Side-by-side comparison
Bluevine Business Checking vs Relay Business Checking 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
Relay · Business Checking
Relay is a no-fee online business banking platform designed for small businesses. It offers up to 20 individual checking accounts for profit-first budgeting and team expense management.
Best for: Small businesses using profit-first method
| Metric | Bluevine Business Checking | Relay Business Checking |
|---|---|---|
| Monthly Fee | Free | Free |
| Free Transactions | 5000/mo | 5000/mo |
| Min. Opening Deposit | $0 | $0 |
| APY | 1.3% | - |
| FDIC Insured | Yes | Yes |
| Integrations | 10+ | 15+ |
| Rating | 4.3/5.0 | 4.5/5.0 |
| Feature | Bluevine Business Checking | Relay Business Checking |
|---|---|---|
| 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
Up to 20 free checking accounts for budget allocation, plus unlimited free ACH transfers and great QuickBooks integration.
Best for: Small businesses using profit-first method
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.
Relay Business Checking has the most features in this comparison with 7 out of 11 tracked features.