Bluevine: who holds your money
Bluevine is not a bank. Bluevine says customer money is held at Coastal Community Bank, with insurance reaching customers as pass-through FDIC insurance at the partner bank, subject to the app's recordkeeping. We read this information in the app's own public disclosure on September 5, 2026, and this page quotes that disclosure below. You can check each partner bank's own page on this site.
Bluevine is not a chartered bank, and customer money sits at Coastal Community Bank, which has letter C on this site. Federal deposit insurance reaches customers through the bank, provided Bluevine’s records identify each customer. The stated limit is $250,000 per depositor, per insured bank, for each account ownership category. This reflects Bluevine’s disclosure read on September 5, 2026.
Partner banks
- Coastal Community BankFDIC #34403 · program bank27.4%above the insured limitC21.4
The figure is the share of total bank deposits above the $250,000 federal insurance limit, reported quarterly to the FDIC. High shares are normal for banks holding large app program balances. They do not mean your balance is uninsured: pass-through insurance usually covers customers individually at the partner bank. Across US banks in 2022 to 2026, those above roughly 36% saw large quarterly total deposit declines more often than those below. Most banks above that level saw no such fall. This measures deposit movement and does not predict trouble for any bank.
Disclosure
Bluevine is a financial technology company, not a bank. Bluevine deposits are FDIC-insured through Coastal Community Bank, Member FDIC
www.bluevine.com · as of September 5, 2026
Bluevine also names an unlisted set of program banks for balances above $250,000; only the named bank is recorded.