Bluevine Plus Overview
Bluevine Plus is the premium tier of Bluevine's business checking, offering a higher 2.5% APY, priority customer support, and sub-accounts for $30 per month. For businesses that already love Bluevine's free checking but want more yield and better service, Plus represents the next step up. But is the $30/month worth it? Here's our detailed 2026 comparison.
Bluevine Plus builds on the standard Bluevine checking account (which is free and earns 2.0% APY) by adding premium features. The most notable upgrade is the higher APY: 2.5% on your entire checking balance, compared to 2.0% on the free plan. At $30/month ($360/year), the math works in your favor once your checking balance exceeds approximately $72,000. At that point, the extra 0.5% APY generates more than $360 in additional annual interest, making the Plus plan profitable. Below that balance, the free plan offers better value.
Fee Breakdown
| Fee Type | Amount |
|---|---|
| Monthly Fee | $30/month |
| Minimum Balance | $0 |
| Domestic Wire (Outgoing) | $10 |
| Domestic Wire (Incoming) | Free |
| International Wire (Outgoing) | $35 |
| ACH Outgoing | Free |
| Cash Deposits | n/a |
| ATM (Own Network) | Free |
| ATM (Other Networks) | refunded |
| Transactions Included | Unlimited/month |
| Extra Transaction Fee | Free |
| Interest Bearing | Yes — 2.5% APY |
Pros & Cons
✅ Pros
- ✓ 2.5% APY on checking balance — among the highest available
- ✓ Priority customer support with dedicated team
- ✓ Two sub-accounts for organizing funds
- ✓ Reduced wire fees: $10 domestic (vs $15 standard)
- ✓ All features of standard Bluevine included
- ✓ ATM fees reimbursed
- ✓ Unlimited free transactions
- ✓ Bill pay and check mailing included
❌ Cons
- ✗ $30/month fee is not waivable
- ✗ International wires still cost $35
- ✗ Only 2 sub-accounts (Relay offers 20 for free)
- ✗ No cash deposit capability
- ✗ APY rate can change — not guaranteed
- ✗ Only worth it with $72K+ balance
- ✗ Standard Bluevine at 2.0% APY is free
- ✗ Limited integrations compared to some competitors
Who Is Bluevine Plus Best For?
Bluevine Plus makes financial sense for businesses maintaining checking balances above $72,000. At $100K, the extra 0.5% APY generates $500/year — a net gain of $140 after the $360 annual fee. At $200K, you're netting $640 extra per year. The priority support and sub-accounts are additional perks. If your balance is typically below $72K, stick with the free Bluevine plan — you'll get 2.0% APY without paying anything. For businesses with very high balances ($250K+), also consider Bluevine Premier or Grasshopper Bank's 2.25% APY (which is free).
Our Verdict
Bluevine Plus is a smart upgrade for businesses with significant checking balances. The 2.5% APY is genuinely competitive, and the priority support is a meaningful improvement for businesses that value responsive customer service. The key question is your balance: above $72K, Plus pays for itself. Below that, the free standard plan is the better deal. For most businesses, starting with free Bluevine and upgrading to Plus as your balance grows is the optimal path.
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Visit Bluevine Plus →Compare Bluevine Plus with alternatives:
Bluevine (Standard) · Grasshopper Bank · Relay Pro · Use Our Calculator
How Bluevine Plus Compares
| Bank | Monthly Fee | APY | Rating | Review |
|---|---|---|---|---|
| Bluevine Plus | $30/month | 2.5% | ⭐ 4.4/5 | Review |
| Bluevine | Free | 2.0% | ⭐ 4.6/5 | Review |
| Grasshopper Bank | Free | 2.25% | ⭐ 4.3/5 | Review |
| Mercury | Free | 0% | ⭐ 4.7/5 | Review |
Key Details
Upgraded from standard Bluevine. Higher APY. Priority support. 2 sub-accounts. Better for businesses with significant checking balances.
Data last verified: 2026-03. Fees and features may change. Always verify current terms on the bank's website before opening an account.