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Last updated: Mar 2026

Bluevine Vs. Relay

Bluevine and Relay are two of the leading checking account providers for businesses, offering a range of financial services. Find the right fit for your business by comparing their features & benefits.
Feature Breakdown
Recommended
1

9.3

Visit Bluevine
1

9.0

Visit Relay
General Details
Monthly Fee

$0

$0

APY

Up to 3.00% APY on all funds deposited in checking account. *Up to $250K for accounts who spend 500$ via debit or receive 2500$ monthly

1% – 3% APY

Physical Checks

2 free checkbooks orders per year

Banking Partner

The Bancorp Bank, Member FDIC

Evolve Bank & Trust and Thread Bank; Members FDIC

Editorial Score
score-ring.svg

9.3

9.0

Features
Debit Card

Free debit card is delivered within 10 working days

Up to 50 individual cards

Credit Card
Credit Line
Check Deposit
Business Payment Integrations

Stripe, PayPal, Wise, Venmo, and Expensify

PayPal, Venmo, Stripe, Plaid, and Square

3rd-party Integrations

Quickbooks, Xero and Wave

Quickbooks and Xero

Fees & Charges
Monthly Fee

$0

$0

Minimum Balance

$0

$0

Overdraft Fees

$0

$0

Domestic Wire Fees

$15

$5
(Free with Relay Pro)

International Wire Fees

Incoming: $0
Outgoing: $15

$10
(Free with Relay Pro)

ATM Withdrawal Fee

Free on MoneyPass ATMs, $2.5 fee on out-of-network ATMs

Full ATM fee reimbursement

Bottom Line

Winner!
1
1
Editorial Score

9.3

9.0

Key Advantages

Bluevine stands out as the clear winner with its compelling value proposition and high intreat rates. Bluevine will work well particularly for businesses in need of credit lines. It provides customized financial solutions that align with various business dynamics, ensuring a banking experience that is both convenient and adaptable.

Visit Bluevine

Relay stands out with its user-friendly interface, customizable workflows, and automation capabilities, it optimizes efficiency in financial operations, preserving valuable time. Relay’s focus on user experience proves to be the ultimate banking solution for small businesses seeking to stay ahead in the digital age.

Visit Relay