# All-in-one business checking See everything you can do with Bluevine Business Checking, the account designed specifically for business owners. Better Business Bureau A+ rating! Rated 4.7 out of 5 stars Excellent\| [10,472 reviews](https://www.trustpilot.com/review/bluevine.com) ## Save and earn Get more for your money with the business checking account that maximizes your earnings and minimizes fees. ### No monthly fees Save with no monthly or overdraft fees, plus no minimum balances and unlimited transactions. [Save on fees ›](https://www.bluevine.com/business-checking/no-monthly-bank-fees) ### High APY on checking deposits Earn 1.3% annual percentage yield on balances up to $250,000 if you meet a monthly activity goal. Or, [choose an upgraded plan](https://www.bluevine.com/business-checking/plans-and-pricing) to get up to 3.0% APY, plus discounted standard payment fees and more. [Start earning ›](https://www.bluevine.com/business-checking/interest-rate) ### Free standard ACH Move money and pay bills for free with unlimited incoming and outgoing standard ACH transfers. ### Free checkbooks Get one free checkbook with our [Standard plan](https://www.bluevine.com/business-checking), two free checkbooks per year with [Plus](https://www.bluevine.com/business-checking/plus), or three free checkbooks per year with [Premier](https://www.bluevine.com/business-checking/premier). ### No-fee cash withdrawals Withdraw cash at 37,000+ no-fee ATMs in the MoneyPass network. [Find ATMs near you ›](https://www.bluevine.com/business-checking/cash-networks) ## Pay and get paid Sending and receiving money is easier than ever with Bluevine. ### All the payment options you need Send payments via standard ACH for free, pay bills faster with wire and same-day ACH, and send money abroad with [international payments](https://www.bluevine.com/business-checking/international-payments/send). Plus transfer funds between two Bluevine accounts instantly for free with Bluevine Pay. [Pay your way ›](https://www.bluevine.com/business-checking/payments) ### No limits on incoming payments Receive unlimited ACH and domestic wires with a single routing number—and no fees from us. Plus, [receive international wires](https://www.bluevine.com/business-checking/international-payments/receive) in USD for a simple, flat fee. ### Mobile check deposit with higher limits Skip a trip to the bank and easily deposit checks from your phone, with higher monthly limits than the industry average. ### Business debit cards for you and your team Issue debit cards to trusted employees with daily or monthly spending limits and controls, track spend across users, and spend instantly and securely with virtual debit cards. Plus, earn up to 4% cash back on business expenses through Mastercard Easy Savings. [Issue debit cards ›](https://www.bluevine.com/business-checking/debit-card) ### Multiple ways to deposit cash Deposit cash with your Bluevine debit card at 91,500+ Green Dot and Allpoint+ locations nationwide. [Deposit cash ›](https://www.bluevine.com/business-checking/cash-networks) ## Streamline money management Save time with automation and collaboration features designed to make managing your finances easier. ### Sub-accounts Add up to five sub-accounts with dedicated account numbers for better budgeting and control, or add up to 20 sub-accounts with an upgraded plan. [Budget with sub-accounts ›](https://www.bluevine.com/business-checking/sub-accounts) ### Automatic transfer rules Easily set up automatic transfer rules for your main account and sub-accounts to maintain balances. [Save time with automatic transfer rules ›](https://www.bluevine.com/blog/save-time-with-automatic-transfer-rules) ### Accounts payable (AP) automation Save time managing and scheduling your invoice payments with our automated AP tools. [Automate your AP ›](https://www.bluevine.com/business-checking/accounts-payable) ### Convenient business software integrations Connect to the business tools you use, like QuickBooks Online, to automatically sync transactions and more. ## Manage your account Everything you expect from a business checking account and more. ### Live support from real people, ready to help Get best-in-class live customer support via phone, email, and chat during business hours. [Browse our resources ›](https://www.bluevine.com/resources) ### Centralized banking dashboard and mobile app Manage your deposit balances for all your accounts right from your Bluevine dashboard. ### Shared account access for your team and accountant Give team members secure, individual logins with multiple permission options. Plus, add your accountant without sharing your password. ### Single sign-on (SSO) for multiple businesses Open additional Bluevine Business Checking accounts for other businesses you own, then easily sign in and manage them all from one login. ## Protect your business Enjoy peace of mind knowing your money is safe and your information protected. ### FDIC insurance up to $3 million Your deposits are protected with up to $3 million in FDIC insurance through Coastal Community Bank. [Protect your deposits ›](https://www.bluevine.com/business-checking/fdic-protection) ### Two-factor authentication We use two-factor authentication so only you and authorized users can access your account and funds. ### Custom notifications Get email notifications based on criteria you set, such as when you have a low balance or card transactions exceed a certain amount. ### Check fraud protection Send written checks with confidence knowing you can put a stop payment on any specific check or checks from your dashboard. ### ACH fraud protection Prevent unauthorized transactions by blocking ACH debits from your main account and sub-accounts. ### Selective account access Limit additional users' access to specific accounts and sub-accounts for enhanced security.