Dana Kramer my dedicated on-boarding account rep. He is genuinely helpful and ensures that any questions get answered and provides meaningful tips. He is a real person and not AI which I value more th... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I love me some Bluevine! This fintech bank is the best for all of your business needs. It's the new way of banking without all of the restrictions of a traditional bank; such as low daily limits a... See more
Company replied
Michael Chung, was most helpful in setting up my account. He took the time with no pressure to show the benefits of being with BLUEVINE and all the features.... Offered very valuable account se... See more
Company replied
The representative i spoke with was professional, personable, & patient. She made what I needed easy and I appreciate that. I called 1.5 months ago for the same thing and it wasn't handled well and... See more
Company replied
Company details
- #103 of 252 best companies in Non-Bank Financial Service
- #42 of 107 best companies in Financial Institution
About Bluevine
Written by the company
Bluevine is the largest small business banking platform in the U.S.,* built to serve as the financial operating system for startups and small businesses. Founded in 2013, Bluevine helps companies manage their money through a single online account—allowing them to earn more, save more, borrow, and pay bills without ever stepping into a branch.
What does Bluevine offer?
Bluevine brings together the core tools small businesses need to manage their money. Do it all from one platform:
- Earn high-yield APY on business checking**
- Organize funds and separate expenses with sub-accounts
- Manage accounts payable and send domestic or international payments with built-in bill pay tools
- Accept and manage sales effortlessly with invoicing and payments, Tap to Pay, and more
- Issue up to 50 business debit cards for your main account and sub-accounts
- Access working capital through business loans and lines of credit***
How is Bluevine different from traditional banks?
Unlike traditional banks, Bluevine operates fully online and is built specifically for small businesses. Banking, payments, and credit tools are accessible through one dashboard, helping business owners save time and manage cash flow more efficiently.
Who is Bluevine for?
Bluevine is designed for small businesses, startups, and entrepreneurs looking for a modern alternative to traditional business banks—especially those who value easy online setup, flexibility, and integrated financial tools. Customers can learn more on our FAQ page.
Is Bluevine trusted?
- 900,000+ customers served since 2013*
- $16B+ in loans delivered to help businesses grow
- $1.8B+ in managed customer deposits
Bluevine is backed by leading private and institutional investors, including Lightspeed Venture Partners, Menlo Ventures, 83North, Citi Ventures, ION Crossover Partners, SVB Capital, Nationwide Insurance, and M12 (Microsoft’s venture arm).
To learn more about Bluevine’s business checking, loans, and payment tools, visit bluevine.com.
Bluevine is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC. The Bluevine Line of Credit is issued by Celtic Bank. Other commercial credit products are offered by a variety of Bluevine’s third-party partners.
*As compared to publicly available data on the number of lifetime customer accounts held by other U.S. banking platforms dedicated to small businesses that offer both checking and lending services, as of January 2026. Customer and lending statistics include Paycheck Protection Program.
**Premier and Plus plan customers automatically earn annual percentage yield (“APY”) on their available balances. Standard plan customers will earn interest on their available balances if they meet an eligibility requirement as detailed in the Terms of Interest Accrual incorporated into the Bluevine Business Checking Account Agreement.
***Applications are subject to credit approval. Rates, credit lines, and terms may vary based on your creditworthiness and are subject to change. Additional fees apply.
****Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. $3,000,000 in FDIC insurance is offered by multiplying the standard $250,000 FDIC coverage across multiple banks. For complete details, please visit bluevine.com/business-checking/fdic-protection.
All your business banking in one place
Written by the company
- Simplify your business banking
- Get paid, manage cash flow, send payments, and access working capital all from one easy-to-use platform, so you don’t need to juggle multiple tools.
- Make the most of your money
- Earn higher APY on business checking, plus pay no monthly fee for our Standard plan.**
- Bank with confidence
- Get up to $3 million in FDIC insurance, custom spend limits and alerts, and a suite of fraud controls to help keep your money safe.****
Contact info
30 Montgomery Street, 07302, Jersey City, United States
- (888) 216-9619
- support@bluevine.com
- bluevine.com
Largest SMB banking platform in the US*
4.7
Excellent
11K reviews
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Ben was decent to talk to.
May 1, 2026
Reply from Bluevine
Hi Michael,
We're glad Ben was helpful! If there's anything we can do to make your experience even better, don't hesitate to reach out.
The Bluevine Team
Excellent Service
April 30, 2026
Reply from Bluevine
Hi Oluwasanmi,
Thank you! Excellent service is what we strive for every day. We're glad it came through for you!
The Bluevine Team
Reply from Bluevine
Hi Donald,
We'll pass your thanks straight to Mike! Helpful, supportive, and informative is exactly who we want in your corner. We appreciate you sharing!
The Bluevine Team
Reply from Bluevine
Hi Davis,
Thank you for the kind words! We're glad to have you with us.
The Bluevine Team
Very informative and easy to talk to
April 30, 2026
Reply from Bluevine
Hi Ruben,
Informative and easy to talk to — that's the combination we always aim for. Thank you for sharing!
The Bluevine Team
Reply from Bluevine
Hi Arnessa,
Thank you! Great customer service is something we work hard at every day. We're glad it showed!
The Bluevine Team
Simple and fast sign up
Simple and fast sign up. Helpful call later in the day to tell me about integrations that work exactly as you'd want. Most tech forward bank I've ever had!
April 30, 2026
Reply from Bluevine
Hi Brian,
Most tech forward bank you've ever had — we'll take that!
Simple signup, a proactive call about integrations, and technology that actually works the way you'd expect. We put a lot of thought into all of it and we're glad it's coming through. Welcome to Bluevine!
The Bluevine Team
My rep Michael Chung Help me set up…
My rep Michael Chung Help me set up extra perks with my Bluevine account like reoccurring invoices which is a big game changer for business. but also helped with all the concerns i had regarding my stripe account as before reopening my blue vine i had made my stripe on the personal side and not my business so he helped me solved that 10/10
April 30, 2026
Reply from Bluevine
Hi Kieran,
A 10/10 and recurring invoices set up and a Stripe issue sorted all in one call — Michael delivered!
Knowing which features can make a real difference for your business and helping you get them working is exactly the kind of support we want every customer to experience. We'll make sure he sees this. Thank you for sharing!
The Bluevine Team
Customer with a business line of credit
We have a business line of credit with them and when we want to use it it may fund, the next time it is placed on hold so they can do a soft credit pull. This is not how a line of credit works. You get approved for amount and should have access to it as needed with no drama. We have been a customer for years and never an issue with payments, but they are very inconsistent on how they operate. This is not helpful for a small business. As I was speaking with my account rep she apparently did not like my tone and I was hung up on. I was very aggravated obviously. If you are business that needs a reliable line of equity run to a competitor. I can't even get an explanation that makes sense from them on the way the handle the line.
April 29, 2026
Unprompted review
Reply from Bluevine
Hi Michael,
Thank you for taking the time to share your experience. We understand how frustrating it can be to expect consistent access to your line of credit and instead encounter unexpected holds and additional reviews—especially when you’ve been a long-time customer with a strong payment history.
We also hear your concerns about the interaction with your account representative. That’s not the experience we aim to provide, and your feedback on both the process and communication is important.
We see that you’ve already been in contact with our team, and we appreciate you working with us directly. If anything still feels unresolved or unclear—particularly around how draw reviews and soft credit checks work—we’d like to continue that conversation and make sure you have a clear, consistent understanding moving forward. You can reach us anytime through our secure support channels here: https://www.bluevine.com/contact-us
If we’re able to address your concerns and improve your experience, we’d appreciate it if you’d consider updating your review to reflect that.
– The Bluevine Team
Reply from Bluevine
Hi there,
Thank you for the kind words — we're glad to hear it! We appreciate you taking the time to share.
The Bluevine Team
Lauren was very helpful and patient…
Lauren was very helpful and patient with all my questions. She was very pleasant to work with and customer service was amazing!
April 30, 2026
Reply from Bluevine
Hi Kevin,
Lauren will be so glad to hear this — thank you!
Helpful, patient, and a pleasure to work with. That's exactly the kind of experience we want every customer to have. We'll make sure she sees your kind words!
The Bluevine Team
Excellent customer service
April 30, 2026
Reply from Bluevine
Hi Martell,
Thank you for taking the time to share your feedback. We’re glad to hear you had an excellent customer service experience.
Providing reliable and helpful support is a core priority for us, and it’s great to know that came through.
If you ever need anything, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Very helpful and responsive.
April 29, 2026
Reply from Bluevine
Hi Dustin,
Thank you for taking the time to share your feedback. We’re glad to hear you found our team helpful and responsive.
Providing timely and effective support is important to us, and it’s great to know that was your experience.
If you ever need anything in the future, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Very good interaction with Michael
Very good interaction with Michael. Nice personality.
He made the onboarding process look super easy.
April 29, 2026
Reply from Bluevine
Hi Polster,
Thank you for taking the time to share your experience. We’re glad to hear Michael made such a positive impression and helped make the onboarding process feel easy and straightforward.
Creating a smooth and approachable experience is important to us, and we’ll be sure to pass your kind feedback along to Michael.
If you ever need anything as you continue with Bluevine, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Great onboarding, Bluevine is the best for Business Checking
Great onboarding! Thank you Michael Chung!
April 29, 2026
Reply from Bluevine
Hi Denice,
Thank you for taking the time to share your experience. We’re glad to hear your onboarding went smoothly and that Michael Chung made a great impression.
We’ll be sure to pass your kind words along to him—it means a lot to our team to hear this kind of feedback.
If you ever need anything as you continue using Bluevine, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
One of the Worst Business Banking Experiences We Have Ever Had - They Will Not Protect Your Business In Clear Fraud Against Your Account
Unfortunately, many of these reviews are fake. What is worse, Bluevine points to this site of the fake reviews of to say, "They are a good Fin Tech".
For small businesses everywhere, trust this: This review is real and they are awful. Trust your hard earned money anywhere else but Bluevine.
Our story:
One of the Worst Business Banking Experiences We Have Ever Had
Our experience with Bluevine after a fraudulent wire transfer has been unacceptable.
As a small business, we trusted Bluevine with our operating funds, and when we needed them most, their response felt slow, dismissive, and completely inadequate. Thousands of dollars were fraudulently transferred, and instead of receiving clear urgency, transparency, and accountability, we have had to chase Bluevine for answers, timelines, documentation, and basic communication.
What makes this worse is that we reported the suspicious activity quickly after receiving notice that a new payee had been added and a wire transfer occurred. In a situation involving fraud, every minute matters.
Yet Bluevine’s process has felt like delay after delay, with little meaningful explanation and no real sense that protecting the business customer is the priority. Their handling of this matter has created additional stress, wasted business time, and complicated our insurance claim process.
Small business owners should think very carefully before relying on Bluevine as their primary business banking platform.
Fraud response is not a minor customer service issue — it is a core banking responsibility. Based on our experience, Bluevine failed to provide the level of protection, urgency, communication, and accountability that any business owner should expect from a financial institution.
I would not recommend Bluevine to any small business owner who needs dependable fraud protection or responsive support when something serious happens.
When fraud hit our account, we felt like we were left to fight for ourselves. This has been a deeply disappointing and costly experience. Stay far AWAY from "Bluevine".
April 9, 2026
Unprompted review
I have had a wonderful experience so…
I have had a wonderful experience so far, and William made it so easy and smooth.
April 29, 2026
Reply from Bluevine
Hi Ashmao,
We're so glad to hear it! William will be happy to know he made the experience smooth and easy. Welcome to Bluevine!
The Bluevine Team
she was very patient and knowledgeable
April 29, 2026
Reply from Bluevine
Hi Ariella,
Thank you for taking the time to share your experience. We’re glad to hear that you had a positive interaction and that our team member was patient and knowledgeable throughout the process.
Providing clear and supportive service is important to us, and it’s great to know that came through in your experience.
If you ever need anything in the future, you can always reach us here: https://www.bluevine.com/contact-us
Proactive Outreach
William from Bluevine reached out because they noticed that my Stripe account was tied to an old bank account, a closed one in fact. I was so grateful for the proactive outreach - it meant i got my money sooner.
April 22, 2026
Reply from Bluevine
Hi Lara,
Thank you for sharing your experience. We’re glad to hear that William’s proactive outreach helped catch the issue with your old bank account and ensured you received your funds sooner.
Taking that extra step to look out for our customers is something we strive for, and it’s great to know it made a meaningful difference for you. We’ll be sure to pass your feedback along to William.
If you ever need support in the future, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Easy to set up my new business account
Easy to set up my new business account! I was sent emails and messages to make sure everything went smoothly. Thanks for you help!
April 29, 2026
Reply from Bluevine
Hi Alexandria,
Thank you for taking the time to share your experience. We’re glad to hear your business account setup was smooth and that our team’s emails and messages helped along the way.
Providing clear communication and support during onboarding is a priority for us, and it’s great to know that made a difference for you.
If you ever need anything as you continue with Bluevine, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
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