Bluevine vs US Bank
Bluevine is a free account with interest for basic business checking needs. How does it compare to US 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 US Bank has over 2,200 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 US Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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Bluevine | US Bank | |
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Business Checking - Up to 2.0% APY - | U.S. Bank Smartly™ Checking - Up to $600 Bonus - | |
Benefits and Features | ||
Savings | No savings account, but you add 5 free sub accounts | 0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance. |
CD | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. | |
Checking | Up to 2.0% APY. No monthly fees; no balance requirements; no overdraft fees | |
Money Market | 0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance. | |
APY | 2.0% APY on balances up to $100,000 for customers that meet monthly eligibility requirements | |
Customer Service | Phone and email: Monday - Friday. 8 am to 8 pm EST | 24/7 Live Customer Service (Telephone) |
Minimum Deposit to Open | ||
ACH Transfer Fee | ||
ATMs | More than 37,000 ATMs across the country | |
Balance Requirement | ||
Cash Deposit Fee | ||
Incoming Wire Transfer Fee | ||
IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
Locations | More than 2200 branches across the country. | |
Out of Network ATM Fee | ||
Outgoing Wire Transfer Fee | ||
Overdraft Fee | ||
Monthly Fee | ||
CreditDonkey® Reviews | ||
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Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
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Fees | ![]() ![]() ![]() ![]() ![]() | |
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CD | ![]() ![]() ![]() ![]() ![]() | |
Money Market | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
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Bottom Line | Free account with interest for basic business checking needs... | Big national bank with wide array of services and many account options... |
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Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. US Bank: Pricing information from published website as of 11/9/2022 based on 91107 zip code. |
Business Checking - Up to 2.0% APY
- 2.0% APY on your balance up to $100,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Open a Free Business Checking Account
- 2.0% APY on your balance up to $100,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Business Checking - Up to 2.0% APY
- 2.0% APY on balances up to $100,000 for eligible customers
- Unlimited transactions
- 5 free subaccounts with unique account numbers
- 2 free checkbooks per year
- $0 monthly service fee
U.S. Bank Smartly™ Checking - Up to $600 Bonus
- Enroll in online banking or the U.S. Bank Mobile App
- Complete two or more direct deposits of $3,000 to $5,999.99 to earn $200, $6,000 to $9,999.99 to earn $400 and $10,000 or more to earn $600.
Silver Business Checking Package - $500 Bonus
- Enroll in business online banking within 60 days of account opening.
- Complete $3,000 in new money deposits and maintain for 60 days from account opening.
Gold Business Checking Package - $500 Bonus
- Enroll in business online banking within 60 days of account opening.
- Complete $3,000 in new money deposits and maintain for 60 days from account opening.
Which is Better: Bluevine or US 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 Chase.
In short: Bluevine's checking is worth mentioning. US Bank's customer service is notable.