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Bluevine Review

Banking platform for small businesses

Reviews 7,086

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Ashlyn Jackson
Ashlyn Jackson
Nov. 15, 20224 min read

Bluevine summary

When it comes to small businesses, you want an online bank that offers flexibility along with excellent customer support and as few fees as possible. Bluevine gives its small business owners peace of mind and an array of services with its online banking option.

Pros

  • 2.0% high-yield interest checking for eligible customers
  • No monthly fees
  • Free ACH and incoming wire transfers

Cons

  • Customer support only available during set business hours
  • No business credit card
Bluevineat a glance
4.6

Editorial score

Fees?

No fees at all

5.0

Security

FDIC insured and SSL/AES encrypted account

4.0

Customer service

Early morning, evening and weekend service with multiple communication options and a dedicated fraud team

4.0

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities

5.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

5.0

Bluevine Bluevine Visit Bluevine

Advantages Over A Regular Bank 

Bluevine shows an above average performance when it comes to affordability and ease of use. With the national average interest yield sitting at 0.06%, Bluevine offers their checking account interest at a competitive rate of 2.00% for eligible customers. In addition to their interest rate, Bluevine also offers no monthly fees, free ACH and incoming wire transfers, and built-in bill pay solutions that save you time.

Cutting-Edge Banking Services 

Customers are given complete control of their banking experience with Bluevine. You can access your accounts through their online portal or mobile app, transfer funds and upload checks from anywhere at any time. FDIC-insured accounts allow for maximum protection against fraud and give total coverage with $250,000 per account.  

Online Bill Pay 

Bluevine Business Checking comes with a robust bill pay platform that's built to save you time paying your bills, so you can focus on growing your business. Streamline your bill pay by using payment options you're familiar with (like ACH, wire, or check), plus pay most bills by credit card. Set up permissions so your team or accountant can submit bills for your approval, and make or schedule multiple bills at once. Easily stay in sync with your Quickbooks Online account and protect your cash with automatic fraud prevention for check payments.

Customer Service 

Bluevine offers several ways for their customers to reach them. Support can be reached by phone on Monday - Friday from 8:00am-8:00pm (EST). Alternatively, customers can find support through email by filling out the online form available through their website or by email.. 

 Mobile Apps 

Accessibility is key in online banking. Bluevine’s mobile banking app allows you all the control of business banking from the convenience of your smart device. The app allows you to view your balances, manage cash flow, track transactions and deposit checks without ever having to set foot in a bank.

Security

Online banking offers the simplest form of convenience but with that comes the need for additional safety precautions. This has made security for customers a top priority, Bluevine understands this concept and takes every measure to protect its customers from fraud and identity theft. Accounts are FDIC insured up to $250,000. In addition, Bluevine has implemented a comprehensive security system with safeguard procedures including SSL encryption to ensure every customer's information is kept confidential.

Bluevine Bluevine Visit Bluevine

Conclusion 

Bluevine’s online banking option is a safe and affordable platform for small businesses looking to grow their company, receive low interest funds or simply to have a place to park their revenue. With no fees, thousands of free ATMs and several banking services offered, online banking with Bluevine is both simple and affordable.


Ashlyn Jackson
Written byAshlyn Jackson

Ashlyn is a financial writer and civil engineer. She's on a mission to show others how to save and spend smarter through budgeting and good money habits. She also manages the blog dearyoungprofessional.com that focuses on personal finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Bluevine
Bluevine
ExcellentReviews 7,086
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Trustpilot reviews

See what some costumers are saying about Bluevine
Bluevine
ExcellentReviews 7,086
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Excellent
81%
Great
4%
Average
2%
Poor
2%
Bad
11%
  • author
    Christopher Yates, US Trust
    4 days ago
    Anthony Strachan-Butler

    Anthony Strachan-Butler, my ISO partner manager provides award winning client services. He will literally email me on a Sunday with a reminder from underwriting on a specific bank statement month or answer a question, I may have asked during a Friday. This personal service allows me to advertise more for business clients that need their lines of credit. I am a smaller ISO, in serious growth mode and Anthony provides above and beyond service on weekends and does not get paid to do so. He treats me like a million dollar account and I appreciate his work ethic. These types of employees in 2022 are almost unheard of. Blue Vine should keep this employee happy and has serious character about growing the Blue Vine Fintech portal.

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  • author
    Bob Meyer
    a day ago
    Not worth the hassle

    I thought Blue Vine looked pretty good. Everything went smoothly until I tried to connect my other bank account. All they'd tell me is that the Routing/Account numbers didn't match anything (though I verified numbers with my bank and tried them multiple times), and support didn't seem to want to suggest anything other than what's already in their Help section. I suppose I could pursue it further, but it's already been a couple of week, and I just am not interested in making a long-term project out of it - especially with the possibility of a frozen account down the road as described by other reviewers.

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  • author
    Ryan Iannitelli
    3 days ago
    Worst banking experience I have ever…

    Worst banking experience I have ever had they make you wait 10 days after you deposit a check for it to clear when they get their money the following day. They don't respond to emails and when you do get somebody and customer service he said there's nothing they can do so basically you're stuck with a deposit a check and no funds for 10 days

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  • author
    Dane Gifford
    Dec 02, 2022
    Quick & Painless

    The process was super fast and easy to understand. So much better than dealing with big banks that move at a snails pace. Daniel was great and made everything super easy to understand and made sure things went smoothly. Even when requesting some changes to our application, Dan made it super easy. If you are looking for a Line of Credit, look no further.

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  • author
    Domonique Henry
    Dec 02, 2022
    Policies change at will

    Customer service number on my supposed account manager who is literally in the office 1 day a week is a non working number. They approved me, I withdrew and then paid back within a week. Next week I go to withdraw again only to be told my account now on hold because my credit score went down 10 points. Then i raised my score within 2 weeks and then it was on hold due to my balance in my biz bank account not being over 45k. They didn't reduce me they froze my account without any knowledge of this being a practice. Then they closed my account because i applied with another loan broker who submitted an application to them without my knowledge. And I'm told oh well. try again in 6 months or so

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  • author
    Mark Ford
    Dec 02, 2022
    Bluevine is the future of banking

    Bluevine is the future of banking. I like they intergrate well with quickbooks online and mobile deposits are easy.

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  • author
    Eric Elvanian
    Dec 02, 2022
    HORRIBLE

    HORRIBLE. Opened a business checking account fairly easily. Downloaded the app and attempted to deposit a check. Got a message stating it uploaded successfully. The next day, I got an email saying the deposit was DECLINED because “the check could not be verified.” The check was from our property management team, a real estate firm in business over 40 years - not handwritten. I called immediately and was told the software rejected it, probably because I was too far from the check when snapping the photo. I’ve made hundreds of electronic deposits over the years and never had one rejected the next day, but ok. I’ll try again. I was super careful and made what I believed to be the perfect photo, but it was again rejected. I tried three more times over four days (total of five attempts), each attempting to guess why the prior one was rejected. Finally I called a second time and the woman who answered was harsh and snide and blamed me. She offered no solution (“we can’t have a human verify a check before the system clears it”). I had no choice to close the account because I had a four-figure check that I hadnt been able to deposit for four days - and she was more than happy to do that - no attempt to mitigate that. Afterwards, I deposited the check electronically to my personal credit union, where it was immediately accepted. BlueVine may have once been awesome, but they are

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  • author
    Rashaude Jones
    Dec 01, 2022
    This is the worst bank I have ever…

    This is the worst bank I have ever dealt with. I have nothing good to say about this bank truly. I’d rather take the chance of keeping my money on cash app because dealing with this bank is to much of a headache. In the past I left a review and again back in a tight situation

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  • author
    Ryan Higgins
    Nov 23, 2022
    Mitchell at Bluevine was very helpful…

    Mitchell at Bluevine was very helpful and quick with communication. Our funding was approved swiftly. “Funding secured”. The app is very easy to use as well. This is our second round of funding with Bluevine - our first in 2019.

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  • author
    Lloyd Veluya
    a day ago
    My account is frozen

    My account is frozen. Terrible customer service. I will complain to Office of the Comptroller of the Currency occ.treas.gov if my account is not unfrozen in a timely manner. My account was frozen for around 14 days. When they say they will contact you with in 24 business hours they should. A email will do or a phone call. Just as a courtesy to make me feel better that my money is fine and they are working on the problem.

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  • author
    Jesse Clark
    Nov 22, 2022
    I signed up for Blueline business…

    I signed up for Blueline business checking and deposited a measly $35 bucks to open the account. I got the blue debit card in the mail last night and activated it. This morning at 4 AM I got an email saying that my account is suspended and to contact support. I called and the agent says there are no notes on the account as to why it is suspended. He told me that he has to have the escalations team look at it and that it could take two days to hear back from them lol Skip this fintech. This is a horrible experience already with just $35 in the account.

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  • author
    Earl S
    Nov 22, 2022
    Very quick

    Very quick, easy process

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  • author
    Ryan Conley
    Nov 14, 2022
    Lexie is great! 🥇

    Lexie is great - very friendly and knowledgeable on the BlueVine product suite. Glad I was able to have her navigate the process.

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  • author
    Jayson Collier
    Nov 13, 2022
    Easiest lending experience I've ever…

    Easiest lending experience I've ever had. Started us off with a modest credit line and quickly increased it with responsible management. Reasonable cost of capital when you compare it to the time that would otherwise be spent haggling with traditional banks...often to just receive a long, slow, drawn out...no!

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  • author
    Ian Jordan
    Nov 10, 2022
    Shane and Mitchell

    So pleased with the team who assisted us throughout the application process, special mentioned to Shane and Mitchell. You are becoming great foundations to our small business as we move forward with our business expansions.

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  • author
    Robert
    Nov 10, 2022
    Will freeze your account and not let you withdraw

    I have been a customer for a couple years now and am closing out my account. Bluevine thinks it is okay to suspend your business checking account and freezing all of the businesses money over not having a phone bill to provide them. As a small business this is completely unacceptable and could potentially cause financial issues within the company. The customer service is horrendous and their own employees have no way to contact "the back office". Sham of bank. Think twice before using them, in fact, dont at all.

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  • author
    Heather Bodenhamer
    Nov 10, 2022
    Awful- avoid at all cost- go to a real bank

    Awful, every single aspect. I opened a BlueVine account for my small business so I have a couple thousands of dollars coming in and out. My first transfer was reversed after waiting days for it to go through. Apparently they switched from Bancorp to costal something and that’s why the reverse happened but then I had to wait again for the money to be transferred. I then issued an ACH transfer November 1 and was notified it was completed on November 2. The recipient kept letting me know the money wasn’t received and I was twiddling my thumbs for 7 days just to be told on November 9th the money was sent back because the account couldn’t be found. The account number and everything was correct and I’ve sent money before with my personal bank account. When I received notification that my transfer was sent back I was already 4 days late and my fee is $200 a day when late $800 in the hole because BlueVine can’t do a transfer properly. Yesterday I sent a same day wire transfer to save myself more late fees and paid $15 that I had to pay a $5 fee to even put in my account at a 711. This morning I get an email it will be processed 11/14… I’m done. Avoid this fake bank at all cost if you have a business to run and deadlines to hit. I’m in the hole $1005 for money I already had because of this bank’s inability to operate properly.

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  • author
    EBryant
    Nov 07, 2022
    Bluevine Capital not trustworthy

    In my opinion, this company is a predatory lender. I received my credit line and after using it for a few weeks and never being late with a payment, they suspend your account until you link your bank account to them for review. I have been in business for 35 years and have had many credit lines over the years. By far I would never ever trust this company and I highly recommend to seek other sources of credit.

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  • author
    Rashaude Jones
    Nov 07, 2022
    I swear this bank have had me in a jam…

    I swear this bank have had me in a jam to many times as like now. It’s take them all night to release your money one you deposit it. And that caused me to loose a lot. So I think I’m just going to find another bank.

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  • author
    Severin Jamez
    Nov 04, 2022
    Absolutely horrible experience it was…

    Absolutely horrible experience it was even suggested by their customer service rep when I was having issues with my account the rep just said why don't you just go ahead and close your account because clearly you can't figure out how to use it properly, wow amazing to me how customer service has changed in 30 years so no such thing anymore stay far away from this company especially if you're a little bit older generation like I am

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  • author
    Andrew Adamian
    Nov 03, 2022
    There is no link to unsubscribe

    Bluevine website has no link for the recipient to unsubscribe. I closed my account several months ago and I keep getting emails which are of no use for me. Since I can't unsubscribe I will just direct future communications from Bluevine to my spam folder.

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  • author
    Philip Tuan
    Nov 02, 2022
    Not clear on the interest rate

    Not clear on the interest rate. Payment drew from account not reflect to the balance for days.

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  • author
    Larry H.
    Nov 01, 2022
    They were very easy to work with and…

    They were very easy to work with and got back with an answer very quickly.

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  • author
    Mov Paddy
    Oct 27, 2022
    Amazing company and I highly recommend.

    Amazing company and I highly recommend.

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  • author
    Connect Holdings LLC
    Oct 26, 2022
    Thanks Lexie and Bluevine!

    Our Rep, Lexie Montalto, is amazing! We were approved for a business line of credit and she was there immediately after approval to answer all questions and guide us along. She made sure we understood everything in detail and walked us through our first transaction. It's clear Bluevine is a great company to work with and we look forward to working with them more! Thanks!

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  • author
    Billal
    Oct 26, 2022
    Angie is the best

    Angie is so nice and easy to work with I feel Like she is my family! Thank you for helping my business as we grow!

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  • author
    Eli Di Giammargo
    Oct 21, 2022
    Lexie is fantastic always respond my…

    Lexie is fantastic always respond my questions and also she always kept me updated on the entire process! I really recommend her

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  • author
    kesiena idahosa
    Oct 21, 2022
    Was a great experience with the…

    Was a great experience with the company, had an excellent response from Mitchell sapoff with bluevine, would highly recommend the company to other business clients.

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  • author
    Intesar
    Oct 20, 2022
    Great vision

    Great vision, great price!

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  • author
    Liz Fronk
    Oct 18, 2022
    Louis Garcia was awesome!!

    Louis Garcia was very helpful in finding the right fit of a line of credit for our business. He was prompt and knowledgable of answering all of our questions. He made our application process easy.

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  • author
    Christian Nwoye
    Oct 16, 2022
    l was a bit disappointment at the…

    l was a bit disappointment at the decision not to give me additional credit line increase. The first time l asked for an increase after other vendors solicited my interest, your rep specifically asked that l made at least six payments. l made about 6-7 and got approved for additional $10K. Now, after l made 16 payments, l came back with a request thinking along the same line of the initial advice. l could not even secure a fraction of what l request as a consolation but instead, it is like l committed a crime approaching a "supposedly" business partner that has my business interest at heart. l was not only reject but l got a ban not to attempt to make a request for the next 26 months. "How nicer could that have been" and now you want me to provide your company and your reps who participated in that obnoxiously nastily toned decision letter cookies for the efforts? Wao! l will not do that because l was insulted and despised!

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  • author
    John Carter
    Oct 15, 2022
    Excellent Financial company

    For those of you who are looking for a quick financing loan. I truly would recommend Bluevine as your lender. They're prompt, and courteous and will keep you in the loop on every step of your loan process.

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  • author
    Lonnie
    Oct 14, 2022
    Lexie was easy to deal with and…

    Lexie was easy to deal with and answered all my questions.

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  • author
    Zheng Yang
    Oct 14, 2022
    Fast and Clear.

    Glad of working with Mitch S from Bluevine. He is very responsive and professional. The whole process is very fast and clear.

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  • author
    Andy Tunatin
    Oct 14, 2022
    Easier Than a Vegas Wedding

    We were referred to Bluevine via Intuit and with three easy steps (3 bank statements, Application, and tax return) and about 30 minutes we were approved for a line of credit. Angie H called us from Baltimore MD. After lamenting the weather, and the state of the NFL's roughing the passer rules, she got down to explaining the draw process. That took about three minutes of our lives. If you have around 40 minutes of free time then this may be the best way to spend that time resource if you are looking for an easy to open, easy to manage and best of all competitively priced line of credit. I say call today... or call me if you are bored and want to discuss football, or hockey, or the weather.

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  • author
    Christopher Yates
    Oct 13, 2022
    I had an excellent conversation with Biz Development Officer, Daniel Trepel

    I had an excellent initial interview with Daniel Trepel, Business Development for Partnerships. Blue Vine does not just sign up anyone. They have excellent reviews and Daniel spent the time necessary to get to know the types of clients I originate for their wonderful small business line of credit. Daniel, great job and look forward being a special partner for Blue Vine. Christopher Yates, CEO US Trust Business Loans and Alternative Capital Funding

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  • author
    Katie A
    Oct 11, 2022
    Mitch S was very helpful

    Mitch S. was incredibly helpful as our company applied for a line of credit. He was prompt in responding, helpful when we had any questions, and provided very helpful instructions.

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  • author
    Dr. Thomas
    Oct 11, 2022
    Absolute horrible customer service

    Absolute horrible customer service. I have benign business for 14 years, have strong cash flow and a credit score above 800. I have numerous auto loans financed through the business and have not needed to cosign for anything in years. Yet Bluevine denied me based on inability to verify identity through their "electronic checks and balances." No call, no explanation...Don't waste your time with this loan shark

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  • author
    Doug Charles
    Oct 07, 2022
    Angie was extremely informative and…

    Angie was extremely informative and experienced. Excellent experience

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  • author
    Trevor
    Oct 07, 2022
    Denied

    I applied for an account and the whole process was very straightforward. I uploaded all of the documents requested but because I submitted one incorrectly, they denied my application do to "difficulty in the application process." I have an excellent credit score and there's zero reason to deny my application. I was told to "reapply." No thanks.

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  • author
    Marisela Torres
    Oct 06, 2022
    Great experience

    Angie walked me through the entire process and explained everything thoroughly. She was available to answer any questions.

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  • author
    LMH
    Oct 03, 2022
    The application and approval process…

    The application and approval process was fast and easy. Daniel, my Fund Advisor contacted me immediately to explain options and guided me through the Dashboard.

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  • author
    Heather Sherwin
    Oct 03, 2022
    Mobile check deposit didn’t …

    Mobile check deposit didn’t consistently work. Their response was basically “Dunno why and our system won’t tell us.” Since checks have to be endorsed specifically to them, that means I have to eat the time and cost to get checks reissued. I’d say they’ve been fine with direct deposit payments, but if you intend to deposit checks, pick a better company.

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  • author
    Mary Beth Dixon
    Oct 03, 2022
    Mitch Sapoff was very helpful…

    Mitch Sapoff was very helpful throughout the experience. He explained fees, payment schedules, and the process simply and accurately. I found the whole experience quick and effective. We received cash within days of application. I would recommend to other start ups and small businesses.

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  • author
    McDonald Equity Investing LLC
    Oct 03, 2022
    Great company and service

    Great company and service! Will continue to do business with them! Definitely going to grow my business with Bluevine!

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  • author
    Charles
    Oct 02, 2022
    Business Checking

    I've been using BlueVine business checking for my company for about 3 weeks now and don't have any major complaints. I ordered checks and they showed up in about a week. Everything has worked out OK so far with the website and mobile app: transfers, mobile deposits, using the debit card, writing checks and linking to my personal account. My only gripe is mobile deposits are limited to $50,000 per month so now I need a second bank. I requested an increase on the limit and their reply was basically "maybe in the future"

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  • author
    Harvey S.
    Sep 30, 2022
    Incredible experience

    Incredible experience. This company is 5 stars and had me approved for a substantial number within 24hrs.

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  • author
    RICK HARRIS
    Sep 30, 2022
    Really happy doing business with…

    Really happy doing business with blueVine. The line of credit that they provided for me really has helped out my business a lot. I would recommend blueVine to all my business associates and clients.

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  • author
    David Ultis
    Sep 29, 2022
    Read the fine..finer..finest print.

    Went through an application process for a business line of credit. Days after they directed me to take a minimum deposit they put the new account on hold and haven't answered any calls or emails back. Seems like they tempt you with postiive terms, but then use the flexible terms in their agreement to freeze you into a payment without extending the actual credit that they agreed to.

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  • author
    Ryan Garrido
    Sep 27, 2022
    DISGUSTING TERRIBLE COMPANY- RUN AWAY FROM BLUEVINE FAST!!!

    ************************************************************* TERRIBLE COMPANY DO NOT WORK WITH THEM- WILL TAKE YOUR MONEY AND NOT GIVE IT BACK WILL NOT OFFER CREDIT TERMS EVEN WHEN YOU PAY PERFECTLY - WILL STATE THAT YOU ARE STACKING EVEN WHEN YOU ARE NOT- RUN AWAY FAST!!!!!!!!! ***************************************************************** "This is the response I got from the agent- Copy and Pasted with no actual details to help the customer- Hello Ryan, After an in depth review, our underwriters have placed your account on hold for stacking. Stacking is when clients have taken out too much additional leverage with other lenders. BlueVine is a more conservative company and we want to ensure you are able to meet all of your financial obligations. We can review the account again within four weeks when the business debt is reduced or if you can provide a Zero Balance Letter. Also, when reviewing updated bank information they did see the expenses being paid out have been higher than the revenue coming into the account, leaving no room to add the additional debt obligation that would come from taking another draw. Thank you, There isn't any explanation of what trade lines might be triggering this- I haven't taken out any additional trade lines since working with Blue vine- I told the previous agent- They said a review was done by email- then I called and they told me that the review wasn't done- My experience has been subpar at best- Especially when I paid on time every payment- and you still treat me like a high risk- when you got 2K on an 8K loan and I paid it back perfectly- and always pay back perfectly- I would give a 0 if I could- I will also be leaving a 1 star Trustpilot review to let others know of my experience- Have a great day-

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  • author
    Larry E
    Sep 23, 2022
    Mitchell S - promises kept !

    Mitchell S explained the program in a professional and informative manor and the funds were available as promised within 24 hours.

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  • author
    Maria
    Sep 22, 2022
    Lending Process was Exceptional

    The process for a business line of credit is exceptional. We have worked with other banks and their lending application processes do not compare. We applied for a line of credit through Bluevine's website and received feedback within an hour. Within minutes of that approval, Mitchell Sapoff reached out to answer questions and offer his assistance. Mitchell is tenacious with his follow-up and he is methodical in moving the lending process forward. Bluevine has made our customer experience exceptional and has kept it simple; it is refreshing.

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  • author
    Blake Finley
    Sep 22, 2022
    More mobile app and website bugs than you can count

    Terrible platform with more bugs than you can count, been trying to do something as simple as deposit a check for weeks and their highest level of support is just stuck in a loop with no solutions. Would highly recommend staying far away, we wish we had. Now we're stuck with checks with "For mobile deposit at Bluevine only" written on them and no way to cash them at Bluevine or any other bank.

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  • author
    Charles McHugh
    Sep 21, 2022
    Absurdly bad customer service

    Absurdly bad customer service. The customer service Representatives have little to no information. All I can do is tell you information you already see on the app. There's no reason to call them. It takes over 2 weeks for them to issue a cashier's check through the app requesting process. They have accidentally canceled check requests through no fault of my own. They have misinformed me on several occasions. Generally awful experience all around. Took over 6 months for them to start clearing checks in 48 hours or less. They've hurt my small business.

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  • author
    Ira King
    Sep 21, 2022
    Daniel Farrell gave great Service and…

    Daniel Farrell gave great Service and really helped us get started with our Blue Vine new loan

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  • author
    LCA
    Sep 21, 2022
    Quick Process and Excellent Customer Service

    Louis Garcia was really helpful and did a great job explaining how the credit line worked. Thank you so much for the help and for the quick turnaround process.

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  • author
    Shawn McEwen
    Sep 16, 2022
    Very happy with Bluevine and its…

    Very happy with Bluevine and its employees. Great company to work with for business needs.

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  • author
    Michael Shaug
    Sep 14, 2022
    Fast & Easy

    The process was super easy to execute. Very happy with the service I received from Mitchell Sapoff. If you need capital for your business definitely look at Blue Vine.

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  • author
    Beck Vissat
    Sep 09, 2022
    Mitch S was an absolute pleasure to…

    Mitch S was an absolute pleasure to work with! I highly recommend him to anyone who's in need of financing. He was transparent and told it like it is with no games or beating around the bush. 5 stars for sure.

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  • author
    Brian C
    Sep 08, 2022
    Great experience

    Luis was very helpful and informative in providing me details with options for a business line of credit. Great service. Thank you, Brian C.

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  • author
    Reginald
    Sep 07, 2022
    Great Company

    The full experience with Bluevine has been filled with ease. From the initial application process to withdrawing funds has been seamless.

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  • author
    Meg
    Sep 06, 2022
    Small business owners beware

    As the one person owner of a small business, I chose Bluevine because it was simple, easy to use, and a seemingly great option for a business just starting out. After several months of no issues, I checked my bank account to see that Bluevine had authorized 6 highly unusual foreign withdrawals from my account and had not called or flagged them as potential fraud! I caught them within 24 hours and frantically searched for their fraud line. Their fraud center isn't linked to Bluevine and was nearly impossible to find. After finally getting them on the phone and submitting a claim, they only refunded half of the fraudulent amount (about $2k lost and only $1200 refunded). Unlike other banks that would refund the money within a week, they have a 90 day refund policy which means I've had to check in with them multiple times because they are only refunding partial amounts. I have a very bad feeling this might be a common thing with this "bank." I would highly suggest you start an account with a real bank and stay away from this operation. Too slick for its own good. **EDIT** As I looked for other reviews like my own, I noticed that the majority of the 5 star reviews are robotic and are likely fake; they mostly follow the same formula of "My advisor/representative/helper X was super helpful! Love this company"; this is honestly kind of freaky...

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  • author
    Erica Davis
    Sep 03, 2022
    This was a pretty quick and simple…

    This was a pretty quick and simple process. Louis Garcia was very helpful and clear on what they could and could not offer. I also appreciate that I have the opportunity to grow my line with Bluevine.

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  • author
    Jason Hunsaker
    Sep 02, 2022
    Best business bank ever!!

    This bank has been very helpful in setting up my accounts with Xero. Also they do not charge any fees and pay interest!! How awesome is that? Love this bank for business.

    ...

  • author
    Amar
    Sep 01, 2022
    Mitchell did a great job!

    Mitchell did a great job!

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  • author
    Connor Lamorie
    Aug 31, 2022
    If I could do 0 stars I would

    If I could do 0 stars I would. I opened a business checking with them, didn’t receive my debt card EVER after months of it being opened and after multiple requests to send it and after reaching out to customer service a number of times. They ended up closing my account without my authorization so the decision to move on from them was made for me it looks like. Highly, highly do not recommend wasting your time and effort.

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  • author
    Sophia Armstead
    Aug 30, 2022
    Bluevine is the best

    Bluevine is the best. Helpful and quick

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  • author
    Kathleen Dean
    Aug 30, 2022
    Nicholas Bond

    Thanks to Nick Bond for making the app and approval process fast and easy. Funds were deposited quickly.

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  • author
    Jonathan Grimes
    Aug 29, 2022
    Excellent Experience

    I had a great experience with Nick Gallis he was very professional and answered all of my questions. This was a seamless process and funds were available quickly. Great experience!

    ...

  • author
    William Harden
    Aug 24, 2022
    Impressed with Company!

    Daniel, was great to work with. He was prompt, knowledgeable, and friendly. I definitely recommend Daniel and Bluevine as a whole.

    ...

  • author
    John
    Aug 23, 2022
    Incredible experience

    Incredible experience. The entire process took less than a day. Mitchell was amazing every step of the way. Wow!

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  • author
    Donald
    Aug 20, 2022
    Your process is simple and fast!

    Your process is simple and fast!! I enjoy working with you.

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  • author
    Joseph Marhamati
    Aug 19, 2022
    Mitchell was incredibly helpful

    Mitchell was incredibly helpful, responsive, knowledgeable and kind in guiding us through our first experience with Bluevine. I can't recommend him enough to others who are looking to get started with the service.

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  • author
    David Murray
    Aug 16, 2022
    Oh my goodness Angie Hauser Was the…

    Oh my goodness Angie Hauser Was the best. She made the process so easy. I would recommend her and Bluevine to any of my business friends!

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  • author
    Larry Thomas
    Aug 16, 2022
    Terrible timelines for established account holders

    Bluevine has not got a system that is compatible with our outside funding source. They do not communicate via Plaid and we had to upload bank statements. All this is no problem but when we need funding quickly they take some time to get the process updated. I guess we don’t need to do business for 3 to 5 days while they update our account. I am sure we are going to seek a new funding source

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  • author
    JB
    Aug 13, 2022
    Best Advisor - Angie

    Angie my advisor, was great throughout the entire process. It was a pleasure working with her, as she made the process of getting my LOC up and running without any headaches whatsoever. I would definitely recommend working with Blue Vine. Thanks again to Angie and all of her expertise.

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  • author
    NML L
    Aug 12, 2022
    They can suddenly close your account…

    They can suddenly close your account without any notice and explanation. That is terrible! I have never seen any bank doing business this way. It is not the bank you can trust. Well, Bluevine is not the bank at all. You don't know if they will close themself suddenly someday. Don't use it.

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  • author
    theresa borgesano
    Aug 10, 2022
    Nick Gallis was very friendly and easy…

    Nick Gallis was very friendly and easy to work with. He made me feel confident I was working with a knowledgeable individual who walked me through the VERY simple process of obtaining a line of credit. Awesome experience! Thanks😃

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  • author
    American
    Aug 08, 2022
    GIVE ANGIE HAUSER A RAISE ASAP

    Give Angie a raise. Phenomenal customer service and super easy to work with!

    ...

  • author
    Chester T. Rinaudo
    Aug 06, 2022
    Nick Gallis

    Nick Gallis, GREAT TO WORK WITH, HE MADE EVERYTHING QUICK & E-Z

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  • author
    Bill Brundige
    Aug 05, 2022
    Dan the Man

    Dan had been great to work with and the process was quick, easy and efficient. As an aspiring Entrepenuer, I highly recommend if you’re looking to solve the problem of “cash flow”.

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  • author
    Blake Finley
    Aug 15, 2022
    Very poor business

    Opened a new account, set it all up, transferred our businesses funds over from the old account. Then a few days later they locked our account because they needed more paperwork. Simple things like a utility bill and EIN letter. They should either ask for these when you apply or give you a period of time to submit them. Not approve the account, let you give them all your money, and then lock you out until you upload information and then have to wait for them to review it until you're able to use your funds or pay vendors. Very poor way to do business. Update: After hours of being stuck in a pointless loop with their email and phone reps, I asked to speak with a manager who was able to use a little bit of common sense and resolve the issue extremely quickly. This company's product isn't bad, but their tier 1 support is much more likely to give you wrong information than correct information, save yourself some time and ask for a manager before wasting hours.

    ...

  • author
    Stephen Weiss
    Aug 03, 2022
    Account set-up

    My rep, Louis Garcia, was extremely helpful and made setting up the account easy and stress free

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  • author
    Josh
    Aug 11, 2022
    BlueVine will take money from your…

    BlueVine will take money from your account, claim it was a "duplicate check", force you to get bank information from your clients and then drag you through 2 months of calls and emails before they completely ignore you, the BBB and never return your money. BlueVine is an absolutely horrible bank to deal with and I implore everyone to stay as far away from them as possible if you are starting a small business. Even after you provide them a letter from your clients bank stating it is not a duplicate check, BlueVine turns into a ghost and disappears with your money. Mind you, I have only had an account for 4 months and half of the time has been dealing with this issue. Most of the 5 stars are paid, because they state the transactions are fast, they are not. It takes 4-6 days from deposits or withdrawals. UPDATE: 8/11/22 BlueVine has finally released funds back to my account after filing BBB complaint, leaving a complaint on Trust Pilot, review on their FB and the threat of Consumer Affairs complaint. It took over 2 months to resolve a fake issue that never existed. They will only take you seriously if they feel they are being exposed. BlueVine has still not provided any proof or documentation of their original claim. They then told me they called Fifth Third to confirm my rebuttal. AFTER 2 MONTHS!!! They drug me through the mud harassing my own client for their account information, when they could have simply made a phone call and solved this whole issue in 5 minutes. This company is absolute garbage and does not care about its customer, only stealing from them expecting them not to push back. BlueVine reached out to me on Trust Pilot for information, BUT NEVER RESPONDED! If you are a small business and care about your clients and revenue, DO NOT bank with BlueVine! If this is how they conduct themselves then stay away. Shady company

    ...

  • author
    Jakarone
    Aug 01, 2022
    Ghhjj

    Jjhhghjjjkii

    ...

  • author
    Genesis
    Aug 01, 2022
    If I could give a '0'

    If I could give a '0', I would! I joined in June and have yet to be able to deposit funds. I've sent screenshots, emailed support. Zero, zilch, Nada! Today? A substantial wire transfer and their MFA was a joke and I got locked out of my account with no assistance capabilities from support to be able to renew the token to get back into my account to conduct business.

    ...

  • author
    Nicholas Nassiff
    Jul 29, 2022
    I had a short term capital need to…

    I had a short term capital need to bridge my growing business. Angie came to the rescue and provided amazing customer service, attentiveness and transparency. Angie sealed the deal for me.

    ...

  • author
    Retha Bryant
    Jul 27, 2022
    BLUEVINE CLOSE MY ACCOUNT IN THE MIDDLE OF A ACH

    I HAVE HAD A ACCOUNT WITH BLUEVINE SINCE 11/2..TODAY I WAS SUPPOSE TO GET A DIRECT DEPOSIT FROM IRS AND THEY JUST SHUT MY ACCOUNT DOWN. THE MONEY I HAD IN THERE WAS FROZEN ALSO. THIS HAS CAUSED A MAJOR HARDSHIP NOT ONLY ON ME BUT MY BUSINESS AND MY FAMILY. I REALLY THINK THIS IS NOT A GOOD WAY TO DO BUSINESS. IF YOUR GONNA CLOSE A ACCOUNT AT LEAST GIVE THE COUERSTY THEY GET THE MONEY THAT I HAVE IN THERE OUT. I HEARD HORROR STORIES ABOUT BLUEVINE ON THE INTERNET AND SO MANY PEOPLE HAVE GONE THROUGH THE SAME EXACT THING

    ...

  • author
    Janice
    Jul 27, 2022
    Very impressed with the prompt response…

    Very impressed with the prompt response and awesome customer service. Daniel was professional, patient and knowledgeable. It is a pleasure doing business with this company.

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  • author
    Nadine Molina Monico
    Jul 26, 2022
    Quick Response and Turnaround Time

    Angie helped with my funding. She responded very quickly and resolved and questions or issues quickly and efficiently.

    ...

  • author
    Steve Tarnish
    Jul 26, 2022
    Simple

    Simple and easy process. Backed by a great bank, Coastal Community, that I use for my personal banking (One Finance).

    ...

  • author
    K & K
    Jul 21, 2022
    Daniel went about and above to get me…

    Daniel went about and above to get me approved. Very patient and was very helpful in explaining the business line of credit. Thank you Daniel!

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  • author
    Wendy Sanchez
    Jul 21, 2022
    Bluevine are thieves!

    I do not typically like to give reviews be it positive or negative but I have to share my ongoing experience with Bluevine. I have to say starting out all was well. I waited several months for them to start taking applications thats how much I wanterd to have an account with them and the application and account overall have not been an issue. This is until my phone was stolen along with my debit card and almost $18k drained from 3 bank accounts and 2 credit cards within less than 48 hours. I will tell you i never realized how much of our lives are on our cell phones until this took place and a lock on my phone which I protested before has become the only way of life which is so sad. Regardless facts are once I realized what had happened I immediately cut the phone, reported the issue to all the banks and cards hit by this fraud and filed a police report. I worked endlessly to pull together all the information I could as backup to assist all in this investigation and sent it all in to all effected. Because of so many charges multiple disputes were made (all effected but speaking of Bluevine now) All disputes got all the same investigated information equaling out to over 50 pages. Short story is Bluevine approved one of the disputes and denied 2 while some are still outstanding. They sent a letter on the 2 denials stating they had thoroughly invetigated the disputes and found no error occured DENIED while the other they approved all disputes having the same information, done on all the same days yet somehow they can approve one and deny 2, very odd. I asked them to send me the information they used to thoroughly investigate my claimes which of course I am expecting all my backup. Well one you can only email with someone in the fraud department so never can I actually have a one on one conversation, and it took over 2 weeks and multiple emails demanding the information before I got 3 pages of numbers with no relevance to my claim and none of the backup I sent was even mentioned. Someone please help me understand approval for one denial for 2 irrelevant papers to their thorough investigation and they just go silent and say this is final. Well its not final im still fighting for close to $7k but I wanted to ensure the public knew how they conduct themselves when their clients lives are turned upside down with no concern about them or their money. Shame on Bluevine for treating their clients as the thieves! If anything Bluevine is just as bad as the people who commited the fraud. NO HELP, NO CARE, NO SATISFACTION.

    ...

  • author
    Mike Carlisle
    Jul 20, 2022
    Applying for a line of credit was…

    Applying for a line of credit was extremely simple and easy. Mr. Daniel Farrell was very understanding of the product my company was looking for and was helpful when we encountered a minor glitch at the beginning of the process.

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  • author
    Ken
    Jul 20, 2022
    Excellent service

    Excellent service. Painless application. Very pleased.

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  • author
    quebolas oficial
    Jul 20, 2022
    Fast process, fair terms, great service.

    The whole process to obtain the business credit line was smooth. First I filled out a form and a few hours later I was on the phone with Daniel Ferrel who did a quick phone interview just to understand my business model and reason for the line of credit. He was very kind and helpful to answer all my questions. The next day the credit line was already approved to the amount required with very fair terms. I’m glad I was able to find Bluevine and Daniel. Will continue to use them for all future needs.

    ...

  • author
    Sergio Alejandro Parra
    Jul 19, 2022
    Angie made BlueVine be a great experience for me and I wouldn’t look elsewhere for any small business need

    Angie was great throughout the whole process. She was very clear and very detailed in explaining everything to me! I would love to keep working with her!

    ...

  • author
    Cheyan DuVal
    Jul 18, 2022
    Over $2k stolen in less than 2 months, has yet to be returned to me.

    Since June I've had over $2000 stolen out of my account, and Bluevine is dragging their feet on investigating the issue. June 2nd I had $1,250 stolen over the course of 8 transactions in varying amounts. Then again on 7/16 another $1,010.27 was stolen in the middle of the night. I've disputed everything, called multiple times to get updates, and try to move things along, but Bluevine is dragging their feet, and keeps dodging questions I have and my requests to speak to people in supervisor roles. I just want my $2,260.27 Back so I can close my account. This seems to be a security issue on their end. In 15+ years of banking, I've had one incident of fraud, which was resolved within a week. Two incidents of fraud with Bluevine in less than two months is absolutely unacceptable, and tells me they are incapable of keeping my money safe.

    ...

  • author
    George Blackstone
    Jul 18, 2022
    I worked with Angie from Bluevine

    I worked with Angie from Bluevine. I had inquired about a line of credit but did not necessarily need it. However, it can't ever hurt to have access to an additional line of credit. Angie walked me through the application process and helped me set up my login and dashboard, which was pretty straightforward. I highly recommend Bluevine to anyone looking for a loan or credit needs.

    ...

  • author
    Tina Hertzel
    Jul 17, 2022
    Process for Establishing our Line

    The process for establishing our Line of Credit was extremely easy. Mitch S was not only professional, knowledgeable and efficient his personality made the entire process enjoyable.

    ...

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