Bluevine vs ColdCart

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.

Ever opened a package and thought, "why did I buy this?" ColdCart is the pause button between "I want it" and "I bought it." See something tempting? Don't fight the urge — freeze it. Add it to ColdCart, pick a cooldown from 24 hours to 7 days, and let the craving thaw. When the timer ends, you decide with a clear head: buy it guilt-free, or skip it and put that money toward something you actually care about. Cheering you on is Pip, your soft-hearted wallet mascot. Pip celebrates every resisted purchase and never, ever shames you when you decide to buy. No lectures. No guilt. Just a little space between impulse and checkout. HOW IT WORKS • Freeze it — capture the thing you're tempted by and choose a cooldown (24 hours to 7 days) • Shield the source — while a freeze is active, ColdCart can shield the shopping apps you choose using Apple's Screen Time controls, so "just browsing" doesn't turn into "order confirmed" • Decide later — when the cooldown ends, buy it or skip it. Either way, you chose on purpose • Reflect — a quick decision journal helps you spot what triggers your impulse buys MORE WAYS TO STAY COOL • Block tab: block shopping apps on daily schedules or time limits, even without an active freeze • Savings goals: every purchase you skip funds a goal you set — watch a vacation, a debt payment, or an emergency fund grow from money you almost spent • Wallet-health score: a friendly 0–100 score that reflects how your spending habits are trending • Widgets and Live Activities: watch your cooldown count down right on your Home Screen and Lock Screen • Emergency access: really need that app right now? A deliberate hold-to-unlock gives you a way through — with just enough friction to make sure it's really you deciding PRIVATE BY DESIGN No account. No sign-up. Your freezes, decisions, reflections, and goals stay on your device. The apps you choose to shield are handled by Apple's Screen Time framework and are never visible to us. We receive only anonymous purchase data (to manage subscriptions) and anonymous usage analytics — never your identity, never your shopping list. COLDCART PRO The free version lets you run 1 active freeze at a time. ColdCart Pro unlocks unlimited freezes and the full experience for $3.99/month or $29.99/year, with a 7-day free trial on the annual plan. Prices may vary by region. Your future self already knows which purchases were worth it. ColdCart just gives them a say. Questions or ideas? We'd love to hear from you: support@coldcart.app Privacy Policy: https://coldcart.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/