Bluevine vs U.S. Bank

Bluevine is a free account with interest for basic business checking needs. How does it compare to U.S. 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 U.S. Bank has over 2,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

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

	Bluevine	U.S. Bank
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Free Business Checking - Earn $500 Bonus - Learn More Read Bluevine Review	SPECIAL OFFER U.S. Bank Smartly® Checking and Savings Account - $200 Bonus Read U.S. Bank Review
	Benefits and Features
Savings	No savings account, but you add 5 free sub accounts	Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18.
CD		Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000.
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	Smartly Checking
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		0.01% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance.
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
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	approximately 40,000 MoneyPass ATMs	4,700+ U.S. Bank ATMs across the country
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 Live Customer Service (Telephone)
Incoming Wire Transfer Fee	$0
IRA Money Market		Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations	Online only	2,000+ branches
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 Free checkbook Cons: Fees to deposit cash No physical branches	Pros: Promo CD with high APY Free student account 24/7 customer service Cons: Low standard savings APY
Bottom Line	Free account with interest for basic business checking needs... Read full review	Big national bank with wide array of services and many account options... Read full review
	Visit Site	Learn More
	Free Business Checking - Earn $500 Bonus Free Business Checking - Up to 1.3% APY Premier Business Checking - 3.00% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. U.S. Bank: Pricing information from published website as of 05/16/2026 based on 91107 zip code.

Free Business Checking - Earn $500 Bonus

Get Deal

Expires 9/30/2026

To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 09/30/2026 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 U.S. 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.

In short: Bluevine's checking is worth mentioning. U.S. Bank's customer service is notable.

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