Bluevine vs Bank of America

Bluevine is a free account with interest for basic business checking needs. How does it compare to Bank of America? Read our comparison chart below.

Bluevine offers one of the highest APYs on the market for its Business Checking account. You also get 5 free subaccounts, unlimited transactions, 2 free checkbooks a year, and additional users at no extra cost. There's no monthly fee.

While Bank of America is one of the largest banks in the U.S. with approximately 3,700 locations and 15,000 ATMs. It is known for good customer service with extended hours. It offers checking, savings, CDs, IRA, and investment accounts through Merrill Edge.

Compare Bluevine with Bank of America, side-by-side. Read on for an in-depth look, including ratings and reviews.

	Bluevine	Bank of America
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Free Business Checking - Up to 1.3% APY - Learn More Read Bluevine Review	OFFER Bank of America Advantage Banking - Up to $500 Cash Offer Read Bank of America Review
	Benefits and Features
Savings	No savings account, but you add 5 free sub accounts	Bank of America Advantage Savings Standard Rate: 0.04% APY
CD		7-Month CD - 3.75% APY 10-Month CD - 2.95% APY 13-Month CD - 2.00% APY 25-Month CD - 1.75% APY 37-Month CD - 0.11% APY 1-Month CD - 0.03% APY 120-Month CD - 0.03% APY
Checking	3.00% APY for Premier customers, 1.75% APY for Plus customers, 1.30% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard
Monthly Fee	Standard tier: $0 per month Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend) Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend)
APY	3.00% APY on balances up to $3M for Premier customers; 1.75% APY on balances up to $250,000 for Plus customers; 1.30% APY on balances up to $250,000 for Standard tier customers that meet monthly eligibility requirements
Minimum Deposit to Open	$0
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	approximately 40,000 MoneyPass ATMs	Approximately 15,000+ ATMs
Balance Requirement	None
Cash Deposit Fee	$4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs
Customer Service	Phone and email: Monday - Friday. 8 am to 8 pm EST	Monday -Friday: 8AM - 9PM ET Saturday: 9AM - 6PM ET Sunday: 8AM - 5PM ET
Incoming Wire Transfer Fee	$0
IRA CD
Locations	Online only	3,700 financial centers
Out of Network ATM Fee	$2.50
Outgoing Wire Transfer Fee	$15 ($12 for Plus; $7.50 for Premier)
Overdraft Fee	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Pros & Cons	Pros: High interest rate $0 monthly fee Free checkbook Cons: Fees to deposit cash No physical branches
Bottom Line	Free account with interest for basic business checking needs... Read full review	Read full review
	Visit Site	Learn More
	Free Business Checking - Up to 1.3% APY Premier Business Checking - 3.00% APY Plus Business Checking - 1.75% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Bank of America: Pricing information from published website as of 09/17/2026 based on 91107 zip code.

Free Business Checking - Up to 1.3% APY

Get Deal

1.3% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
$0 minimum opening deposit
$0 monthly service fee

Banking services provided by Coastal Community Bank, Member FDIC

Free Business Checking - Up to 1.3% APY

Get Deal

1.3% APY on balances up to $250,000 for eligible customers
Unlimited transactions
Free unlimited invoicing and payment links
5 free subaccounts with unique account numbers
1 free checkbook for the life of the account
$0 monthly service fee

Banking services provided by Coastal Community Bank, Member FDIC

Premier Business Checking - 3.00% APY

Get Deal

3.00% APY on balances up to $3,000,000
$0 minimum opening deposit
50% off most Standard payment fees
Priority customer support
Waive the $95 monthly service fee with $100k average daily balance and $5k debit card spend

Banking services provided by Coastal Community Bank, Member FDIC

Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Learn More

Expires 1/31/2027

The up to $500 cash offer must be opened through the Bank of America promotional page.
The offer is for new checking customers only.
Offer expires 01/31/2027.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days of account opening.

Cash Bonus Total Direct Deposits

$100 $2,000

$300 $5,000

$500 $10,000+
After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid.
Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC

Cash Bonus	Total Direct Deposits
$100	$2,000
$300	$5,000
$500	$10,000+

Which is Better: Bluevine or Bank of America?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Bluevine or Novo.

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Bluevine Business Checking Review

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Bluevine Alternatives

Bluevine offers a high APY and no monthly fees. But it has limitations. Find out if one of these business checking alternatives is better for you instead.