Bluevine,
reviewed.

Lower-mid-market US business neobank with high-yield checking.
2% APY on business checking, partner-bank FDIC up to $3M. No retail product.

Bluevine is a US small-business neobank — fee-free Business Checking with ~2% APY on balances (rare for a US business checking product). Partner-bank model: Coastal Community Bank + Bangor Savings sponsor FDIC pass-through up to $3,000,000 via custodial sweep. ACH + same-day wires, sub-accounts, multi-user access. Pivoted from invoice-factoring origins (2013) to checking-led business in 2023. ~$700M raised; ~$0.6B valuation. Use Bluevine if you're an SMB or freelancer wanting fee-free business checking + yield from a partner-bank product. Use Mercury instead for venture-backed startups; use Brex if corporate cards + spend management are the goal.