Bluevine vs HSBC Bank

Bluevine is a free account with interest for basic business checking needs. How does it compare to HSBC? 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 HSBC is a large multi-national bank that focuses on banking and wealth management services for international high net worth clients. With a global presence in over 64 countries, clients will access privileges around the world.

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

		Member FDIC
	Visit Site	Visit Site
	Bluevine	HSBC Bank
	SPECIAL OFFER Free Business Checking - Earn $500 Bonus - Learn More Read Bluevine Review	SPECIAL OFFER HSBC Premier - Earn Up to $7,000 - Learn More Read HSBC Review
	Benefits and Features
Savings	No savings account, but you add 5 free sub accounts	Premier Relationship Savings: 3.30% APY when you link an eligible Premier checking account and meet one of four eligibility criteria (otherwise 0.05% APY)
CD		3.15% to 3.50% APY. Terms of 6 months, 1 year, or 2 years. 12-month CD APY of 3.35%. Minimum deposit of $1,000 to open.
Checking	3.00% APY for Premier customers, 1.75% APY for Plus customers, 1.30% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard	Premier Checking to enjoy premium banking with both local and global benefits
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	3.00% APY on balances up to $3M for Premier customers; 1.75% APY on balances up to $250,000 for Plus customers; 1.30% 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	approximately 40,000 MoneyPass ATMs	Any HSBC ATMs in the U.S.; HSBC ATMs abroad may incur additional fees and foreign conversion rates.
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
Incoming Wire Transfer Fee	$0
Locations	Online only	21 branches in the US; Global presence in more than 64 countries and territories worldwide
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
Pros & Cons	Pros: High interest rate $0 monthly fee Free checkbook Cons: Fees to deposit cash No physical branches
Bottom Line	Free account with interest for basic business checking needs... Read full review	Read full review
	Visit Site	Visit Site
	Free Business Checking - Earn $500 Bonus Free Business Checking - Up to 1.3% APY Premier Business Checking - 3.00% APY	HSBC Premier - Earn Up to $7,000
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. HSBC: Data points including rates, fees, terms, and benefits was obtained on 01/08/2026 from published websites and is believed to be accurate, but not guaranteed.

Free Business Checking - Earn $500 Bonus

Get Deal

Expires 3/31/2026

To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 03/31/2026 using the referral code CD500.

After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:

• 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 on eligible transactions 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 1.3% APY

Get Deal

• 1.3% 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 1.3% APY

Get Deal

• 1.3% 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

Which is Better: Bluevine or HSBC?

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.

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.

• Bluevine vs Novo

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.

Which Do You Think is Best?