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Axos Bank vs Bluevine

Axos Bank is a full-service online bank with excellent cashback and interest checking. How does it compare to Bluevine? Read our comparison chart below.

Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

While Bluevine offers one of the highest APYs on the market for its Business Checking account. You also get 5 free subaccounts, unlimited transactions, 2 free checkbooks a year, and additional users at no extra cost. There's no monthly fee.

Compare Axos Bank with Bluevine, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Axos Bank
Member FDIC
Bluevine
 Learn MoreVisit Site
 

Axos Bank

Bluevine

SPECIAL OFFER
Rewards Checking - Up to 3.30% APY - Learn More

Read Axos Bank Review

SPECIAL OFFER
Free Business Checking - Earn $300 Bonus - Learn More

Read Bluevine Review

 

Benefits and Features

Savings0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)No savings account, but you add 5 free sub accounts
CD0.20% APY. Terms of 3 months to 5 years. $1,000 minimum 
CheckingRewards Checking: Up to 3.30% APY
Cashback Checking: Up to 1% cashback
3.7% APY for Premier customers, 2.7% APY for Plus customers, 1.5% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard
Monthly Fee Standard tier: $0 per month
Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend)
Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend)
Money Market
0.25% APY
 
APY 3.7% APY on balances up to $3M for Premier customers; 2.7% APY on balances up to $250,000 for Plus customers; 1.5% APY on balances up to $250,000 for Standard tier customers that meet monthly eligibility requirements
Minimum Deposit to Open 
$0
Mobile App
iOS & Android
 
ACH Transfer Fee 
$0
ATMsapproximately 91,000 partner ATMsapproximately 40,000 MoneyPass ATMs
Balance Requirement 
None
Cash Deposit Fee $4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs
Customer Service
24/7
Phone and email: Monday - Friday. 8 am to 8 pm EST
Incoming Wire Transfer Fee 
$0
Locations
Online only
Online only
Out of Network ATM Fee 
$2.50
Outgoing Wire Transfer Fee $15 ($12 for Plus; $7.50 for Premier)
Overdraft Fee 
$0
 

CreditDonkey® Reviews

 Axos BankBluevine
SavingsStarStarStarStarHalf Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarStarStarStarStarStarHalf Star
Money MarketStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
ATMsStarStarStarStarHalf Star
LocationsStarStarEmpty StarEmpty StarEmpty Star
FeesStarStarStarStarStar
Customer ServiceStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • Checking with rewards
  • No monthly fee
  • Domestic ATM rebates
Cons:
  • Low CD rates
  • No physical branches
Pros:
  • High interest rate
  • $0 monthly fee
  • 2 free checkbooks
Cons:
  • Fees to deposit cash
  • No physical branches
Bottom LineFull-service online bank with excellent cashback and interest checking... Read full reviewFree account with interest for basic business checking needs... Read full review
 Learn MoreVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Axos Bank: Pricing information from published website as of 09/27/2024.

Axos Bank
Member FDIC

Rewards Checking - Up to 3.30% APY

  • Build your own APY with up to 3.30% APY*
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • No initial deposit requirement
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit
Axos Bank
Member FDIC

Axos ONE - Earn up to 4.66% APY

  • Earn up to 4.66% APY* on savings, and 0.51% APY* on checking when you meet requirements.
  • Get your money up to 2 days early.
  • No monthly maintenance, minimum balance, account opening, or overdraft fees.
Axos Bank
Member FDIC

Basic Business Checking - Up to $400 Bonus

Expires 9/30/2025
  • Business owners get up to $400 welcome bonus!* Open a business checking account by September 30 and get up to $400 when you use promo code NEW400 on your application.*
  • No initial deposit requirement
  • No minimum balance requirement
  • No monthly maintenance fees
  • Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
  • Unlimited domestic ATM fee reimbursements
  • Unlimited item processing (debits, credits, and deposited items)
  • Cash deposits via MoneyPass and AllPoint networks
Bluevine

Free Business Checking - Earn $300 Bonus

Expires 6/30/2025

To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 06/30/2025 using the referral code CD300.

After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:

  • Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
  • Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
  • Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®

Banking services provided by Coastal Community Bank, Member FDIC

Bluevine

Free Business Checking - Up to 1.5% APY

  • 1.5% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC
Bluevine

Free Business Checking - Up to 1.5% APY

  • 1.5% APY on balances up to $250,000 for eligible customers
  • Unlimited transactions
  • 5 free subaccounts with unique account numbers
  • 2 free checkbooks per year
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

Which is Better: Axos Bank or Bluevine?

Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Axos Bank or Bank of America.


Articles on Axos Bank

Axos Bank Review

Axos Bank offers full-service banking completely online with no fees. Find out below whether they can replace your traditional bank account.

Axos Business Checking

Looking for affordable banking for your small business? Axos Bank offers a free business checking account or an interest-bearing account. Read on.

Articles on Bluevine

Bluevine Business Checking Review

Bluevine offers free business checking with a high interest rate. But what's the catch? Is it right for your business? Read on for the full review.

Is Bluevine Safe and Legit

Bluevine provides banking products for small business owners in the digital age. But is it safe and legit? Read on to find out.

Bluevine Alternatives

Bluevine offers a high APY and no monthly fees. But it has limitations. Find out if one of these business checking alternatives is better for you instead.

Which Do You Think is Best?





Which Bank Account is Right for You?


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About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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