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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 and have a minimum deposit of $2,500. 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
 Visit SiteVisit Site
 

Bluevine

Discover Bank

SPECIAL OFFER
Business Checking - Up to 2.0% APY - 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
3.00% APY
CD 1.50% to 4.25% APY. Terms of 3 months to 10 years. $2,500 minimum
CheckingUp to 2.0% APY. No monthly fees; no balance requirements; no overdraft feesCashback Debit Account: 1% cash back on up to $3,000 in debit card purchases each month. See website for details
Money Market 2.90% APY under $100,000; 2.95% APY $100,000 or more. $2,500 minimum deposit.
APY2.0% APY on balances up to $100,000 for customers that meet monthly eligibility requirements 
Customer ServicePhone and email: Monday - Friday. 8 am to 8 pm EST
24/7
Minimum Deposit to Open
$0
 
ACH Transfer Fee
$0
 
ATMs
37,000+ MoneyPass ATMs
Over 60,000 no-fee ATMs
Balance Requirement
None
 
Cash Deposit Fee
$4.95
 
Incoming Wire Transfer Fee
$0
 
IRA CD 12-month CD APY of 4.00%. 24-month CD APY of 4.10%. 5-year CD APY of 4.25%.
Locations
Online only
Online Only
Out of Network ATM Fee
$2.50
 
Outgoing Wire Transfer Fee
$15
 
Overdraft Fee
$0
 
Monthly Fee
$0
 
 

CreditDonkey® Reviews

 BluevineDiscover Bank
CheckingStarStarStarStarHalf StarStarStarStarStarEmpty Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarStar
Mobile AppStarStarEmpty StarEmpty StarEmpty StarStarStarStarStarStar
FeesStarStarStarStarStar
SavingsStarStarStarStarHalf Star
Money MarketStarStarStarStarHalf Star
Pros & ConsPros:
  • High interest rate
  • $0 monthly fee
  • 2 free checkbooks
Cons:
  • Fees to deposit cash
  • No physical branches
Pros:
  • High yield
  • No fees
  • 24/7 customer service
Cons:
  • No interest checking
  • $2,500 minimum deposit for CDs
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 11/10/2022

Bluevine

Business Checking - Up to 2.0% APY

  • 2.0% APY on your balance up to $100,000 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

Open a Free Business Checking Account

  • 2.0% APY on your balance up to $100,000 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

Business Checking - Up to 2.0% APY

  • 2.0% APY on balances up to $100,000 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
Discover Bank
Member FDIC

Discover Online Savings - $200 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code CY922 when applying. 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. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 12/15/2022
Discover Bank
Member FDIC

Discover Online Savings - $150 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code CY922 when applying. 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. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 12/15/2022
Discover Bank
Member FDIC

Online Savings Account - Earn 3.00% 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 Chase.

In short: Discover Bank's customer service and mobile app are 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 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

Discover Bank online savings account offers a high interest rates and no monthly fees. But is it the right place for your money? Read on to find out, plus the best way to open an account.

Discover CD Review

Discover Bank's CD account offers high rates and no hidden fees. But is the term worth it? Read this review before you open a CD.

Is Discover a Real Bank

Discover Bank promises great rates and no fees. But is it actually a good and safe bank? Find out if it is a real and legit bank.

Is Discover Savings Worth It

Looking for a better place to keep your money safe? Find out if a Discover Online Savings Account is worth it for you.

Discover Savings Bonus

You could earn $150 or $200 when you open a Discover Online Savings Account. Find out how to qualify for this Discover Bank promotion.

Which Do You Think is Best?





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