Pros
- Interest on checking: 1.3% APY on Standard (with $500 card spend or $2,500 in customer payments a month)
- $0 Standard plan, no minimum balance
- 37,000+ fee-free MoneyPass ATMs
- Up to $3M FDIC coverage
- Same company offers a line of credit up to $250,000
- Accepts owners in 25 countries without an SSN
Cons
- Outgoing domestic wires cost $15 on Standard
- Non-US owners must live in one of 25 listed countries (no Latin American countries listed)
- International owners can’t use lending yet
Bluevine at a glance
| Monthly fee | $0 Standard · $30 Plus · $95 Premier (waivable) |
|---|---|
| Minimum balance | None |
| Interest | 1.3% APY up to $250K on Standard with monthly activity; up to 3.0% on Premier |
| FDIC coverage | Up to $3M via Coastal Community Bank and program banks |
| ATMs & cash | 37,000+ MoneyPass ATMs free; $2.50 out of network |
| Wires | Incoming domestic free; outgoing domestic $15 (Standard) |
| Non-US owners | Residents of 25 supported countries; no SSN required |
Good fit if you are…
- LLCs that keep a cash cushion and want it to earn interest
- Businesses that may need a line of credit later
- Owners in the UK, Canada, Spain and other supported countries
Look elsewhere if you are…
- Frequent wire senders on the free plan
- Owners in Latin America (not on the supported list)
Bluevine alternatives
| Provider | Price | Best for | Link |
|---|---|---|---|
| Mercury | $0/mo | Free wires · non-US founders · startups | Visit Mercury |
| Relay | $0/mo (Grow $30, Scale $120) | Profit First · up to 20 accounts · cash deposits | Visit Relay |
| Novo | $0/mo | Simple free account for US-based owners | Visit Novo |
| Found | $0/mo (Plus $35, Pro $80) | Freelancers · built-in tax tools | Visit Found |
| Lili | $0/mo (Pro $15, Smart $35, Premium $55) | Non-US owners incl. Latin America · savings APY | Visit Lili |
| Wise Business | $31 one-time | Multi-currency · getting paid from abroad | Visit Wise Business |
How to get started with Bluevine
- Get your LLC’s EIN from the IRS.
- Have your Articles of Organization, operating agreement and an ID for each owner ready.
- Apply online on Bluevine’s site and verify the owners.
- Fund the account and connect your payment and accounting tools.
Bluevine vs the alternatives
Bluevine is our pick for interest on checking · credit line ($0/mo (Plus $30, Premier $95)). If that isn’t your priority:
- Mercury — better for free wires · non-us founders · startups ($0/mo). $0 monthly fee, no minimum balance, no opening fees.
- Relay — better for profit first · up to 20 accounts · cash deposits ($0/mo (Grow $30, Scale $120)). $0 Starter plan with no minimum balance.
- Novo — better for simple free account for us-based owners ($0/mo). $0 monthly fee with no minimum balance.
Frequently asked questions
How much does Bluevine cost?
$0/mo (Plus $30, Premier $95). Monthly fee: $0 Standard · $30 Plus · $95 Premier (waivable). Minimum balance: None. Verified October 18, 2026 on Bluevine’s website.
Is Bluevine good for an LLC?
One of the few free business checking accounts that pays interest — 1.3% APY up to $250K if you meet a light monthly activity rule — plus a credit line up to $250,000 once you have 12 months of revenue. Good fit: llcs that keep a cash cushion and want it to earn interest; businesses that may need a line of credit later; owners in the uk, canada, spain and other supported countries.
What are the downsides of Bluevine?
Outgoing domestic wires cost $15 on Standard. Non-US owners must live in one of 25 listed countries (no Latin American countries listed). International owners can’t use lending yet.
Can non-US residents open Bluevine?
Residents of 25 supported countries; no SSN required.
What are the alternatives to Bluevine?
Mercury ($0/mo), Relay ($0/mo (Grow $30, Scale $120)), Novo ($0/mo), Found ($0/mo (Plus $35, Pro $80)), Lili ($0/mo (Pro $15, Smart $35, Premium $55)), Wise Business ($31 one-time).
Is Bluevine safe?
Bluevine isn’t a bank itself; deposits are held at partner banks that are FDIC members. FDIC coverage: Up to $3M via Coastal Community Bank and program banks.
How do I sign up for Bluevine?
1. Get your LLC’s EIN from the IRS. 2. Have your Articles of Organization, operating agreement and an ID for each owner ready. 3. Apply online on Bluevine’s site and verify the owners. 4. Fund the account and connect your payment and accounting tools.
Rates, fees and eligibility change often. Figures come from each provider’s own site on the date shown; confirm before opening an account. Fintechs are not banks — deposits are held at partner banks, Member FDIC. Verified October 18, 2026. We may earn a commission if you sign up through our links, at no cost to you. How we’re funded.
Your LLC setup checklist
- Get a free EINFrom the IRS, in minutes online.
- Open a business bank accountKeep LLC money apart from yours to protect the liability shield.
- Sign an operating agreementSettle who owns and decides what before it matters.
- Get business insuranceCover what the LLC itself doesn’t protect.
- Plan your taxesKnow your tax status and federal due dates.
- Track state deadlinesFree reminders before each filing.
Everything in one list: printable LLC compliance checklist · live deadline calendar.