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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 3,000 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 US Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 BluevineUS Bank
 Visit SiteVisit Site
 

Bluevine

US Bank

SPECIAL OFFER
Business Checking - Up to 2.0% APY - Learn More

Read Bluevine Review

SPECIAL OFFER
U.S. Bank Smartly™ Checking - $300 Bonus - Learn More

Read US Bank Review

 

Benefits and Features

SavingsNo savings account, but you add 5 free sub accounts0.01% 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. CD Special: 3.00% APY - 3.20% APY. Terms of 11, 17, and 25 months. Minimum deposit of $1,000. Maximum deposit $249,999.
CheckingUp to 2.0% APY. No monthly fees; no balance requirements; no overdraft fees
Smartly Checking
Money Market 0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
APY2.0% APY on balances up to $100,000 for customers that meet monthly eligibility requirements 
Customer ServicePhone and email: Monday - Friday. 8 am to 8 pm EST24/7 Live Customer Service (Telephone)
Minimum Deposit to Open
$0
 
ACH Transfer Fee
$0
 
ATMs
37,000+ MoneyPass ATMs
More than 4,700 ATMs across the country
Balance Requirement
None
 
Cash Deposit Fee
$4.95
 
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
More than 3000 branches across the country.
Out of Network ATM Fee
$2.50
 
Outgoing Wire Transfer Fee
$15
 
Overdraft Fee
$0
 
Monthly Fee
$0
 
 

CreditDonkey® Reviews

 BluevineUS Bank
CheckingStarStarStarStarHalf StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarEmpty StarEmpty StarEmpty StarStarStarStarStarHalf Star
FeesStarStarStarStarStar
SavingsStarStarStarEmpty StarEmpty Star
CDStarStarStarStarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • High interest rate
  • $0 monthly fee
  • 2 free checkbooks
Cons:
  • Fees to deposit cash
  • No physical branches
Pros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • High minimums to waive fees
  • Low savings APY
Bottom LineFree account with interest for basic business checking needs... Read full reviewBig national bank with wide array of services and many account options... Read full review
 Visit SiteVisit Site

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.

Bluevine

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
Banking services provided by Coastal Community Bank, Member FDIC
Bluevine

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
Banking services provided by Coastal Community Bank, Member FDIC
Bluevine

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
Banking services provided by Coastal Community Bank, Member FDIC
US Bank
Member FDIC

U.S. Bank Smartly™ Checking - $300 Bonus

Earn $300 when you open a new eligible U.S. Bank Smartly™ checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through December 19, 2022. Member FDIC. Complete these steps within 60 days of opening your new Bank Smartly™ checking account online:
  • Enroll in online banking or the U.S. Bank Mobile App
  • Complete two or more direct deposits of $5,000 or more to earn $300
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account
Expires 12/19/2022
US Bank
Member FDIC

Silver Business Checking Package - $400 Bonus

Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities1, subject to certain terms and limitations. Offer valid through January 9, 2023. Member FDIC. Complete these steps to earn the offer:
  • Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
  • Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
  • Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.
Expires 1/9/2023
US Bank
Member FDIC

Gold Business Checking Package - $400 Bonus

Earn a $400 bonus when you open a new, eligible U.S. Bank business checking account online with promo code AF49ZCB and complete qualifying activities1, subject to certain terms and limitations. Offer valid through January 9, 2023. Member FDIC. Complete these steps to earn the offer:
  • Enroll in online banking or U.S. Bank Mobile App within 60 days of account opening.
  • Complete $3,000 in new money deposits within 30 days of account opening and maintain for 60 days.
  • Make five qualifying transactions into your new business checking account. Qualifying transactions include: Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay.
Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.
Expires 1/9/2023

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 and mobile app are 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.

Is Bluevine Safe and 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.

Articles on US Bank

US Bank Review

U.S. Bank is the 5th largest bank in the US, but does that make them a good bank for you? Do you need a large national bank or is a smaller bank more your style?

US Bank Routing Number

To transfer money in or out of your US Bank checking or savings account, you'll need the right routing number. Find your US Bank routing number below.

Which Do You Think is Best?





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