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Last updated Nov 2025

Relay Vs. Bluevine

Relay and Bluevine 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

9.5

Visit Relay
1

9.3

Visit Bluevine
General Details
Monthly Fee

$0

$0

Checking Account

Up to 20 individual checking accounts

1 checking account + 5 virtual sub-accounts

Savings Account

Up to 3%

Banking Partner

Evolve Bank & Trust® and Thread Bank; Members FDIC

The Bancorp Bank, Member FDIC

Editorial Score
score-ring.svg

9.5

9.3

Credit Card
Fees & Charges
Monthly Fee

$0

$0

Minimum Balance

$0

$0
(Must spend $500 per month to qualify for APY)

Overdraft Fees

$0

$0

Domestic Wire Fees

$5
(Free with Relay Pro)

$15

International Wire Fees

$10
(Free with Relay Pro)

ATM Withdrawal Fee

Full ATM fee reimbursement

Free on MoneyPass ATMs, $2.50 fee on out-of-network ATMs

Features
Debit Card

Up to 50 individual debit cards with customizable spending limits

1 physical card included

Credit Line
Check Deposit
Cash Deposit

Available with a $4.95 fee per deposit

Same-day ACH

With Relay Pro

3rd-Party Integrations

QuickBooks, Xero, Gusto, Plaid, and Yodlee

QuickBooks, Xero and Wave

Bottom Line

Winner!
1
1
Editorial Score

9.5

9.3

Key Advantages

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

Visit Relay

Bluevine stands out with its compelling value proposition, 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