In this article:Eligibility requirementsApplication requirementsAccount application processAdditional guidance
InformationBodyApplying for a Bluevine Business Checking account is fast, easy, and secure. Our online application will walk you through the process of applying for the account, setting it up, and choosing a plan that best fits the needs of your business. For those who need additional guidance, we’ve created this guide to assist you through the application process step-by-step and answer commonly asked questions. Eligibility requirements We offer accounts for both U.S.-based and eligible international business owners.1 To apply, you must: Be at least 18 years oldOwn or represent a U.S.-registered businessMeet identity verification requirements Your business must also meet the following requirements: Eligible business types Eligible for U.S. and international business owners: LLCsCorporationsPartnerships Additional eligible business types for U.S.-based business owners only: Sole proprietorshipsNonprofit organizations Eligible countries U.S.-based business ownersInternational business owners1 residing in supported countries,2 including: Australia, Belgium, Canada, Croatia, Czech Republic, Denmark, Finland, Germany, Hungary, India, Ireland, Israel, Italy, Luxembourg, Netherlands, New Zealand, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom Eligible industries Businesses across most industries and sectors are welcome to apply for a Bluevine Business Checking account.3 However, we can’t accept applications from businesses associated with or doing business in certain restricted industries. See our Deposit Account Agreement for full terms and conditions. Application requirements Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. 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, physical home address, and phone number. For U.S.-based business owners, you’ll be asked to provide your social security number and may be asked to upload images of your driver’s license or passport.For international business owners, you’ll be asked to provide your passport information and upload an image of your passport. 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 business type, industry, and annual revenue. You may be asked to upload a copy of your business registration documentation. Depending on other factors, including the nature of your business, location, business 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 or passport information, home address, and ownership percentage) for each individual with 25% or more ownership in your business. Account application process Step 1. Sign-up and account creation 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. Mobile phone number: Select the applicable country code and enter your mobile phone number. You can use a U.S. or international number that can receive SMS messages.4Create 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. Step 2. Tell us about your business 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: Legal 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. Step 3. Tell us about yourself 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 as it appears on your government-issued ID.Last name: Enter your legal last name as it appears on your government-issued ID.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.Mobile phone number: Provide a valid mobile phone number.4 Depending on your residency, you’ll be asked to provide: U.S. applicants: SSNInternational applicants: Passport information, country of residence, and national ID number (if applicable) 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. Step 4. Verify your mobile number 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. Enter that code here to continue. Upload documentation (if applicable) As an additional step, we may ask you to upload an image of your government-issued photo ID for verification. For U.S.-based applicants, this can be your U.S. driver’s license, state ID, or passport. For international applicants, you’ll need to upload an image of your passport. Add additional owners (if applicable) If you indicated 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 nameHome addressDate of birthSSN or passport informationOwnership percentage If your business does not have any additional owners or controllers, you’ll skip this step. What happens next? 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. Additional guidance Why am I being asked to upload additional documentation? 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 are the types of documentation accepted for identification or business verification: ID documents: U.S.-based business owners: A valid U.S. driver’s license, U.S. state ID, or U.S. passport.International business owners: A valid passport. Business verification documents: The document you used to register your business in your state/county. Sole proprietorship: 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 FormationCorporation: Articles of Incorporation, Certificate of Incorporation, or Certificate of FormationGeneral 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 Why is my application in review? 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. How long does it take to review my application? While most applications are reviewed within minutes, some, including international applications, may 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. Why was my application denied? 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. Can I reapply? 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 reapply at a later date. I need additional help. If you have additional questions or require additional assistance, contact our Support team. 1 Not all features are available to international customers. Limitations apply. See international features for details. 2 Supported countries are subject to change at any time. Additional identity verification, documentation, or onboarding requirements may apply to comply with applicable U.S. laws and regulations. 3 Industry eligibility may vary based on business structure and residency. 4 By providing your mobile phone number, you agree to receive account-related text messages from Bluevine. Message frequency may vary. Message and data rates may apply.TitleLearn how to apply for a Bluevine Business Checking accountURL NameHow-do-I-apply-for-a-Bluevine-Business-Checking-AccountPropertiesPublication StatusPublishedArticle Record TypeHelp Center
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