Bluevine vs Capital One

Bluevine is a free account with interest for basic business checking needs. How does it compare to Capital One? Read our comparison chart below.

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.

While Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

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

	Bluevine	Capital One

	Visit Site	Learn More
	SPECIAL OFFER Free Business Checking - Up to 2.0% APY - Learn More Read Bluevine Review	SPECIAL OFFER Personal Savings Account - $1,500 Bonus - Learn More Read Capital One Review
	Benefits and Features
Savings	No savings account, but you add 5 free sub accounts	4.25% APY
CD		3.90% to 5.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.80%
Checking	4.25% APY for Premier customers, 3.0% APY for Plus customers, 2.0% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard	0.10% APY
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)
APY	4.25% APY on balances up to $3M for Premier customers; 3.0% APY on balances up to $250,000 for Plus customers; 2.0% APY on balances up to $250,000 for Standard tier customers that meet monthly eligibility requirements
Minimum Deposit to Open	$0
ACH Transfer Fee	$0
ATMs	38,000+ MoneyPass ATMs	Over 70,000 no-fee Capital One & Allpoint 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	Phone and email: Monday - Friday. 8 am to 8 pm EST	Mon-Sun: 8am - 11pm (ET)
Incoming Wire Transfer Fee	$0
Locations	Online only	273 branches
Out of Network ATM Fee	$2.50
Outgoing Wire Transfer Fee	$15 ($12 for Plus; $7.50 for Premier)
Overdraft Fee	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Savings
Money Market
Pros & Cons	Pros: High interest rate $0 monthly fee 2 free checkbooks Cons: Fees to deposit cash No physical branches	Pros: Overdraft protection options No account minimums 27 cafes for in-person support Cons: Lower savings APY compared to other online banks
Bottom Line	Free account with interest for basic business checking needs... Read full review	Good online bank with access to in-person support... Read full review
	Visit Site	Learn More
	Free Business Checking - Up to 2.0% APY Premier Business Checking - Up to 4.25% APY Plus Business Checking - Up to 3.0% APY	Personal Savings Account - $1,500 Bonus Personal Savings Account - $750 Bonus Personal Savings Account - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One: Pricing information from published website as of 04/13/2024.

Free Business Checking - Up to 2.0% APY

Get Deal

2.0% 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

Free Business Checking - Up to 2.0% APY

Get Deal

2.0% 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

Premier Business Checking - Up to 4.25% APY

Get Deal

4.25% APY on balances up to $3,000,000
$0 minimum opening deposit
50% off most Standard payment fees
Priority customer support
Waive the $95 monthly service fee with $100k average daily balance and $5k debit card spend

Banking services provided by Coastal Community Bank, Member FDIC

Which is Better: Bluevine or Capital One?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Bluevine or Chase.

In short: Capital One's customer service is worth mentioning.

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