Bluevine vs Payment Depot

Bluevine is a free account with interest for basic business checking needs. How does it compare to Payment Depot? 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 Payment Depot offers membership pricing plans based on business volume. It starts at $79/mo, plus Interchange + 8¢ per transaction for swipe, and Interchange + 18¢ for online transactions. There is no contract.

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

	Bluevine	Payment Depot

	Visit Site	Visit Site
	SPECIAL OFFER Free Business Checking - Up to 2.0% APY - Learn More Read Bluevine Review	SPECIAL OFFER Save 40% or More - Learn More Read Payment Depot Review
	Benefits and Features
Savings	No savings account, but you add 5 free sub accounts
Checking	4.25% APY for Premier customers, 2.0% 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 Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend)	Start at $79/month (Process up to $250,000/yr) Custom quote (Process more than $250,000/yr)
Equipment		POS (EMV, Magstripe, NFC, Contactless, Smart Terminals), Mobile Payment Processing, Online Payment Processing
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	Phone, Email, Ticket Center, Social Media Platforms (Facebook, Twitter, LinkedIn)
Fraud Prevention Tools
Invoice Management		Integration needed
Recurring Billing		Integration needed
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Price
Equipment
Contract
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: High interest rate $0 monthly fee 2 free checkbooks Cons: Fees to deposit cash No physical branches	Pros: Affordable membership pricing Cancel anytime Cons: Not ideal for small businesses Equipment return fee
Bottom Line	Free account with interest for basic business checking needs... Read full review	Cheap merchant account provider for high-volume businesses... Read full review
	Visit Site	Visit Site
	Free Business Checking - Up to 2.0% APY Premier Business Checking - Up to 4.25% APY	Save 40% or More Save Over $400 Per Month on Average First Month Free
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Free Business Checking - Up to 2.0% APY

Get Deal

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

Free Business Checking - Up to 2.0% APY

Get Deal

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

Premier Business Checking - Up to 4.25% APY

Get Deal

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

Save 40% or More

Wholesale Rates
Membership Fee Model
No Cancellation Fees

Save Over $400 Per Month on Average

Learn More

No hidden fees
No surprises
No cancellation fees

First Month Free

Wholesale Rates
Membership Fee Model
No Cancellation Fees

Which is Better: Bluevine or Payment Depot?

In short: Payment Depot's customer service is notable.

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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.