Bluevine vs Mercury: compare the bank programme, not just the dashboard.

SRC-BLUEVINE-US

Bluevine Business Checking · Bluevine · observed 2026-07-12

• Bluevine says it is a financial technology company, not a bank.
• Banking services are provided by Coastal Community Bank, Member FDIC.
• The current page lists Standard with no monthly fee, Plus at USD 30 per month and Premier at USD 95 per month, with separate waiver and interest conditions.
• Bluevine describes up to USD 3 million in FDIC insurance through Coastal Community Bank and program banks; this depends on pass-through, sweep and aggregation rules.

SRC-BLUEVINE-US-AGREEMENT

Bluevine Business Checking Deposit Account Agreement · Coastal Community Bank and Bluevine · observed 2026-07-12

• The agreement is effective 12 February 2026 and identifies Coastal Community Bank as the bank making the account and debit card available on behalf of Bluevine Inc.
• Bluevine Inc. is the programme partner managing the Bluevine Business Checking programme; the demand-deposit customer is a commercial legal entity.
• The agreement permits security, legal, regulatory and fraud-related holds, transaction limits, feature restrictions and requests for additional information.
• Contract limits distinguish direct incoming ACH or wire, dashboard-initiated linked-account pulls, cash deposits, mobile checks, cards and withdrawals.

SRC-BLUEVINE-US-PLANS

Compare Bluevine Business Checking plans · Bluevine · observed 2026-07-12

• Standard is listed at USD 0 per month, Plus at USD 30 and Premier at USD 95, with separate fee-waiver requirements.
• Current APYs are 1.3 percent for eligible Standard balances up to USD 250,000, 1.75 percent for Plus balances up to USD 250,000 and 3.0 percent for Premier without a stated interest balance cap.
• Plan differences include payment discounts, five, ten or twenty sub-accounts, free mailed checks, fraud controls, priority support and conditional Treasury access.
• Plus and Premier fee waivers require both the stated average balance and card-spend thresholds during the billing cycle.

SRC-BLUEVINE-US-FEES

Bluevine Business Checking fees · Bluevine · observed 2026-07-12

• The 28 May 2026 schedule lists plan fees, ACH, check, wire, cash-deposit, ATM, international-payment, replacement-card and dormancy charges.
• Standard ACH and incoming domestic ACH or wires are listed at USD 0; same-day ACH and outgoing wire charges fall by plan.
• Cash deposits, out-of-network ATMs, express replacement cards, international payments and certain checks can carry fees despite the Standard plan's zero monthly fee.
• The schedule says transaction counts are unlimited but amount limits in the account agreement and customer dashboard still apply.

SRC-BLUEVINE-US-INTEREST

Terms of Interest Accrual for Bluevine Business Checking · Bluevine · observed 2026-07-12

• The interest terms are effective 12 March 2026 and establish the current APY and balance cap for each plan.
• Standard customers must meet at least one monthly activity condition; Plus and Premier customers are automatically eligible under the current terms.
• APY and eligibility can change under the account agreement and should be rechecked before publication or account selection.

SRC-BLUEVINE-US-LIMITS

Bluevine Business Checking account limits · Bluevine · observed 2026-07-12

• The 2 June 2026 article distinguishes unlimited transaction counts from account-specific transaction amount limits shown in the web dashboard.
• Direct incoming ACH and wire transfers are listed without an incoming amount limit, while dashboard pulls may be reviewed or restricted.
• Card purchases are listed up to USD 25,000 per day per card based on eligibility; cash, ATM and mobile-check limits remain method-specific.
• Bluevine may permit higher limits or restrict transactions based on eligibility, review and risk controls.

SRC-BLUEVINE-US-SWEEP

Bluevine Business Checking Sweep Disclosure · Coastal Community Bank and Bluevine · observed 2026-07-12

• The disclosure lets Coastal arrange deposits across programme banks to increase potential FDIC coverage, subject to ownership category, aggregation and programme rules.
• Deposits at the same programme bank in the same ownership capacity aggregate with deposits held outside Bluevine.
• Funds can reach an excess bank above the applicable insured limit, programme banks can change, and customers cannot access programme-bank accounts directly.
• Opting out leaves deposits at Coastal and removes sweep-related coverage above the standard maximum for the Bluevine account.

SRC-BLUEVINE-US-SWEEP-BANKS

Bluevine sweep network partner banks · Bluevine · observed 2026-07-12

• The 10 June 2026 article lists the current Bluevine sweep-network banks.
• The list may change without advance notice and must be checked with the sweep statement and disclosure rather than treated as permanent.

SRC-BLUEVINE-US-PAYMENTS

Bluevine domestic payment methods and processing · Bluevine · observed 2026-07-12

• Bluevine documents standard and same-day ACH, domestic wire, mailed check and Bluevine Pay options with method-specific timing and fees.
• Standard ACH and Bluevine Pay are listed without a Bluevine payment fee; other methods depend on plan and delivery method.
• Payments can be one-time or recurring, and the dashboard supports payees, bill details, approvals and status tracking.
• Bluevine currently states that its account is not compatible with Zelle.

SRC-BLUEVINE-US-USERS

Bluevine additional users, roles and permissions · Bluevine · observed 2026-07-12

• The 2 June 2026 guide describes Administrator, Authorized User, Accountant, Clerk and Employee roles with distinct permissions.
• Additional users have separate credentials, while the account owner remains responsible for authorised transactions and fees.
• Payment approvals, cards, statements, bill management, sub-accounts and external-account access are permission-specific rather than universal.

SRC-BLUEVINE-US-QUICKBOOKS

Connect QuickBooks Online to Bluevine · Bluevine · observed 2026-07-12

• Bluevine supports a QuickBooks Online connection for bills, transactions and payee workflows.
• The connection is configured through the web dashboard and payment sync for sub-accounts is not currently supported.
• The integration is not evidence of every accounting field or workflow syncing bidirectionally.

SRC-BLUEVINE-US-INTERNATIONAL-OWNERS

Bluevine US business banking for international owners · Bluevine · observed 2026-07-12

• Eligible international owners must have a US-registered LLC or corporation, an EIN, a valid passport and residence in a supported country.
• International-owner onboarding does not currently cover non-US business entities, sole proprietorships or nonprofits.
• Lending, credit and Treasury products are not currently available to international owners, and other feature limitations apply.

SRC-BLUEVINE-US-ELIGIBILITY

Apply for Bluevine Business Checking · Bluevine · observed 2026-07-12

• Applicants must be at least 18, own or represent a US-registered business and pass identity verification.
• Supported entity types, owner countries and industries vary; applications remain subject to approval.
• The process requests business, controller and 25-percent-or-more owner information and may require additional documents.

SRC-MERCURY-US-LEGAL

Mercury legal and banking-provider disclosures · Mercury · observed 2026-07-13

• Mercury identifies Mercury Technologies, Inc. as a fintech company rather than an FDIC-insured bank.
• Business banking services are provided through Choice Financial Group and Column N.A., both Members FDIC; the exact provider account and agreement remain customer-specific.
• Mercury Treasury and Mercury Invest are separate Mercury Advisory, LLC investment-advisory products and are not bank deposits.

SRC-MERCURY-US-BUSINESS

Mercury business checking and savings · Mercury · observed 2026-07-13

• Mercury describes free business checking and savings, virtual and physical cards, ACH, wires, checks, invoicing, bill pay, permissions and accounting integrations.
• The page advertises potential FDIC coverage up to USD 5 million through partner banks and sweep networks, subject to programme, ownership, recordkeeping and same-bank aggregation conditions.
• Its FAQ names Choice Financial Group, Column N.A. and Evolve Bank & Trust, while current legal and business-disclosure summaries emphasize Choice and Column; the customer statement and governing agreement remain controlling.

SRC-MERCURY-US-ELIGIBILITY

Mercury business account eligibility · Mercury Support · observed 2026-07-13

• A business must be formed and registered in the United States or a US territory and provide legal, operating, source-of-funds, ownership and controller information.
• International founders can apply for an eligible US-registered business, but principal-address, prohibited-country, industry, entity and verification restrictions apply.
• Mercury and its banking providers retain approval discretion; submitted documents and general eligibility do not guarantee account opening or every product.

SRC-MERCURY-US-PRICING

Mercury business pricing plans · Mercury Support · observed 2026-07-13

• Mercury states that core business banking has no monthly, overdraft or minimum-balance fee and no Mercury fee for domestic wires, ACH or checks.
• Plus, Pro and Enterprise subscription services add advanced workflow and support features under separate monthly or annual pricing.
• International currency conversion, premium processing, API mass payments, Treasury, cards, third parties and other optional actions can carry separate fees.

SRC-MERCURY-US-SWEEP

Mercury Choice sweep programme agreement · Choice Financial Group and Mercury · observed 2026-07-13

• Eligible funds can be placed from a core bank into deposit accounts at programme banks on the customer-specific bank list.
• Coverage depends on beneficial ownership, account titling, records, programme limits, same-bank deposits held elsewhere and the FDIC determination at bank failure.
• A multi-bank sweep can expand potential coverage but does not create USD 5 million of insurance at one bank or protect balances above applicable programme and bank limits.

SRC-MERCURY-US-PAYMENTS

Mercury business payment methods · Mercury · observed 2026-07-13

• Mercury lists ACH, domestic and international wires, checks, bill pay, invoicing and accounting connections for eligible business accounts.
• The current page lists USD 0 for ACH, domestic wires, mailed checks and USD international wires, while supported non-USD international wires use a stated one-percent currency conversion fee.
• Displayed timing ranges remain provider-stated estimates; recipient, rail, currency, intermediary, premium-processing, limit, compliance and third-party conditions can change cost or arrival.

SRC-MERCURY-US-IO

Mercury IO qualification and card terms · Mercury Support · observed 2026-07-13

• IO is a cash-underwritten business charge card whose balance cannot exceed eligible cash held with Mercury; Patriot Bank, N.A. issues the cited card.
• Introductory daily repayment and higher-limit monthly or daily repayment paths depend on balance, account history, underwriting and in-product qualification.
• The cited one-and-a-half-percent cashback applies to eligible settled purchases while approval, limit, repayment, card, fee and good-standing conditions remain separate.

SRC-MERCURY-US-TREASURY

Mercury Treasury eligibility · Mercury Support · observed 2026-07-13

• Treasury requires an approved Mercury business account, at least USD 250,000 in total deposits, supported physical location and an eligible entity type.
• Mercury Treasury is offered by Mercury Advisory, LLC through an investment and brokerage structure, not by the business deposit-account banking providers.
• Treasury securities can lose value, are not FDIC-insured bank deposits and use separate advisory, brokerage, yield and fee terms.

SRC-MERCURY-US-PARTNER-MIGRATION

Switching Mercury partner banks · Mercury Support · observed 2026-07-13

• Mercury says checking and savings accounts are provided through Choice Financial Group and Column N.A., while switching partner banks opens new provider accounts and transfers activity.
• A migration requires new bank terms and can change routing details, account status and programme-bank placement; old accounts can be disabled.
• Mercury's business page also mentions Evolve Bank & Trust, so the exact current provider must be read from the customer's statement and governing agreement.

SRC-MERCURY-US-DISCLOSURES

Mercury for Business disclosures · Mercury · observed 2026-07-13

• Mercury states that it is a fintech company rather than an FDIC-insured bank and identifies Choice Financial Group and Column N.A. as banking providers.
• Mercury debit cards are issued by Choice or Column, while the IO charge card is issued by Patriot Bank, N.A.; these card roles do not reclassify Mercury.
• Non-USD international wires have a stated one-percent currency-exchange fee and non-USD debit or IO card transactions can have a currency-exchange fee up to three percent.

SRC-FDIC-DEPOSIT-INSURANCE

Understanding deposit insurance · Federal Deposit Insurance Corporation · observed 2026-07-12

• FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.
• Corporation, partnership and unincorporated-association accounts are a distinct ownership category.
• Balances at the same insured bank in the same ownership category are aggregated.

SRC-FDIC-PASS-THROUGH

Pass-through deposit insurance coverage · Federal Deposit Insurance Corporation · observed 2026-07-12

• Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.
• Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.
• If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer.