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Bluevine vs Discover Bank

Bluevine is a free account with interest for basic business checking needs. How does it compare to Discover Bank? 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 Discover Bank offers some of the highest interest rates on the market. CDs go up to 10-year terms. There are no service fees.

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

 BluevineDiscover Bank
Member FDIC
 Visit SiteVisit Site
 

Bluevine

Discover Bank

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

Read Bluevine Review

SPECIAL OFFER
Discover® Online Savings - $200 Cash Bonus - Learn More

Read Discover Bank Review

 

Benefits and Features

SavingsNo savings account, but you add 5 free sub accounts
3.50% APY
CD 2.00% to 4.00% APY depending on terms
Checking3.7% 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 StandardCashback Debit Account: 1% cash back on up to $3,000 in debit card purchases each month. See website for details
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 3.40% APY under $100,000; 3.45% APY $100,000 or more.
APY3.7% 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 40,000 MoneyPass ATMs
Over 60,000 no-fee 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 ServicePhone and email: Monday - Friday. 8 am to 8 pm EST
24/7
Incoming Wire Transfer Fee
$0
 
IRA CD 9-month CD APY of 4.00%. 12-month CD APY of 4.00%. 18-month CD APY of 3.80%. 24-month CD APY of 3.80%. 5-year CD APY of 3.50%.
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

 BluevineDiscover Bank
CheckingStarStarStarStarHalf StarStarStarStarStarEmpty Star
FeesStarStarStarStarStar
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarStar
SavingsStarStarStarStarHalf Star
Money MarketStarStarStarStarHalf Star
Pros & ConsPros:
  • High interest rate
  • $0 monthly fee
  • Free checkbook
Cons:
  • Fees to deposit cash
  • No physical branches
Pros:
  • High yield
  • No fees
  • 24/7 customer service
Cons:
  • No interest checking
Bottom LineFree account with interest for basic business checking needs... Read full reviewSolid online bank with high APY rates and good customer service... Read full review
 Visit SiteVisit Site

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

Discover Bank: Pricing information and data points from published website as of 06/26/2025.

Bluevine

Free Business Checking - Earn $300 Bonus

Expires 12/31/2025

To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 12/31/2025 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
  • Free unlimited invoicing and payment links
  • 5 free subaccounts with unique account numbers
  • 1 free checkbook for the life of the account
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.

Expires 9/11/2025
Discover Bank
Member FDIC

Discover® Online Savings - $150 Cash Bonus

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.

Expires 9/11/2025
Discover Bank
Member FDIC

Online Savings Account - Earn 3.50% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required

Which is Better: Bluevine or Discover Bank?

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: Discover Bank's customer service is outstanding.


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 Discover Bank

Discover Bank Review

Discover® Bank offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account.

Discover Online Savings Account Review

Make your money work with Discover® Bank high yield savings: high interest, no fees. Find out its benefits, drawbacks, and the easy way to open an account.

Discover CD

Maximize returns with Discover® Bank lucrative CD rates - no hidden fees. Read this detailed review.

Discover Bank Bonus

Want to get cash bonuses on a Discover® Bank Online Savings Account? Read on to learn about the promotions currently available.

Discover Checking Account Bonus

Discover® Bank doesn't currently offer a direct bonus for new checking accounts. Instead, it's got other incentives to lure you in.

Discover Savings Bonus

Earn up to $200 bonus by opening a Discover® Online Savings Account. Find out how to qualify with the correct bonus.

Discover Bank Locations

Wondering if there is a Discover® Bank near you? Read this article to find out.

Discover Checking Account Fees

Does Discover® Cashback Debit have any fees? Find out if they are completely fee-free.

Who Owns Discover

You've probably heard of Discover credit cards, but what exactly is Discover® Bank? Is it a legitimate bank? Read on for all the details.

Discover Checking Account Minimum Balance

Discover® Cashback Debit doesn't have a minimum balance. But what's the catch? Read on for all the details.

Discover Checking Account Requirements

Discover® checking account offers no monthly fees and a rewarding cashback program. Here's what you need to open an account today.

Discover Money Market vs Savings

Discover® Bank boasts solid rates for both their money market and savings accounts. Find out which one is more suited for you.

Is Discover a Real Bank

Looking for a safe bank with great rates? This analysis of Discover® Bank reveals all - is it legit? Find out now.

Is Discover Savings Worth It

Is your money secure in a high-yield Discover® savings account? Get your answers now.

Which Do You Think is Best?





Which Bank Account is Right for You?


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About CreditDonkey
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