# Small Business Checking Account ## Business checking built for you. Empower your small business with up to 3.0% APY,1 FDIC protection up to $3 million,2 and no monthly fees.3 Better Business Bureau A+ rating! Rated 4.7 out of 5 stars Excellent | [10,472 reviews](https://www.trustpilot.com/review/bluevine.com) Bluevine is a financial technology company, not a bank. Bluevine deposits are **FDIC-insured** through Coastal Community Bank, Member FDIC, and our [program banks](https://support.bluevine.com/s/article/What-banks-does-Bluevine-partner-with-in-the-sweep-network). ## A business checking account that gets you more for your money. Save on fees, protect your money, and earn high-yield interest on your checking balances—no need to move cash around. ### Save with no monthly fees. Enjoy no monthly3 or overdraft fees, no minimum balance, free standard ACH, and unlimited transactions.4 Our most active customers save $500/year in fees.5 ### Earn high interest on checking. Get 1.3% APY with our Standard plan if you meet a monthly activity goal. Or, earn up to 3.0% APY with an [upgraded plan](https://www.bluevine.com/business-checking/plans-and-pricing).1 Plus, get even more out of your money with [Treasury services](https://www.bluevine.com/business-checking/treasury).§ ### FDIC insurance up to $3M. [Your account is FDIC-insured](https://www.bluevine.com/business-checking/fdic-protection) up to $3 million per depositor through Coastal Community Bank, Member FDIC and our [program banks](https://support.bluevine.com/s/article/What-banks-does-Bluevine-partner-with-in-the-sweep-network).2 Sign up for our Plus or Premier checking plans to get up to 3.0% APY and discounts on most Standard payment fees. [Compare plans](https://www.bluevine.com/business-checking/plans-and-pricing) ## Run your business from anywhere. Never step foot in a bank again with easy-to-use digital banking tools. - ## Accept customer payments Get paid directly into your Bluevine account with easy, professional estimates and invoicing, secure payment links, and in-person Tap to Pay. [Explore accepting payments](https://www.bluevine.com/accept-payments) - ## Mobile banking and check deposit Skip a trip to the bank and easily deposit checks from your phone when you’re at home, in the office, or on the go. [Explore mobile deposits](https://www.bluevine.com/help-center/business-checking-account/add-funds) - ## Bill pay Easily send payments directly from your Bluevine dashboard via same-day ACH, free standard ACH, check, and domestic or international wire.6 [Explore bill pay](https://www.bluevine.com/business-checking/payments) - ## Automated accounts payable Save time with automated payments and approval workflows, which let you collaborate with your team or accountant. [Explore accounts payable](https://www.bluevine.com/business-checking/accounts-payable) - ## Account access for your team Securely share access with your team or accountant by giving each a dedicated login for a smooth online banking experience.7 [Explore account access](https://www.bluevine.com/help-center/business-checking-account/fund-and-activate) - ## Sub-accounts for easier budgeting Organize your money your way by adding multiple sub-accounts with automatic transfer rules. Issue debit cards for each sub-account with spend limits to manage projects and control team spend. [Explore sub-accounts](https://www.bluevine.com/business-checking/sub-accounts) - ## Debit cards for you and your team Issue physical and virtual debit cards with daily and monthly spending limits to trusted employees, and earn 4% cash back on business purchases through Mastercard Easy Savings®.8 [Explore debit card](https://www.bluevine.com/business-checking/debit-card) - ## ACH fraud protection Block ACH debits on the account or payee level. Plus and Premier customers can preauthorize payees to debit blocked accounts. Premier customers can set debit thresholds and review outgoing transactions. [Explore ACH debit controls](https://support.bluevine.com/s/article/How-do-I-manage-my-ACH-debit-controls) [Explore all features and benefits](https://www.bluevine.com/business-checking/features) ## Ready to apply for business checking? [Open account](https://app.bluevine.com/signup/checking?signup_parent_url=https%3A%2F%2Fwww.bluevine.com%2Flp%2Fbusiness-checking-06) Submit your application in just a few minutes.9 **Bluevine is a financial technology company, not a bank.** Banking services provided by Coastal Community Bank, Member FDIC.