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 600 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	Citibank
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Free Business Checking - Earn $300 Bonus - Learn More Read Bluevine Review	OFFER Citi Checking - $1,500 Bonus Read Citibank Review
	Benefits and Features
Savings	No savings account, but you add 5 free sub accounts	Citi® 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. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD		6-Month Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 1-Year Fixed Rate CD - 0.10% APY 3-Month Fixed Rate CD - 0.05% APY
Checking	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
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
ATMs	approximately 40,000 MoneyPass ATMs	More than 65,000 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 Service	Phone and email: Monday - Friday. 8 am to 8 pm EST	24/7 Live Customer Service (Telephone)
Incoming Wire Transfer Fee	$0
IRA CD
IRA Money Market
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

Checking
Fees
Mobile App
Customer Service
Savings
CD
Pros & Cons	Pros: 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 Line	Free account with interest for basic business checking needs... Read full review	Large national bank best for high balance customers... Read full review
	Visit Site	Learn More
	Free Business Checking - Earn $300 Bonus Free Business Checking - Up to 1.5% APY Premier Business Checking - Up to 3.7% APY
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 05/07/2025. 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.

Free Business Checking - Earn $300 Bonus

Get Deal

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

Free Business Checking - Up to 1.5% APY

Get Deal

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

Free Business Checking - Up to 1.5% APY

Get Deal

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: 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 Novo.

In short: Bluevine's checking is worth mentioning.

Articles on Bluevine

Bluevine Business Checking Review

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Is Bluevine Safe

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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.