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
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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
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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
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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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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
May use AI-assist with repliesRead more
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
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
Zack followed up via email after his…
Zack followed up via email after his phone call. He was informative and helpful for future questions if needed.
April 29, 2026
Reply from Bluevine
Hi Sarah,
Thank you for sharing your experience. We’re glad to hear Zack’s follow-up and communication were helpful and provided clarity for any future questions you may have.
Staying proactive and making sure you feel supported is important to us, and it’s great to know that came through in your interaction. We’ll be sure to pass your feedback along to Zack.
If you ever need anything, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Reply from Bluevine
Hi Pascal,
Thank you for the great feedback—we appreciate you taking the time to share it. It means a lot to hear that you view Bluevine so highly.
We’re focused on making business banking simple and reliable, and it’s encouraging to know that’s been your experience.
If you ever need support, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Formally Dissapointe
I am writing to formally express my extreme dissatisfaction with the recent service I received regarding a check deposit. I have been a loyal customer for nearly five years, since the inception of my company, but the lack of support from your documentation review staff has led me to begin the process of terminating my relationship with Bluevine.
I recently attempted to deposit a client's check, which was rejected because the staff only recognized my DBA and not the business's legal name. This rejection of hard-earned funds is unacceptable. Furthermore, no solutions or alternatives were offered to ensure I could pay my employees while this issue was being resolved.
It is disheartening that a bank claiming to support small businesses would provide such a poor experience.
April 28, 2026
Unprompted review
Reply from Bluevine
Hi TJ,
Thank you for taking the time to share your experience. We understand how frustrating it must have been to have a check deposit declined, especially when you were counting on those funds to support your business operations and team.
Situations involving business name verification—such as differences between a DBA and the legal business name—can sometimes require additional review to ensure deposits are processed securely and in accordance with banking requirements. That said, we recognize how important it is to provide clear guidance and timely support when issues like this arise.
We’d like the opportunity to take a closer look at what happened and help work toward a resolution. Please reach out to our team through our secure contact form here: https://www.bluevine.com/contact-us
so we can review your situation and discuss possible next steps.
If we’re able to help resolve this for you, we’d appreciate it if you’d consider updating your review to reflect your experience.
– The Bluevine Team
Lack of Support from Documentation Processors
I have been a customer of Bluevine since the inception of my company almost 5 years ago.
I am incredibly disheartened to be writing such a scathing review, but I will be working on terminating my relationship with them due to the lack of support received by the documentation review staff. HORRIBLE.
Trying to deposit a client's check, they refused it due to the business's sir name not being recognized and only recognizing the DBA. Rejected money I've worked hard to receive.
THEY ARE NOT FOR SMALL BUSINESSES!!!
They did not offer solutions for me to be able to pay my employees until the issue was resolved.
April 28, 2026
Unprompted review
Reply from Bluevine
Hi there,
Thank you for being a Bluevine customer for nearly five years — that means a lot to us, and we're sorry to hear this experience has been so frustrating.
Check deposits can sometimes require additional review to verify the payee information matches the account on file — this is something we take seriously to protect our customers. We'd love the opportunity to look into this further and work toward a resolution. Please reach out to us directly at support@bluevine.com with your account details and our team will be happy to help.
The Bluevine Team
Reply from Bluevine
Hi Lovely,
Thank you for taking the time to share your feedback. We’re glad to hear that Michael Chung was helpful and informative during your experience.
Providing clear and supportive guidance is something we prioritize, and we’ll be sure to pass your kind words along to Michael.
If you ever need anything in the future, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Michael is great
Michael is great. He was very thorough and showed me everything I needed to know about my Bluevine business checking account. He deserves some type of promotion or pay raise.🦾
April 28, 2026
Reply from Bluevine
Hi Oscar,
Thank you for taking the time to share your experience. We’re glad to hear that Michael was thorough and made sure you felt confident using your Bluevine business checking account.
We appreciate you calling out his support—we’ll be sure to pass your feedback along to him and the team.
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
Wow, Great Service
Wow, Dana was amazing. I have never had a bank that I felt actually cared about me and my business thriving. He made sure that I was comfortable with the plan I chose, knowledgeable about the services offered, and capable of navigating and using the app and funds before I had the account open for 24 hours. I will recommend them without hesitation.
April 28, 2026
Reply from Bluevine
Hi Amy,
Thank you for taking the time to share such a detailed review. We’re glad to hear that Dana made such a strong impression and helped you feel confident so quickly with your new account.
It’s especially meaningful to know you felt supported not just in getting set up, but in understanding how to navigate the app and make the most of your account right away. That’s exactly the kind of experience we aim to provide. We’ll be sure to pass your feedback along to Dana.
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
Michael was extremely helpful and all…
Michael was extremely helpful and all of the features will be great to get my business off the ground.
April 28, 2026
Reply from Bluevine
Hi Logan,
Thank you for sharing your experience. We’re glad to hear that Michael was extremely helpful and that the features are setting you up to get your business off the ground.
Supporting business owners early in their journey is especially important to us, and it’s great to know you’re feeling confident with what Bluevine offers. We’ll be sure to pass your feedback along to Michael.
If you ever need anything as you continue building your business, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Reply from Bluevine
Hi Ashley,
Thank you for taking the time to share your feedback. We’re glad to hear that Michael was helpful and informative during your experience.
Providing clear and supportive guidance is something we prioritize, and we’ll be sure to pass your kind words along to Michael.
If you ever need anything in the future, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Introduction phone call
Introduction phone call
It was a great call because I learn some things about the account. You guys are partners only with Stripe and no other merchant accounts. Plus I can accept Venmo and Cash App but not Zelle.
The staff was very knowledge about the product.
April 28, 2026
Reply from Bluevine
Hi Charles,
Thank you for taking the time to share your experience. We’re glad to hear your introduction call was helpful and that you were able to learn more about your account and how it works.
It’s great to know our team provided clear and knowledgeable guidance—helping you understand the features and integrations available is an important part of getting started with confidence.
If you have any additional questions as you continue using your account, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Reply from Bluevine
Hi Rebekah,
Thank you for taking the time to share your feedback. We’re glad to hear you received a quick and helpful response—that’s exactly the level of support we aim to provide.
If you ever need anything else, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
The representative helped me properly…
The representative helped me properly with the problem that I had
April 28, 2026
Reply from Bluevine
Hi John,
Thank you for taking the time to share your experience. We’re glad to hear that our representative was able to properly help resolve the issue you were facing.
Providing clear and effective support is a priority for us, and it’s great to know that came through in your interaction.
If you ever need anything else, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Great experience setting up my business account
I’ve had a fantastic experience with Bluevine while setting up the banking infrastructure for my investment business. The standout features for me are the ability to create sub-accounts and the seamless integration with 3rd party apps.
April 16, 2026
Reply from Bluevine
Hi D’ron,
Thank you for taking the time to share such a thoughtful review. We’re glad to hear your experience setting up your business account has been a strong one, especially as you build out the banking infrastructure for your investment business.
It’s great to know features like sub-accounts and integrations with third-party apps are helping support your workflow—that’s exactly what they’re designed for.
If you ever need support as your business grows, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Shawna Tonner was great help throughout…
Shawna Tonner was great help throughout the process. Thank you so much!!!
April 27, 2026
Reply from Bluevine
Hi Jeffrey,
Thank you for taking the time to share your experience. We’re glad to hear that Shawna Tonner was a great help throughout your process.
Providing consistent, helpful support is a priority for us, and we’ll be sure to pass your kind words along to Shawna.
If you ever need anything in the future, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
Reply from Bluevine
Hi Brandy,
Thank you for sharing your feedback. We’re glad to hear you’ve had a great experience so far and that our team has been helpful along the way.
Providing a smooth and supportive experience is important to us, and it’s great to know that’s been reflected in your time with Bluevine.
If you ever need anything moving forward, you can always reach us here: https://www.bluevine.com/contact-us
– The Bluevine Team
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