What is Bluevine Premier?

With Bluevine Premier, you get all the benefits from the standard offering, plus: 

• 4.25% APY on FDIC-insured balances up to $3 million¹
• 50% off most Standard payment fees
• Priority phone customer support²

How much does the Bluevine Premier plan cost? 

Bluevine Premier has a monthly $95 fee that is billed once a month on the same day that you enrolled.³ The monthly fee will be waived if you meet both of the following criteria during your billing period:

• Maintain a minimum $100K average daily balance AND
• Spend $5,000 using your Bluevine Business Debit Mastercard®

When you first sign up for Bluevine Premier, you’ll be offered a one-time, one-month free trial. During your free trial, you’ll receive all the benefits of the Bluevine Premier without paying the $95 fee or needing to complete the fee waiver requirements. Once your free trial ends, you will continue to be enrolled in Bluevine Premier unless you move to the Standard plan following the steps below. 

How do I upgrade to the Bluevine Premier plan?

You can change your plan anytime through your dashboard. Follow these steps: 

1. Sign in to your Bluevine Dashboard⁴
2. Click the Profile icon in the upper right-hand corner
   
3. Select Plan
   • Your current plan details appear here

4. Click View plans
5. Choose Premier
   
   
   • Click Compare to see a side-by-side comparison of the Standard and Premier plan features

6. Click Save changes
7. Click Upgrade plan on the confirmation screen
   • Your premier benefits go into effect immediately, and we’ll send you an email confirmation. If this is your first time enrolling in Premier, you’ll immediately start your 30-day free trial. 

How do I change from the Bluevine Premier plan to the Standard plan?

1. Sign in to your Bluevine Dashboard⁴
2. Click the Profile icon in the upper right-hand corner
3. Select Plan
   
4. Click View plans
   
5. Choose Standard
   • Click Compare to see a side-by-side comparison of the Standard and Premier plan features
   • Note: If you’re changing from Premier to the Standard plan during your billing period, you’ll be subject to the $95 fee at the end of your billing period unless you meet both of the fee waiver requirements. However, if you switch back to the Standard plan during your 30-day free trial, the trial period will end, and the Standard plan benefits will go into effect immediately.
6. Click Save Changes and then Yes, change plan on the confirmation page

How do I see my current plan details?

1. Sign in to your Bluevine Dashboard⁴
2. Click the Profile icon in the upper right-hand corner
3. Select Plan
4. Here, you’ll see what plan you are currently on and the highlights 
   • For Premier customers:
     • Hover over the “Monthly fee” to see if you’ve met the fee waiver requirements for the month
       
     • Your next bill date is viewable here
     • Select Payment Fees to view what payment fees are discounted on the Premier plan

How does earning interest work with Bluevine Premier?

Once you’ve enrolled in Bluevine Premier, you’ll automatically start earning 4.25% APY on your total account balances up to $3,000,000.¹ However, you will only earn 4.25% APY for those days of a calendar month during which you were enrolled in Bluevine Premier. For all other days, you will earn 2.0% APY on balances up to $250,000 only if you meet either of the Standard plan’s eligibility requirements for earning interest. What this means is that you will earn interest at two different rates during any calendar month during which you had two plans.

If you were on two plans during a given calendar month, please keep in mind that meeting the Bluevine Premier’s spending requirement for its fee waiver does not necessarily mean that you met either the Standard plan’s spending requirement for earning interest. As a reminder:

To illustrate how this works, please consider the following example which assumes that you are no longer eligible for the 30-day free trial:

If you are on Bluevine’s Standard plan on January 1, 2024 and enroll in Bluevine Premier on January 20, 2024, your billing period for Bluevine Premier will be January 20, 2024 through February 19, 2024. For the month of January, you will automatically earn interest at a rate of 4.25% APY for the period beginning January 20, 2024 and ending January 31, 2024. However, you would earn interest at a rate of 2.0% APY for the period beginning January 1, 2024 and ending January 19, 2024 only if you met either of the Standard plan’s eligibility requirements for earning interest during the month of January.

If you met the Premier plan’s spending requirement during the month of February, that would not make you eligible to earn interest for those days during which you were on the Standard plan in January. This is because eligibility to earn interest for those days of the month in January during which you were on the Standard Plan would only count spending that occurred during the month of January. What this means is that you would only earn interest for those days in January during which you were enrolled in the Premier plan and would earn no interest for those days in January during which you were on the Standard Plan.

Please note that the same concept applies when moving from the Bluevine Premier plan to the Standard plan.

1 Bluevine Premier customers will earn 4.25% annual percentage yield (“APY”) on total Bluevine Business Checking balances up to $3,000,000. No interest earned on balances over $3,000,000. Any interest accrued and payable for an account or sub-account will be paid to your main account.
2 Bluevine Premier customers will automatically be routed to a priority queue only when they call our support team from the phone number(s) linked to their account.
3 Avoid the $95 monthly fee by doing the following each billing period: 1) maintain an average daily balance of at least $100,000 in your Bluevine Business Checking Account and/or Sub-Account(s) and 2) spend at least $5,000 on your Bluevine Business Debit Mastercard®.
4 Changing and viewing plans is only available on the desktop or mobile browser version of the Bluevine dashboard.