name: Bluevine FinOps
description: Financial operations cost guidance for using Bluevine business banking and lending products
url: https://www.bluevine.com/
created: 2026-06-13
modified: 2026-06-13

bankingCosts:

  monthlyFees:
    - plan: Standard
      fee: 0
      currency: USD
      notes: No monthly fee required; APY requires qualifying activity

    - plan: Plus
      fee: 30
      currency: USD
      notes: Waivable with qualifying activity

    - plan: Premier
      fee: 95
      currency: USD
      notes: Waivable with qualifying activity; offers highest APY at 3.0%

  transactionFees:
    - type: Standard ACH (outbound)
      fee: 0
      currency: USD

    - type: Same-day ACH (outbound)
      fee: varies
      currency: USD
      notes: Fee applies; check current rates at bluevine.com

    - type: Domestic wire transfer
      fee: varies
      currency: USD
      notes: Fee applies; check current rates at bluevine.com

    - type: International wire transfer
      fee: varies
      currency: USD
      notes: Fee applies; check current rates at bluevine.com

    - type: Check payments (bill pay)
      fee: 0
      currency: USD
      notes: Included in all plans

    - type: ATM (in-network)
      fee: 0
      currency: USD

    - type: ATM (out-of-network)
      fee: varies
      currency: USD

  interestEarned:
    - plan: Standard
      apy: 1.3
      maxBalance: 250000
      currency: USD
      requiresQualifyingActivity: true

    - plan: Plus
      apy: 1.75
      maxBalance: 250000
      currency: USD
      requiresQualifyingActivity: false

    - plan: Premier
      apy: 3.0
      maxBalance: unlimited
      currency: USD
      requiresQualifyingActivity: false

lendingCosts:

  lineOfCredit:
    provider: Celtic Bank
    maxAmount: 250000
    currency: USD
    rateType: variable
    notes: Rates vary based on creditworthiness, FICO score, time in business, and payment history
    drawFees:
      - type: ACH draw
        fee: 0
        currency: USD

      - type: Bank wire draw
        fee: 15
        currency: USD

  termLoan:
    maxAmount: 500000
    currency: USD
    provider: Partner lenders
    notes: Rates and terms set by partner lenders; contact Bluevine for details

integrationCosts:
  - name: Plaid
    description: No additional fees from Bluevine for Plaid connectivity; Plaid fees may apply to developers
    url: https://plaid.com/pricing/

  - name: QuickBooks Online Integration
    description: No additional fees from Bluevine; QuickBooks subscription required separately
    url: https://quickbooks.intuit.com/pricing/

  - name: Stripe
    description: Standard Stripe processing fees apply; no additional Bluevine fee
    url: https://stripe.com/pricing

cashBackRewards:
  - name: Mastercard Easy Savings
    rate: 4
    rateUnit: percent
    description: 4% cash back on eligible business purchases via Mastercard Easy Savings program
    notes: Available on all Bluevine Business Checking debit card transactions at participating merchants