Wells Fargo vs Bluevine

Wells Fargo is an a "big 4" bank with a good range of checking accounts and full services. How does it compare to Bluevine? Read our comparison chart below.

Wells Fargo is one of America's largest banks with approximately 4,100 locations and more than 11,000 ATMs. Offers many checking options, including Everyday Checking and Clear Access Banking for those who have financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.

While 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.

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

	Wells Fargo	Bluevine
	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER Personal Checking Account - $125 Bonus Read Wells Fargo Review	SPECIAL OFFER Free Business Checking - Earn $300 Bonus - Learn More Read Bluevine Review
	Benefits and Features
Savings	0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under.	No savings account, but you add 5 free sub accounts
CD	Standard Fixed Term CD available online: 2.00% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 2.01% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch.
Checking	Clear Access Banking, Everyday Checking, Prime Checking, Premier 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)
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	11,000+ ATMs across the country	approximately 40,000 MoneyPass 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	Available 24 hours a day, 7 days a week.	Phone and email: Monday - Friday. 8 am to 8 pm EST
Incoming Wire Transfer Fee		$0
IRA CD	Standard Term CD: 0.01% to 2.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
Locations	approximately 4,100 retail banking branches coast to coast	Online only
Out of Network ATM Fee		$2.50
Outgoing Wire Transfer Fee		$15 ($12 for Plus; $7.50 for Premier)
Overdraft Fee		$0
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Fees
Pros & Cons	Pros: Low requirements for Everyday Checking Full service bank 24/7 customer service Cons: Low savings rates Not in all states	Pros: High interest rate $0 monthly fee 2 free checkbooks Cons: Fees to deposit cash No physical branches
Bottom Line	A "big 4" bank with a good range of checking accounts and full services... Read full review	Free account with interest for basic business checking needs... Read full review
	Learn More	Visit Site
		Free Business Checking - Earn $300 Bonus Free Business Checking - Up to 1.5% APY Premier Business Checking - Up to 3.7% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Wells Fargo: Pricing information from the published website as of 04/17/2025 is based on the 91101 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: Wells Fargo or Bluevine?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Wells Fargo or Bank of America.

In short: Wells Fargo's customer service is worth mentioning.

Articles on Wells Fargo

Wells Fargo Bank Review

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Wells Fargo High Yield Savings

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Wells Fargo Bank CD Rates

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Wells Fargo Bank Hours

Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.

Wells Fargo Routing Number

Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

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Bluevine Business Checking Review

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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.