To open a Bluevine Business Checking account, you must be a business owner, at least 18 years old, and have a physical U.S. address (not a P.O. box or mail service address). Your business must also meet the following requirements:

• Eligible entities: Businesses of all sizes and entity types, including sole proprietorships, partnerships, limited liability companies (LLCs), corporations, and nonprofit organizations, can apply for a Bluevine Business Checking account.
• Eligible geographies: At this time, Bluevine Business Checking is available to businesses in the United States only—we don’t accept applications from businesses in U.S. territories or other countries.
• Eligible industries: Businesses across most industries and sectors are welcome to apply for a Bluevine Business Checking account; however, we don’t accept applications from businesses associated with or doing business in certain restricted industries.

See our Deposit Account Agreement for full terms and conditions.

When applying, you’ll be asked to provide information to verify your identity and your business, as well as any other individuals associated with your business, if applicable. At a minimum, this will include:

• Personal information: You’ll be asked to provide information about yourself, including your full name, date of birth, social security number, physical home address, and phone number.
• Business information: We’ll ask you for information about your business, including your business’s name, address, and EIN or tax ID (or SSN for sole proprietorships), as well as entity type, industry, and annual revenue.

Depending on other factors, including the nature of your business, entity type, industry, and ownership structure, we may ask for additional information or documentation to verify eligibility.

Bluevine safeguards your personal and business data per GLBA and CCPA standards. Learn how we protect your data in our Privacy Policy.

Requirements for additional owners

If your business has additional owners, you’ll be asked to provide identifying information (including full name, date of birth, SSN, home address, and ownership percentage) for each individual with 25% or more ownership in your business.

First, we’ll collect the following basic information to create a secure Bluevine login and begin your application:

• Entity type: From the drop-down list, select your state-specified business entity type, which may differ from the one provided by the IRS.
• First & last name: Provide your first and last name.
• Email address: Provide the email address you will use to sign into the account and receive important communications regarding the status of your application. If you make a mistake, you can edit your email during the email verification step.
• Mobile phone number: Provide your mobile phone number. Must be a U.S. phone number able to receive SMS text messages. We can’t accept call forwarding service numbers.
• Create password: Enter a secure password that you will use to sign into your Bluevine account.
• Referral code (optional): Enter a referral code here if you have one.

Already have a Bluevine account? Sign in here to skip this step.

Next, we’ll ask you about your business. The information you’ll provide in this step will depend on the entity type you selected at signup. At minimum, we’ll ask you for the following:

• Business name: Enter this information exactly how it appears on your business registration documentation, if applicable.
• Business address: Enter a physical address for your business. If your business does not have a physical location, you can enter your home address here instead. We can’t accept P.O. box or mail service addresses.
• Work phone number: Enter the primary phone number associated with your business, if you have one.
• Website: If you have a website for your business, enter it here.
• Annual revenue: Provide your business’s annual revenue.
• Industry and sub-industry: From the drop-down lists, select the industry and sub-industry options most relevant to your business.
• Tax ID or EIN: Enter this information exactly how it appears on your business documentation or tax forms.

You may be asked to upload business registration documentation, such as your Articles of Organization or Trade Name Certificate, at a later step if we need additional information to verify your business.

Refer to this guide for a full breakdown of what information and documentation we require based on your business entity type.

Then, we’ll ask you to provide information about yourself and any additional owners (if applicable). This information will be used to confirm your identity and verify business ownership, so enter these details exactly as they appear on any relevant legal documents.

During this step, you’ll be asked to provide the following information:

• First name: Enter your legal first name.
• Last name: Enter your legal last name.
• Home address: Enter your home address, including the apartment or suite number, if applicable. This must be a physical address; we can’t accept P.O. box or mail service addresses.
• Date of birth: Enter your full date of birth.
• SSN: Enter your social security number exactly as it appears on your social security card. If we are unable to verify this information, you’ll be asked to re-enter it.
• Mobile phone number: Provide your mobile phone number. Must be a U.S. phone number able to receive SMS text messages. We can’t accept call forwarding service numbers.¹

You’ll also be asked to confirm your ownership percentage of the business and if there are any additional individuals with significant control or owners who own more than 25% of your business. We’ll ask you for their information later on, if applicable.

^{1 By providing your mobile number, you agree to receive verification texts (message & data rates may apply).}

Finally, we’ll ask you to verify your mobile phone number. We’ll send a verification code to the mobile number you provided in the previous step. Input that number here to continue.

As an additional step, if you indicate your business has additional owners, we’ll ask you to provide their details here. We’ll need the following information for each individual who owns at least 25% of the business (or, for nonprofits, anyone with substantial control over the business):

• Full legal name
• Home address
• Date of birth
• SSN
• Ownership percentage

If your business does not have any additional owners/controllers, you’ll skip this step.

After you provide the required information and verify your mobile number, we’ll review your application and let you know if we need more information. You may be asked to upload additional documentation, like identification or business verification documents before we’re able to process your application.

Once we have everything we need to process your application, you’ll receive an email to activate your Bluevine Business Checking account. Click the link provided in the email, and you’ll be guided through setting up your new account, including choosing a plan, ordering debit cards, and connecting external bank accounts.

Bluevine complies with federal Know Your Customer (KYC) regulations and the Customer Identification Program (CIP). We verify all applicants, including additional owners with 25% or more interest, at account opening. During the application process, if we are unable to verify certain details you provided, you may be asked to upload documentation for yourself, your business, or your additional owners.

If you’re asked to upload documentation, you’ll be provided with instructions for doing so. For additional help, follow the tips and guidelines provided below:

Tips for uploading photos/documentation

• Take photos in a well-lit area and make sure all four corners of the document are visible. For best results, use a plain, dark background, such as a table or desk, and disable all photo filters and other image modifications.
• Double-check photos before submitting to make sure all images and text are clearly visible and not blurry.
• Images must contain the original document. We can’t accept screenshots, scanned photocopies, or photos of the document on a screen.
• Ensure all submitted documentation is current and valid. We can’t accept documentation where the expiration or valid-through dates have lapsed, or documents that have been voided, modified, or damaged.
• Ensure the information you’ve provided in your application matches the details provided on your legal documents and that you are uploading an acceptable document type in the correct format (as outlined below).

Acceptable documentation

All uploaded documentation must be photo images of the original document in .jpg, .jpeg, or .png format. Below outlines the types of documentation accepted for identification or business verification:

• ID documents: A valid US driver’s license, state ID, or US passport.
• Business verification documents: The document you used to register your business in your state/county.
  • Sole proprietorships: Doing Business As, Assumed, Fictitious, or Trade Name Certificate (document title may vary by state)
  • LLC: Articles of Organization, Certificate of Organization, or Certificate of Formation
  • Corporation: Articles of Incorporation, Certificate of Incorporation, or Certificate of Formation
  • General or limited partnership: Signed Partnership Agreement that outlines your partnership’s management structure, as well as the names, signatures, rights, duties, ownership interests, and profit shares of the partners

Sometimes, we may need additional time to review an application. During this review, we may ask you for more information to verify the details you provided. Make sure you check your email often for instructions or updates.

While most applications are reviewed within minutes, some require additional processing time. If you are notified that your application is in review, you should hear back from us within 1-3 business days. While your application is in review, we’ll reach out if we need additional information from you to process your application.

A lot of factors go into our review of Bluevine Business Checking account applications, and there are various reasons we might not approve an application. We may be unable to open an account for you due to your location or industry restrictions, or we may have been unable to verify information on your application. View our Deposit Account Agreement for more details, or contact our Support team with additional questions.

If your application for a Bluevine Business Checking account has been denied, please double-check that you and your business meet our eligibility requirements (including industry restrictions) and review our Deposit Account Agreement. In most cases, you are welcome to re-apply at a later date.

If you have additional questions or require additional assistance, contact our Support team.