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Bluevine vs Citibank

Bluevine is a free account with interest for basic business checking needs. How does it compare to Citibank? 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 Citibank has over 700 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

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

 Bluevine
Member FDIC
 Visit SiteLearn More
 

Bluevine

Citibank

SPECIAL OFFER
Free Business Checking - Up to 2.0% APY - Learn More

Read Bluevine Review

OFFER
Checking with Enhanced Direct Deposit - $300 Cash Bonus

Read Citibank Review

 

Benefits and Features

SavingsNo savings account, but you add 5 free sub accounts
  • CitiĀ® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.
  • CitiĀ® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD 
Check
Checking4.25% 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
Check
Monthly FeeStandard 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 
Check
APY4.25% 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
More than 70,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
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 ServicePhone and email: Monday - Friday. 8 am to 8 pm EST24/7 Live Customer Service (Telephone)
Incoming Wire Transfer Fee
$0
 
IRA CD 
Check
IRA Money Market 
Check
Locations
Online only
645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
Out of Network ATM Fee
$2.50
 
Outgoing Wire Transfer Fee$15 ($12 for Plus; $7.50 for Premier) 
Overdraft Fee
$0
 
 

CreditDonkey® Reviews

 Bluevine
CheckingStarStarStarStarHalf StarStarStarStarEmpty StarEmpty Star
FeesStarStarStarStarStar
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
SavingsStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • High interest rate
  • $0 monthly fee
  • 2 free checkbooks
Cons:
  • Fees to deposit cash
  • No physical branches
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineFree account with interest for basic business checking needs... Read full reviewLarge national bank best for high balance customers... Read full review
 Visit SiteLearn More

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

    Citibank: Pricing information from published website as of 04/26/2024. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

    Bluevine

    Free Business Checking - Up to 2.0% APY

    • 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
    Bluevine

    Free Business Checking - Up to 2.0% APY

    • 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
    Bluevine

    Premier Business Checking - Up to 4.25% APY

    • 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 Citibank?

    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: Bluevine's checking is worth mentioning.


    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

    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.

    Articles on Citibank

    Citibank

    Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

    Open Citi Account

    Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

    Citi Savings Account Interest Rate

    Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

    Citibank High Yield Savings

    Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

    Citibank Routing Number

    Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

    Which Do You Think is Best?





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