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 - Earn $300 Bonus - Learn More Read Bluevine Review	SPECIAL OFFER Save Over $400 Per Month on Average - Learn More Read Payment Depot Review
	Benefits and Features
Savings	No savings account, but you add 5 free sub accounts
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)	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 Free checkbook 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 - Earn $300 Bonus Free Business Checking - Up to 1.5% APY Premier Business Checking - Up to 3.7% APY	Save Over $400 Per Month on Average First Month Free Save 40% or More
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Free Business Checking - Earn $300 Bonus

Get Deal

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

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
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

Save Over $400 Per Month on Average

Learn More

📞 1-866-676-0771

No hidden fees
No surprises
No cancellation fees

First Month Free

📞 1-866-676-0771

Wholesale Rates
Membership Fee Model
No Cancellation Fees

Save 40% or More

📞 1-866-676-0771

Wholesale Rates
Membership Fee Model
No Cancellation Fees

Which is Better: Bluevine or Payment Depot?

Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Bluevine or Novo.

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

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 Legit

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.