# What sets Bluevine apart? Experience banking that goes far beyond what you get with other financial platforms—with accessible, affordable, and easy-to-use tools built specifically for small businesses. ## Make the most of your hard-earned money. [Save on fees](https://www.bluevine.com/business-checking/no-monthly-bank-fees) and [earn high APY](https://www.bluevine.com/business-checking/interest-rate) so you can put more money back into your business. ### Up to 3.0% APY on checking balances1 ### Earn even higher yields with a Treasury account§ ### No monthly fee for Standard plan ### Free standard ACH and incoming wires2 ### No limit on number of transactions ### Low fees for domestic wires and international payments2 ### Multiple pricing plans to fit your needs ### Free professional invoicing ## Did you know…? Sending payments internationally with traditional banks can come with hidden fees. Bluevine’s fees for global payments are simple and competitive, so you always know what you’re paying upfront. [Learn more](https://www.bluevine.com/business-checking/international-payments/send) ## Streamline your finances ### Automate and simplify financial operations. With all the banking tools you need in one place, you’ll have more time to focus on running your business. ### All the [payment options](https://www.bluevine.com/business-checking/payments) you need for one-time, scheduled, recurring, and bulk payments ### One seamless dashboard for your checking account, bill payments, and line of credit ### Sub-accounts with custom automatic transfer rules ### Set up custom bill approval workflows so payments automatically get routed to the right team members ### Software integrations like QuickBooks Online,3 Xero, and more ### Get paid directly to your Bluevine account with invoicing and payment links, easily managed from your Bluevine dashboard > With Bluevine’s sub-accounts, we have a much better outlook of where our funds are being allocated and what that budget is used for. > Jay P.Wander Africa ## Empower your team ### Banking that scales with you as you grow. Give employees their own debit cards, plus let them [pay business bills](https://www.bluevine.com/business-checking/accounts-payable) to take work off your plate. ### Multiple roles and permissions for additional users and your accountant4 ### Physical and virtual debit cards with spend controls for your team ### Accounts payable automation with custom approval workflows ### Live chat support for authorized users ### Pro tip: Your virtual debit card can be a great expense management tool. Easily separate expenses by using multiple physical and virtual debit cards—plus set spending limits so you stay on budget. ## Access working capital ### Financing to boost your business. Power your business with a [line of credit](https://www.bluevine.com/business-loans/line-of-credit) or [term loan](https://www.bluevine.com/business-loans/term-loan) to drive growth and build momentum. ### Business financing via the Bluevine Line of Credit ### Additional financing options via term loans and SBA loans through our lending partners ### Instant access to line of credit funds through a Bluevine Business Checking account5 ### Opportunity to build business credit history with Experian and qualify for more financing as your business grows ## #1 small business need for 2025: Access to capital Small business owners identified access to capital as their #1 need for 2025. With Bluevine, you can apply for a line of credit without impacting your credit score. (Source: BOSS Report 2024) [Read more](https://www.bluevine.com/blog/business-owner-success-survey) ## Bank with confidence ### Manage your money with peace of mind. Know [your money is safe](https://www.bluevine.com/security), your information is private, and we’re here to support you every step of the way. ### FDIC insurance up to $3 million6 ### Live support from real people ### ACH fraud protection tools ### Two-factor authentication and data encryption to keep your account secure ### Custom notifications and alerts ## Did you know…? With Bluevine Business Checking, you can easily block ACH debits from your main accounts and sub-accounts—or from specific payees—to prevent unwanted transactions. [See how](https://support.bluevine.com/s/article/How-do-I-manage-my-ACH-debit-controls) ## Go all-digital ### Never go to the bank again. All-in-one digital platform so you can do your banking on the go or wherever you do business. ### Full-featured mobile banking tools and app ### Easy [mobile check deposits](https://www.bluevine.com/help-center/business-checking-account/add-funds) with higher monthly limits than the industry average7 ### Virtual debit cards for contactless payments ### Convenient [cash deposits and withdrawals](https://www.bluevine.com/business-checking/cash-networks) at 120,000+ locations nationwide8 ### Accessible customer support via phone, chat, and email > Bluevine is made for people who live on the go. Since switching, we’ve saved countless hours on mobile check deposits. > Grace D.Timberdoodle Co. ## Get more from your business banking. Choose from three different checking account plans, all with benefits built with your business in mind. [Explore business checking](https://www.bluevine.com/business-checking) ## Apply for working capital. We offer flexible funding to fit all your business needs. Cushion cash flow or reinvest in your business with a Bluevine Line of Credit or partner term loan. [Explore business loans](https://www.bluevine.com/business-loans) ## Let’s build your business together. ### Ready to apply? Submit your application in just a few minutes. ### Not sure how to switch banks? We make it simple—learn how with our step-by-step guide.