banking built
for independent 
businesses
banking
built for
independent
businesses
Manage accounts, books, payroll, credit
and more with $5M FDIC-covered.
Open a FREE account in 10 minutes.
Send free invoices, and let automatic reminders do the chasing. Get paid by card or link, and pay vendors by ACH, wire or check.
Money in
| Description | Qty | Amount |
|---|---|---|
| Project feePhase 2 of 3 | 1 | $3,600.00 |
| Additional days$420.00 per day | 3 | $1,260.00 |
Money out
Run the Nov 28 payroll by Nov 26, 5:00 PM PT
Run payroll in a few taps for W-2 employees and 1099 contractors, right from your Novo checking. No more losing an afternoon to it.³
Pay your employees · W-2
Pay your contractors · 1099
Purchases are categorized automatically, and a cut of every deposit can be set aside for taxes. When tax season hits, file right in Novo, free for eligible businesses.⁴
That's 20x the standard $250,000. Eligible deposits are insured through our partner bank and its sweep network.¹
Enter the 6-digit code we sent to (•••) •••-0418
Earn up to 2% cash back⁷ on every eligible purchase with the Novo Business Credit Card. No annual fee, no cap on rewards, no gotchas.⁸
Cash back
Partner discounts
QuickBooksUp to 30% off
TurboTax20% off
Dropbox20% off
Slack25% back
Microsoft Advertising5% back
Booking.comUp to 7% off
Avis & Budget5% cashbackAlways working, right inside your account. Ask about any transaction or invoice, get the answer from your own numbers, then jump straight to the screen to act on it. It never moves money on its own.⁶
Every dollar counts when you're running a business. That's why we work hard to offer the same quality products and services for less. No compromises, no unnecessary costs – just a genuine commitment to helping your business grow. We take our efficiencies and pass them on as savings to you and wherever possible, we'll even cover the fees to save you more.
Money in
| Description | Qty | Amount |
|---|---|---|
| Project feePhase 2 of 3 | 1 | $3,600.00 |
| Additional days$420.00 per day | 3 | $1,260.00 |
Money out
Run the Nov 28 payroll by Nov 26, 5:00 PM PT
Customer since 2025
“Novo solved the challenges I faced as a new business, with QuickBooks integration, easy bank transfers, mailed checks, and invoicing. It’s been simple and seamless without a single issue.”
Customer since 2022
“Novo simplified everything. The interface is clean, setup was easy, and I can always see what’s happening with my finances. It just works in the background, so I can focus on growing my business.”
Customer since 2025
Choosing a small business bank felt overwhelming. I needed something simple, with quick access to funds and easy budgeting. Novo stood out for being user-friendly and having fast, reliable support when I needed it.
Customer since 2022
I wish my personal bank had 1/10th of Novo's functionality. It keeps everything organized — receipts, P&L statements, payments, and more. Vendors are always surprised by how easy and fast the payment request feature is. It says a lot!
Customer since 2021
Novo has completely simplified how I manage my business finances. I can track cash flow in real time, organize expenses, and move money fast. No delays, no friction. It keeps me focused on clients instead of fighting with outdated banking.
Stop juggling logins. Link your other banks and cards, accounting software and AI assistants, and see it all in Novo.
Wells Fargo
New York Community Bank
Amex
QuickBooks
Xero
Dropbox
Novo MCPNovo Business Loan. Skip the fees other lenders tack on. There are no application or origination fees, and no penalty for paying it off early. Your interest goes down with every payment, and you see your whole cost before you accept.⁹
Novo Funding. Turn it on when you need it. Draw just the amount that works, pay only for what you use and see your fees up front.⁸ No strings left hanging.
If you're eligible, your offers show up right in your Novo account. No hunting for lenders, and no filling out application after application.
We look at your credit score, but also the real activity in your account:
The more you run through Novo, the more doors can open.
Reminders that chase invoices, money set aside before tax time, credit offers that come to you. All with no monthly fees and no minimums.
