How do I earn interest?

As a Bluevine Business Checking customer, you can earn 2% interest on the total balance of your account and sub-accounts up to $100,000¹.

How your new interest rate works

You will need to meet at least one of the following monthly eligibility requirements to earn 2% interest:

• Spend $500 per month with your Bluevine Business Debit Mastercard®^{2 3}, which you can use everywhere Mastercard® is accepted.
• Receive at least $2,500.00 per month in customer payments into your Bluevine Business Checking account or sub-accounts, via ACH, wire, mobile check deposit, or directly from your merchant payment processing provider⁴. 
• Please review the Eligibility Requirements section below for further information.

These debit or deposit transactions must post to your account or sub-accounts before the end of the month to qualify toward that month’s eligibility. Activity does not roll over from month to month; eligibility requirements must be met during each month. You will receive the interest payout on the 1st of the following month as long as you’ve met one of the above activity criteria.

Account balances up to and including $100,000 can earn 2% interest; deposits beyond this limit will not earn interest, as outlined within the Account Agreement. The Bluevine Business Checking account has no minimum balance required.

Eligibility Requirements

*Some requirements may not be enforced as of May 1, 2022. Subject to change.

Frequently Asked Questions

How is interest calculated?

For more information on how interest is calculated, visit our page on Interest Earned on Bluevine Business Checking Account.

When is the interest deposited into my account?

After May 1, 2022, if you’ve met at least one of the monthly eligibility requirements to receive the 2% APY interest, we will deposit earned interest on the 1st of the following month. For example, if you had $2500.00 in customer payment deposits for May, then you would receive your interest payout on your Bluevine Business Checking account balance on June 1st. This applies to account balances up to and including $100,000.   Please review the Eligibility Requirements above for further information.

How do I know if I’m close to meeting the monthly qualifications?
You can check your qualification status on your Bluevine Dashboard. Follow these steps:

1. Sign in to your Bluevine Dashboard
2. Navigate to Checking on the left-hand side
3. Hover over Interest rate, underneath your Available Balance
   
   • Additionally, you can view the information by clicking on Account Details underneath your Available Balance.

1 Customers will earn 2% interest on total balances up to and including $100,000 only if they meet the monthly debit transaction or deposit requirements described in section M of the Account Agreement. No interest earned on balances over $100,000. Any interest accrued and payable for an Account or Sub-Account will be paid to your main Account.
2 The Bluevine Business Debit Mastercard® is issued by Coastal Community Bank, Member FDIC pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
3 Debit transactions must post to your account before the end of the month to qualify toward that month’s eligibility requirement.
4 Qualifying transactions only include business deposits such as mobile deposits of customer checks and customer payments transferred via ACH, wire, or from payment processing providers. These transactions must post to your account or Sub-Accounts before the end of the month to qualify toward that month’s eligibility requirement. Transactions that do not qualify include, but are not limited to, cash deposits. Some requirements may not be enforced as of May 1, 2022. Subject to change.