Business Banking Accounts
Money & Travel
Business Banking Accounts Built for Better Money Management
Compare two leading U.S. business checking options. Understand their fees, payment features, digital tools, branch access and account requirements before choosing where to manage your company’s money.
Business checking
Payment tools
Expense management
Business account
Active
Available business funds
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Send
Invoice
Deposit
The business problem
Personal Banking Is Not Designed to Run a Business
Mixing company and personal transactions can make bookkeeping, tax preparation, budgeting and cash-flow monitoring more difficult. A dedicated business account provides a clearer financial record and access to tools designed for commercial use.
Separate Finances
Keep company income and expenses separate from personal transactions for clearer financial records.
Send and Receive Payments
Use available ACH, wire, check, invoicing and card-payment tools to manage business transactions.
Control Cash Flow
Monitor balances, upcoming payments and transaction activity from a dedicated business dashboard.
Our featured accounts
Two Different Approaches to Business Banking
Chase offers a traditional banking relationship with physical branches and integrated payment acceptance. Bluevine provides online-first business checking with no monthly fee on its Standard plan and potential interest for eligible customers.
Bank business checking
Chase Business Complete Banking®
A small-business checking account from Chase that combines online and branch banking with invoicing, payment acceptance, cash deposits and fraud-monitoring features.
- Five available ways to waive the $15 monthly service fee
- One waiver option is maintaining a $2,000 minimum daily ending balance
- No minimum deposit is required to open the account
- Online, mobile and physical branch access
- Built-in digital invoicing features
- Card acceptance through Chase QuickAccept℠
- ACH, wire, bill-pay and mobile-deposit options
- Fraud alerts, payment limits and check-monitoring features
Fees, transaction allowances and waiver requirements apply.
Financial technology platform
Bluevine Business Checking
An online business checking platform providing digital payment, invoicing, budgeting and team-access tools. Banking services are provided through Coastal Community Bank, Member FDIC.
- No monthly service fee on the Standard plan
- No Standard-plan minimum balance requirement
- Unlimited transactions and free standard ACH transfers
- Eligible Standard customers can earn 1.3% APY after meeting an activity requirement
- Upgraded plans can offer higher APY with applicable fees and terms
- Digital invoicing, payment links and Tap to Pay features
- Sub-accounts and team debit-card controls
- Domestic and international payment options
Bluevine is a financial technology company, not a bank.
Make your decision
Which Business Account Could Suit You?
Your best option depends on how your business receives money, makes payments, deposits cash and manages its daily finances.
Consider Chase if:
- You want access to physical bank branches
- Your business regularly handles cash deposits
- You want checking and card acceptance from one provider
- You can meet a monthly-fee waiver requirement
- You value access to a broader traditional banking relationship
Consider Bluevine if:
- Your business operates mainly online
- You want no monthly fee on the Standard plan
- You use ACH transfers and digital bill payment frequently
- You want sub-accounts for projects or budgets
- You want the possibility of earning interest on checking balances
Side-by-side comparison
Chase vs Bluevine Business Checking
Use this comparison as a starting point, then review the current account agreement, fee schedule and eligibility requirements before opening an account.
| Feature | Chase Business Complete | Bluevine Business Checking |
|---|---|---|
| Provider type | Traditional bank | Financial technology company with partner-bank services |
| Monthly fee | $15, with several available waiver methods | No monthly fee for the Standard plan |
| Minimum opening deposit | No minimum opening deposit listed | No Standard-plan minimum balance requirement |
| Physical branches | Available in Chase service areas | Online-first; no traditional branch network |
| Cash deposits | Supported through eligible branches and ATMs | More limited than traditional branch banking; check current options and fees |
| Interest on checking | Not presented as an interest-earning account | Available to eligible customers under applicable plan requirements |
| Card acceptance | Chase QuickAccept is integrated with the account | Invoicing, payment links and Tap to Pay are available |
| Budgeting tools | Online account reporting and transaction management | Multiple sub-accounts with automatic transfer rules |
| Best overall fit | Businesses needing branches, cash deposits and traditional banking | Online businesses prioritizing digital tools and lower routine fees |
Before opening an account
How to Compare Business Bank Accounts
Look beyond the headline monthly fee. The right account should fit your normal transactions, payment methods and support needs.
1
Monthly Fees
Check the standard monthly fee, waiver criteria and cost of any upgraded account plan.
2
Transaction Limits
Review allowances and charges for checks, teller activity, ACH transfers and wire payments.
3
Cash Deposits
If your company accepts cash, examine deposit locations, monthly allowances and additional fees.
4
Payment Collection
Compare invoicing, card acceptance, payment links, settlement times and processing charges.
5
Account Access
Decide whether you need branches and bankers or prefer an entirely digital account experience.
6
Deposit Protection
Understand which bank holds the deposits, how FDIC insurance is structured and whether eligibility conditions apply.
Prepare your application
What Might You Need to Open an Account?
Requirements depend on the provider and business structure. Prepare accurate personal, ownership and company information.
Personal Identification
Government-issued identification and personal contact details may be required for account verification.
Tax Identification
Be prepared to provide an SSN, EIN or other applicable taxpayer identification information.
Business Documents
Formation documents, registration information and a DBA certificate may be required.
Ownership Information
Providers may request personal details for business owners, controllers and authorized representatives.
Bluevine Is Not a Bank
Bluevine is a financial technology company. Banking services are provided by Coastal Community Bank, Member FDIC. Bluevine states that eligible deposits can receive expanded FDIC protection through its program-bank structure, subject to applicable conditions.
Protect Your Business Account
Enable multi-factor authentication and transaction alerts. Verify changes to supplier payment details independently, restrict employee permissions and review transactions regularly for unauthorized activity.
Frequently asked questions
Business Banking Questions Answered
Why should I open a separate business bank account?
A separate account can make it easier to track business
income and expenses, prepare financial records, manage
payments and avoid mixing company activity with personal
transactions. It may also be required by your business
structure, agreements or professional advisers.
Which account has no monthly fee?
Bluevine currently lists no monthly fee for its Standard
Business Checking plan. Chase Business Complete Banking
lists a $15 monthly service fee with several available
methods for reducing it to $0. Conditions apply.
Which account is better for cash deposits?
Chase is generally the more suitable choice for businesses
that regularly handle cash because it offers branch and ATM
deposit options. Review current deposit allowances,
locations and fees before opening the account.
Can Bluevine Business Checking earn interest?
Eligible Standard customers can currently earn 1.3% APY
after meeting one of Bluevine’s stated monthly activity
requirements. Higher APYs may be available through paid
plans. Rates, balance limits, fees and requirements can change.
Are deposits with these providers FDIC-insured?
Chase is an FDIC-member bank. Bluevine’s banking services
and deposit accounts are provided through Coastal Community
Bank, Member FDIC, and participating program banks.
Deposit-insurance coverage is subject to applicable rules,
account ownership categories and program conditions.
Can a sole proprietor open a business bank account?
Sole proprietors may be eligible for business checking.
Required documentation can differ from that required for
an LLC or corporation. The provider will determine
eligibility after reviewing the application.
Can I accept customer card payments?
Chase offers card acceptance through Chase QuickAccept.
Bluevine provides eligible payment-acceptance features
including invoicing, payment links and Tap to Pay.
Processing fees, eligibility and settlement terms apply.
Can fees and APYs change?
Yes. Monthly fees, transaction charges, waiver requirements,
annual percentage yields and account features can change.
Review the provider’s current fee schedule, account agreement
and disclosures before opening or using an account.
Compare before applying
Choose an Account That Fits How Your Business Operates
Review current fees, account requirements, deposit protection, transaction limits and payment tools directly with each provider.
Editorial disclosure: BLAK BEIGE provides general educational information to help readers research business banking products. Account features, fees, APYs, eligibility requirements and offers may change.
Important: This content does not constitute financial, banking, accounting, tax or legal advice. Applications are subject to provider approval. Review the current account agreement, fee schedule and official disclosures before applying.
Bluevine is a financial technology company, not a bank. Its banking services are provided by Coastal Community Bank, Member FDIC. Chase Business Complete Banking® is provided by JPMorgan Chase Bank, N.A., Member FDIC. BLAK BEIGE is not a bank or financial institution.
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