# Small Business Checking Account ## Business checking with 1.3% APY for eligible customers You work hard––your money should, too. Earn 18x the national average interest rate. 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). ## Your bank at your fingertips. ### Bank from anywhere. Manage your finances and easily deposit checks using our mobile app, from the office, at home, or on the go. ### Always-on dashboard. Access your money 24/7 through our streamlined dashboard—no appointment or waiting in line required. ### Get live support. Resolve issues and receive best-in-class support from real people. Talk with us via live chat, email, or phone, Monday to Friday 8 a.m.–6 p.m. ET. ## 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 monthly or overdraft fees, no minimum balance, free standard ACH, and unlimited transactions. Our most active customers save $500/year in fees. ### 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). ### 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). ## 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. - **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. - **Bill pay**: Easily send payments directly from your Bluevine dashboard via same-day ACH, free standard ACH, check, and domestic or international wire. - **Automated accounts payable**: Save time with automated payments and approval workflows, which let you collaborate with your team or accountant. - **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. - **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. - **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. - **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. ## Bank with confidence. ### The expert support you need Get customer support when you need it from real people, ready to help. ### Advanced security features Protect your money and information with two-factor authentication, data encryption, and text alerts. ## See why our customers love Bluevine. And why you will, too. > I searched far and wide to find an effective and simple business banking solution that met my business needs and I found that in Bluevine. Their integrations and no fee structure were selling points for me.” Logan P. LP Creative Media ## Explore helpful guides. Learn how to make the most of your Bluevine account with these in-depth product guides and resources. [Business Checking](https://www.bluevine.com/guides/checking/how-to-apply) **What’s required to apply for a Business Checking account?** Applying for Bluevine Business Checking is fast, easy, and secure—whether you’re a sole proprietorship... [Business Checking](https://www.bluevine.com/guides/checking/earn-high-apy-interest-rate) **How you can earn 1.3% APY** See how you can earn 18x the national average when you meet a monthly activity goal... [Business Checking](https://www.bluevine.com/guides/checking/connecting-financial-apps) **Streamline transactions by connecting financial apps.** With Business Checking from Bluevine, you can connect your account to your favorite business tools... ## Ready to apply for business checking? Submit your application in just a few minutes.