High-yield business banking. For the owner whose cash sits.
Bluevine is our secondary business-banking recommendation. The choice when yield matters more than multi-account architecture. If your operating account routinely carries $100K+ and the interest is real money, Bluevine usually wins on dollars. If you need multi-account sub-routing for payroll / tax-reserve / owner-pay, Relay is the first choice.
Business banking with yield. And the operational features to back it up.
Bluevine is online business banking with one defining feature: high-yield checking on real operating balances. Incoming wires are free; sending a wire costs a fee. Some plans have monthly fees that go away if you keep a set balance and use the card. For owners whose business cash is also their working reserve, the interest is material.
Bluevine isn't the right primary bank for every ETS client. If you need multi-account sub-routing (operating, payroll, tax-reserve, owner-pay) we route you to Relay. If you have $100K+ in mostly-static operating cash and you want it earning, Bluevine wins.
When Bluevine is the right call.
- You're a single-entity operator (S-corp or LLC)
- Operating balance routinely carries $100K+ in mostly-static cash
- You value yield more than sub-account architecture
- You want a clean, modern banking interface
- You don't need payroll-account sub-routing (Gusto can pull from main)
- You have 2+ entities sharing a banking setup
- You want Profit First / multi-account architecture
- Your cash flow is dynamic (operating balance varies week-to-week)
- Payroll account needs to be separately funded
What clients ask about Bluevine.
When does Bluevine make more sense than Relay?
When you're a single-entity operator carrying meaningful cash balances and the interest yield matters more than the multi-account architecture. Bluevine's current rates run from 1.3% to 3.0% APY, depending on the plan; the top rate needs the Premier plan. Rates can change, so check Bluevine's page before you decide. If you have 1–3 entities and you don't need sub-accounts, Bluevine often wins.
What's the ETS-Bluevine relationship?
Bluevine is a featured partner on our /partners page. ETS-introduced accounts can access a preferred yield tier (terms set by Bluevine, subject to change). If we receive referral pay or other benefit from Bluevine, we disclose it on the partners page. We can coordinate the onboarding through their partnership desk when you engage with us.
Is Bluevine FDIC insured?
Bluevine is a financial tech company, not a bank. Banking is provided by Coastal Community Bank, Member FDIC. FDIC insurance is $250,000 per depositor, per bank. Bluevine also spreads larger balances across partner banks to reach up to $3 million. Check Bluevine's page for the current terms.
Can I use both Relay and Bluevine?
Yes. Many of our clients use both. Relay for the operational account architecture (operating, payroll, tax-reserve), Bluevine for an interest-bearing reserve account. The two banks coordinate cleanly.
One Discovery call. We pick the right bank: Relay, Bluevine, or both.
Bring your operating-balance pattern and how dynamic your cash flow is. We'll recommend which bank fits, and walk you through the onboarding inside Basecamp.
Book a free call →