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 $ ••••••
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.

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Separate Finances

Keep company income and expenses separate from personal transactions for clearer financial records.

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Send and Receive Payments

Use available ACH, wire, check, invoicing and card-payment tools to manage business transactions.

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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.

Online-first choice
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.

Standard monthly fee $0
Best suited to Digital businesses
  • 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
Review Bluevine Account Details

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.

01

Personal Identification

Government-issued identification and personal contact details may be required for account verification.

02

Tax Identification

Be prepared to provide an SSN, EIN or other applicable taxpayer identification information.

03

Business Documents

Formation documents, registration information and a DBA certificate may be required.

04

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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