Available nationwide, the Bluevine Premier Business Checking account 4.00% APY on balances up to $3 million.
Update 12/2/24: The rate has decreased to 4.00% APY from 4.25%.
Editor’s Note: If you don’t want to pay the monthly fee to earn the highest rate, you can still earn 2.00% APY with the BlueVine Small Business Checking Account with no monthly fee!
Bluevine Bluevine
- Learn More at Bluevine
- Account Type: Bluevine
- Rate Offer: Up to 4.00% APY
- Availability: Nationwide
- Credit Inquiry: Hard Pull or Soft Pull? Let us know
- Credit Funding: Unknown
- Minimum Balance: None
- Maximum Balance: $3M
- Opening Deposit: Any
- Monthly Fee: $95; see below on how to waive
- Early Termination Fee: None listed
(Member FDIC)
| Chase Business Complete Checking® ($300 or $500 Bonus) | U.S. Bank Business Checking ($500 or $900 Bonus) |
| Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
| Bluevine Business Checking ($300 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Axos Business Premium Savings ($375 Bonus) |
Account Rates
| Balance Tiers | % APY |
| Up to $250,000 (Standard Account) | 1.50% |
| Up to $3M (Premier Account) | 4.00% |
How To Waive Monthly Fee
With Bluevine Premier, you get a higher yield business checking account, savings on payments, and more. There are two options:
Standard Account ($0/month)
- No monthly fees and unlimited transactions
- 2.0% APY on balances up to $250,0004
- FDIC insurance up to $3M
- Free standard ACH and incoming wires
Bluevine Premier Account ($95/month or $0/month)
Enjoy everything you get with our standard plan, plus:
- 4.00% APY on balances up to $3M
- 50% off most standard payment fees
- Priority customer support
You can waive the monthly fee for Premier by maintaining an average daily balance of at least $100,000 across your Bluevine Business Checking account and sub-accounts each billing period, and spending at least $5,000 with your Bluevine debit card each billing period.
Bluevine Account Benefits
- Maximize your earnings with market-leading interest on balances up to $3 million.
- Keep funds in one place. Earn more interest without the need to maintain and manage a separate savings or brokerage account.
- Protect your money. Get up to $3 million in FDIC insurance—that’s up to 12x the standard coverage of $250,000.
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Author’s Verdict
If you can maintain the $100K balance to waive the monthly fee, this account offers probably the best rate for a business checking account.
You can also take advantage of a range of great promotions from banks such as HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
Be sure to check back on BankDealGuy for more bank rates!
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