Comparison

Bluevine vs Centrust Bank

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Bluevine

This app offers a digital banking experience for businesses, allowing users to manage cash flow, pay bills, and deposit checks from their phones. It provides features like earning interest on balances, no monthly fees, and the ability to create multiple sub-accounts for budgeting.

Highlights
  • Digital business checking account
  • Manage cash flow and transactions
  • Pay bills and deposit checks
  • Earn competitive interest on balances
  • No monthly or overdraft fees
  • Create up to 20 sub-accounts for budgeting
  • FDIC insured up to $3,000,000
Features
Read full description

Bluevine Business Checking is a premier checking account thoughtfully designed for a simple, all-in-one digital banking experience. The Bluevine Business Checking app lets you manage cash flow, pay bills, track transactions, and deposit checks right from your phone. EARN MORE INTEREST * Eligible customers can earn competitive interest on balances up to $3 million with one of our business checking plans. NO MONTHLY FEES Make all the deposits or payments you need with no limit on your number of transactions.** Plus, you can save with no monthly or overdraft fees and no minimum opening deposit or balance requirements. BUDGET BETTER WITH MULTIPLE ACCOUNTS You can now manage up to 50 sub-accounts so you can easily budget for taxes, payroll, and more. Each sub-account comes with a designated account number so you have more control over your finances.*** BANK FROM ANYWHERE Deposit checks, transfer funds, and pay bills from your mobile device. You can also deposit or withdraw funds at 37,000+ in-network MoneyPass locations nationwide.**** ADVANCED SECURITY Bank with confidence and peace of mind. Your Bluevine account is FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. We protect your Bluevine account with industry-leading security protocols. For example, you can instantly lock your debit card if you lose or misplace it. For more information, visit https://www.bluevine.com/ccbx-checking-agreement/ BLUEVINE IN THE NEWS “No one that we know is building or has built a bank designed and built specifically for small businesses. And that is what we’re doing.” -Banking Dive LEGAL DISCLOSURES Bluevine is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and our program banks. The Bluevine Business Debit Mastercard® is issued by Coastal Community Bank, Member FDIC pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Bluevine Privacy Policy: https://www.bluevine.com/privacy-policy/ Coastal Community Bank Privacy Policy: https://www.coastalbank.com/privacy-notice.html *Premier and Plus plan customers automatically earn interest on their available balances. Standard plan customers will earn interest on their available balances if they meet an eligibility requirement as detailed in the Bluevine Business Checking Account Agreement, https://www.bluevine.com/ccbx-checking-agreement. Bluevine Plus and Standard customers will earn interest on total Bluevine Business Checking balances up to $250,000. No interest earned on balances over $250,000. Bluevine Premier customers will earn interest on total Bluevine Business Checking balances up to $3,000,000. No interest earned on balances over $3,000,000. Any interest accrued and payable for an account or sub-account will be paid to your main account. **No limit on the number of transactions. However, checking accounts are subject to the monthly deposit and withdrawal amount limits of the user agreement: https://www.bluevine.com/ccbx-checking-agreement/. ***Sub-accounts can only be opened on the desktop or mobile browser version of the Bluevine Dashboard experience. ****Bluevine charges a $2.50 fee for ATM transactions outside of the MoneyPass® network. Additional third-party ATM fees may vary by ATM operator.

About

Centrust Bank

Manage your finances on the go with this mobile banking app. Instantly access account details, check balances, and transfer funds securely and conveniently. Enjoy free, anytime access to your banking needs.

Highlights
  • Instant account access
  • Check balances
  • Transfer money
  • Secure transactions
  • Free mobile banking
Read full description

Access all your account information instantly from the palm of your hand with Centrust Bank's new mobile banking app. Get fast, secure and free access to your accounts anytime, anywhere. Check your balances, transfer money and more!

Screenshots

Bluevine4 screens
Centrust Bank4 screens

Verdict

The call

The clearest difference is rating: Bluevine at 4.7 against Centrust Bank's 3.8. Bluevine also leads on update cadence (fortnightly vs every 6 months) and ratings volume (4.3K vs 8). Centrust Bank's advantage is iOS requirement (15.0 vs 17.4). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Bluevine holds the better App Store score, 4.7 against 3.8. That said, the two scores are not equally well evidenced: Bluevine has 4.3K ratings behind it against 8, so its average is the more settled of the two.

UpkeepUpdate frequency

Bluevine ships an update fortnightly, Centrust Bank every 6 months. Both last shipped on October 24, 2026.

Scorecard5 real differences · 5 level
Bluevine versus Centrust Bank: the parameters behind the verdict, then further details
ParameterBluevineCentrust Bank
PriceFreeFree
Rating4.7 (4.3K ratings) — better3.8 (8 ratings)
Positive reviews20.3% of reviews—
Number of ratings4.3K — better8
Update frequencyFortnightly — betterEvery 6 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone, iPod — better
Requires iOS17.415.0 — better
Further details — not scored
Size135 MB43 MB
Age rating4+4+
DeveloperBluevine CapitalSmartbiz Bank, N. A.

Customer experience

Bluevine

All ratings4,311 ratings
Positive91.1%
Neutral2.2%
Negative6.7%
Written reviews197 reviews
Positive20.3%
Neutral4.6%
Negative75.1%

Centrust Bank

All ratings8 ratings
Positive62.5%
Neutral12.5%
Negative25.0%

Bugs and requests

Bluevine

Reported bugs

3 issues
  • Mobile check deposit failures
  • Inconsistent app performance
  • Account access and login problems

Requested features

4 requests
  • Faster check deposit processing
  • Improved customer support and communication
  • Seamless integration with other financial apps
  • Expanded deposit and withdrawal options

Centrust Bank

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Bluevine

No in-app purchases

None

Centrust Bank

No in-app purchases

Questions

Is Bluevine free?
Bluevine is free to download, with no in-app purchases.
Is Centrust Bank free?
Centrust Bank is free to download, with no in-app purchases.
Which has better reviews, Bluevine or Centrust Bank?
Bluevine is rated higher. Bluevine averages 4.7 out of 5 from 4.3K ratings, while Centrust Bank averages 3.8 from 8 ratings.
Do Bluevine or Centrust Bank have ads?
Neither Bluevine nor Centrust Bank shows ads.
Which is updated more often, Bluevine or Centrust Bank?
Bluevine ships an update fortnightly, and Centrust Bank every 6 months. Most recently, Bluevine was updated on October 24, 2026 and Centrust Bank on October 24, 2026.

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