Bluevine vs Relay

Bluevine is a free account with interest for basic business checking needs. How does it compare to Relay? 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 Relay lets you open up to 20 individual business checking accounts and 50 debit cards at no extra charge. There's also free cash deposits and free mailed checks through the app. There's no monthly fee.

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

	Bluevine	Relay

	Visit Site	Visit Site
	SPECIAL OFFER Free Business Checking - Earn $300 Bonus - Learn More Read Bluevine Review	SPECIAL OFFER No-Fee Business Checking - Learn More Read Relay Review
	Benefits and Features
Savings	No savings account, but you add 5 free sub accounts	Earn up to 3% APY: Earn 1% APY on savings balances of less than $50,000, 1.5% APY on savings between $50,000 and $250,000, 2% APY on savings balances between $250,000 and $1,000,000 and 3% APY on savings balances of more than $1,000,000.
Checking	4.25% APY for Premier customers, 3.0% 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	Up to 20 individual business checking accounts; no monthly fees; no overdraft fees
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)	$0
APY	4.25% APY on balances up to $3M for Premier customers; 3.0% 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	N/A
Minimum Deposit to Open	$0	$0
ACH Transfer Fee	$0	$0
ATMs	approximately 40,000 MoneyPass ATMs	55,000+ AllPoint ATMs
Balance Requirement	None	None
Cash Deposit Fee	$4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs	$0 for cash deposits at Allpoint ATMs
Customer Service	Phone and email: Monday - Friday. 8 am to 8 pm EST	Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday
Incoming Wire Transfer Fee	$0	$0
Locations	Online only	Online only
Out of Network ATM Fee	$2.50	Fee from ATM owner
Outgoing Wire Transfer Fee	$15 ($12 for Plus; $7.50 for Premier)	$5 for domestic; $10 for international
Overdraft Fee	$0	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Pros & Cons	Pros: High interest rate $0 monthly fee 2 free checkbooks Cons: Fees to deposit cash No physical branches	Pros: Up to 20 checking accounts Up to 50 debit cards $0 monthly fee Earn interest with automated savings Cons: No paper checks
Bottom Line	Free account with interest for basic business checking needs... Read full review	One of the best online business banking accounts for large teams... Read full review
	Visit Site	Visit Site
	Free Business Checking - Earn $300 Bonus Free Business Checking - Up to 1.5% APY Premier Business Checking - Up to 4.25% APY	No-Fee Business Checking

Free Business Checking - Earn $300 Bonus

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Expires 12/31/2024

To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 12/31/2024 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

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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

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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

No-Fee Business Checking

$0 monthly service fee
$0 minimum opening deposit
Open up to 20 individual business checking accounts
Earn up to 3% APY with automated savings
Issue up to 50 Visa® debit cards to your team

Banking services provided by Thread Bank and Evolve Bank & Trust; Members FDIC.

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Which is Better: Bluevine or Relay?

Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Bluevine or Novo.

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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.