What happens to your Bluevine accounts when you die
No beneficiary or trust option on any account, so they pass through the estate
Bluevine does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All Bluevine accounts pass through the estate at death and may require probate.
When an account holder dies, the executor or administrator will need to contact Bluevine with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.
Bluevine does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.
Required Documents
- Business name, EIN and account details (on the call). The representative uses them to look up the entity type on file
Why trust accounts are not available
Bluevine does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.
Bluevine Business Checking (Standard)
No monthly fee. Business-only checking account held at Coastal Community Bank, Member FDIC. Earns yield on balances up to $250,000. Unlimited transactions. Up to 5 sub-accounts, each with its own account number under one shared routing number. Includes Bluevine Business Debit Mastercard. FDIC insured up to $3,000,000 through Coastal Community Bank and the program-bank sweep network. The application asks the owner to pick one of four entity types -- sole proprietorship; corporation, LLC, or LLP; partnership; nonprofit corporation -- and a trust is not among them. The Deposit Account Agreement carries no payable-on-death, beneficiary-designation, or death-of-owner provision at all, so estate handling runs through the business succession structure rather than POD or trust mechanics.
Bluevine Business Checking (Plus)
Premium business checking tier. $30 monthly fee, waived only when BOTH an average daily balance of at least $20,000 across the account and its sub-accounts AND at least $2,000 of monthly Bluevine Business Debit Mastercard spend are met -- an estate that freezes card spending after a death will lose the waiver even if the balance qualifies. Higher yield tier on balances up to $250,000. Up to 10 sub-accounts. 20 percent off most Standard payment fees. FDIC insured up to $3,000,000 through Coastal Community Bank and the program-bank sweep network. Business-only -- a trust is not an eligible entity type.
Bluevine Business Checking (Premier)
Top business checking tier. $95 monthly fee, waived only when BOTH an average daily balance of at least $100,000 across the account and its sub-accounts AND at least $5,000 of monthly Bluevine Business Debit Mastercard spend are met. Highest published yield tier, applied to all balances with no cap. Up to 50 sub-accounts (raised from 20; confirmed on the plans-and-pricing comparison table 2026-09-10). 50 percent off most Standard payment fees, priority customer support, and ACH positive pay. FDIC insured up to $3,000,000 through Coastal Community Bank and the program-bank sweep network. Business-only -- a trust is not an eligible entity type.
Bluevine Payments & Invoicing
Integrated invoicing and payment acceptance powered by Stripe. Accepts ACH direct debit, credit/debit cards, and digital wallets. Includes payment links, estimate-to-invoice conversion, and real-time tracking in the Bluevine dashboard. Payment processing is tied to the underlying business entity; estate succession follows the business entity structure.
What Bluevine says about beneficiaries and trusts
Each section is Bluevine's own statement, with the document it comes from numbered under Sources.
Which accounts take a beneficiary1
- Business account
Bluevine is a business-only banking platform with no consumer deposit product, so consumer payable-on-death mechanics do not apply to it.1
Which accounts a trust can hold1
- Business account
A trust cannot be the Account Owner. The application offers four entity types: sole proprietorship; corporation, LLC, or LLP; partnership; and nonprofit corporation.3
A trust-owned LLC or other trust-owned eligible entity can bank at Bluevine, because the account is opened in the name of the business entity and the trust owns its membership interests.3
The Account Owner must "Be a natural person" and "Be the owner of the small- or medium-sized business intended to use the Account".1
What Bluevine says about trust accounts1
- Whether a new account is opened
Bluevine does not offer a trust-titled deposit account.3
Accounts handled elsewhere1
- Coastal Community Bank
Bank of record for Bluevine deposit accounts; payable-on-death availability would be set by it2
Not in Bluevine's published guidance3
- A beneficiary form to download
- An online way to name a beneficiary
- Terms in its agreements for a beneficiary designation
Sources4
- 1.Deposit Account Agreement, effective February 12, 2026
- 2.Contact us
- 3.How to apply for a business checking account
- 4.Verify your business address
Sources
Data sourced from Bluevine primary sources (26 pages reviewed). How we research.
Download these Bluevine instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against Bluevine primary sources. Bring it to the branch or keep it beside the phone.
Bluevine estate support
Customer Support
Phone
Toll-free
Hours
Mailing address
Website
Estate requests go through general customer service.
Estate planning articles
Learn how to protect your Bluevine accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
New Baby or Adoption
Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.
Learn more
Marriage
What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.
Learn more
New Home
How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.
Learn more
Retirement
Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.
Learn moreForms for Planning Your Estate
Free forms for planning your estate: a will, living trust, pour-over will, both powers of attorney, living will, and TOD deed.
Revocable Living Trust
Create a revocable living trust to avoid probate, protect privacy, and control asset distribution.
Last Will and Testament
Name your heirs, guardians, and final wishes. Free for every state.
Transfer on Death Deed
Transfer real property to a beneficiary upon your death without probate. Available in 34 states and the District of Columbia.
Tools for Planning Your Estate
Free tools for planning your estate: what a will or trust costs, whether you need a trust or TOD deed, and how documents are signed.
How Much Does a Revocable Living Trust Cost?
Compare revocable living trust costs across providers including online services and attorneys.
How Does SimplyTrust Compare to LegalZoom, Trust & Will, and Other Services?
Compare what it costs to make a trust official across SimplyTrust, LegalZoom, Trust & Will, Rocket Lawyer, and Quicken WillMaker.
Do I Need a Revocable Trust?
Find out if a revocable trust makes sense based on your state, estate value, and family situation.
Trust or Will: Which Costs Less?
Compare the cost of probate vs a trust for your state and estate value.
What Does Estate Planning Actually Cost?
Compare costs across estate planning providers including online services and attorneys.
How Much Life Insurance Do I Need?
Calculate your life insurance needs based on income, debts, and family situation.
