Bluevine vs Spendtrails

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.

See where your money goes. Plan a month that fits. Keep your next bills and savings goals in view. Spendtrails brings your accounts, recorded spending, income and monthly plans together in one clear view. Use it for a quick daily check or a closer look at the details behind a number. PLAN YOUR MONTH Choose a monthly spending limit, set category limits and record expected income. See what you have used, what remains and which categories are over their limits. Copy a plan to the next month and adjust it as life changes. UNDERSTAND YOUR SPENDING Explore spending by category and compare periods. Search and filter your activity, review uncategorized purchases, split a transaction across categories and correct its description or category. Keep income, refunds and transfers distinct so your records tell a clearer story. SEE YOUR ACCOUNTS TOGETHER Track checking, savings, cash, credit cards, loans and investments. Record accounts manually or connect a supported bank through Plaid where available. See balances, amounts owed and net worth across included accounts, with history and transaction details close at hand. KEEP BILLS IN VIEW Track recurring bills, subscriptions and income. See upcoming due dates, set reminders and mark an occurrence paid, received or skipped. Recording a payment in Spendtrails does not make a bank payment or cancel a subscription. FOLLOW YOUR SAVINGS GOALS Set a target, record contributions and follow your progress. Track a goal through entries or link it to an account balance. Goal progress is a record of your progress, not money reserved in a separate account. MAKE THE VIEW YOURS Choose what appears first on Home, show or hide sections and use light or dark appearance. View each currency separately without treating different currencies as one converted total. SHARE SELECTED ACCOUNTS Use separate logins for your household and choose which accounts to share. Access your finances on your iPhone and iPad with the same Spendtrails account. TRY THE DEMO FIRST Explore a populated fictional household without signing in, connecting a bank or making a purchase. Add sample transactions, change a budget and explore bills and goals. Sample edits stay on your device. Reset the demo or exit when you are ready to use your own finances. A Spendtrails account is needed to track your own finances. Bank availability depends on your institution and region. Some features require an active subscription. SUBSCRIPTIONS Where subscription purchase is offered, the purchase screen shows the price, billing period and any introductory offer before you subscribe. Subscriptions renew automatically unless canceled through your store account settings. Trials apply only when offered and you are eligible. Manage or cancel a store subscription through your store account settings. Privacy: https://www.spendtrails.com/privacy Terms: https://www.spendtrails.com/terms Support: https://www.spendtrails.com/contact