Side-by-side comparison
Bluevine Business Checking vs Live Oak Business Savings comparison on Luminxo. Compare fees, features, and transaction limits to find the right business bank account.
Bluevine · Business Checking
Bluevine offers a high-yield business checking account with 2.0% APY on balances up to $250,000. No monthly fees and no minimum balance requirements make it ideal for growing businesses.
Best for: Businesses wanting to earn interest on idle cash
Live Oak Bank · Business Savings
Live Oak Business Savings offers one of the highest APYs for business savings accounts at 4.00%. No monthly fees and only $1 minimum deposit. FDIC insured.
Best for: Businesses wanting to earn top interest on reserves
| Metric | Bluevine Business Checking | Live Oak Business Savings |
|---|---|---|
| Monthly Fee | Free | Free |
| Free Transactions | 5000/mo | 6/mo |
| Min. Opening Deposit | $0 | $0 |
| APY | 1.3% | 4% |
| FDIC Insured | Yes | Yes |
| Integrations | 10+ | 0+ |
| Rating | 4.3/5.0 | 4.5/5.0 |
| Feature | Bluevine Business Checking | Live Oak Business Savings |
|---|---|---|
| Mobile App | ✓ | ✓ |
| Mobile Deposit | ✓ | ✓ |
| Cash Deposits | ✗ | ✗ |
| Physical Branches | ✗ | ✗ |
| ACH Transfers | ✓ | ✓ |
| International Wires | ✗ | ✗ |
| Accounting Integrations | ✓ | ✗ |
| Sub-Accounts | ✗ | ✗ |
| Invoicing | ✗ | ✗ |
| Debit Card | ✓ | ✗ |
| Check Writing | ✓ | ✗ |
One of the few business checking accounts that pays meaningful interest, with no hoops to jump through. Straightforward, no-fee banking.
Best for: Businesses wanting to earn interest on idle cash
Among the highest business savings APYs available, with no fees and an extremely low $1 minimum. Great for parking business cash reserves.
Best for: Businesses wanting to earn top interest on reserves
The biggest tradeoffs are monthly fees, free transactions, and the features included. This page compares those factors directly so you can choose the right fit for your business.
Bluevine Business Checking has the lowest monthly fee in this comparison at free.
Bluevine Business Checking has the most features in this comparison with 6 out of 11 tracked features.