Bluevine vs PNC Bank

Bluevine is a free account with interest for basic business checking needs. How does it compare to PNC 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 PNC Bank has 2,200+ branches in 29 states plus D.C. mostly in the East. Checking accounts offer a unique Virtual Wallet feature with financial tools to help achieve goals. Account fees are easily waived by meeting account balance or direct deposit requirements.

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

	Bluevine	PNC Bank

	Visit Site	Learn More
	SPECIAL OFFER Free Business Checking - Earn $300 Bonus - Learn More Read Bluevine Review	SPECIAL OFFER Virtual Wallet with Performance Select Checking - $400 Bonus - Learn More Read PNC Bank Review
	Benefits and Features
Savings	No savings account, but you add 5 free sub accounts	Up to 3.95% APY. Only available in eligible markets.
CD		0.01% to 4.10% APY. Terms of 7 days to 10 years.
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	Virtual Wallet: $7/month fee, unless you have 1) $500/month in qualifying direct deposits, or 2) maintain a $500 balance, or 3) be at least 62 years old. Virtual Wallet with Performance Spend: $15/month fee, unless you have 1) $2,000 in qualifying direct deposits, or 2) a $2,000 balance, or 3) $10,000 in combined PNC consumer deposits. Virtual Wallet with Performance Select: $25/month fee, unless you have 1) $5,000 in qualifying direct deposits, or 2) a $5,000 balance (including up to 7 linked checking accounts), or 3) $25,000 in combined balances or PNC consumer deposits, and/or investments. Select Markets Only*
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)
Money Market		Up to 0.05% APY. Only available in eligible markets.
APY	3.7% 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
ATMs	approximately 40,000 MoneyPass ATMs	approximately 60,000 PNC and partner 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 Service	Phone and email: Monday - Friday. 8 am to 8 pm EST	Personal Credit Cards: Automated account information is available 24/7 Other products & services: Monday - Friday: 8:00 a.m. - 9:00 p.m. ET Saturday - Sunday: 8:00 a.m. - 5:00 p.m. ET
Incoming Wire Transfer Fee	$0
Locations	Online only	2,600+ locations
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
Savings
CD
Money Market
Pros & Cons	Pros: High interest rate $0 monthly fee 2 free checkbooks Cons: Fees to deposit cash No physical branches	Pros: Virtual Wallet tools Relatively easy to waive fees Free student account Cons: Limited branches Low APY on some savings accounts
Bottom Line	Free account with interest for basic business checking needs... Read full review	East Coast bank with advanced financial tools to help achieve goals... Read full review
	Visit Site	Learn More
	Free Business Checking - Earn $300 Bonus Free Business Checking - Up to 1.5% APY Premier Business Checking - Up to 3.7% APY	Virtual Wallet with Performance Select Checking - $400 Bonus Virtual Wallet with Performance Spend Checking - $200 Bonus Virtual Wallet Checking - $100 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. PNC Bank: Pricing information from published website as of 05/07/2025 based on 91107 zip code.

Free Business Checking - Earn $300 Bonus

Get Deal

Expires 6/30/2025

To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 06/30/2025 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
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

Which is Better: Bluevine or PNC 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.

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