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.⁴
• 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:

• 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.

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: SSN
• International 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.

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.

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.

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 name
• Home address
• Date of birth
• SSN or passport information
• Ownership percentage

If your business does not have any additional owners or 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 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 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, 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.

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 reapply at a later date.

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