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For online payments or payments via invoice, Square charges a fee of 2.9% + $0.30 per transaction. (If you're signed up for the Premium plan, the percentage fee is lower at 2.6%.)
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f you’re currently using Bluevine as your online banking solution and feeling a bit blue about its performance, then a switch to Novo could be in order. In fact, the right banking platform can significantly impact your small business’s success. That’s why it’s crucial to find a business banking platform you can rely on that is built specifically for your unique needs.

While other banking platforms hold on to outdated banking practices, Novo is setting the new standard. Here are 10 Novo features that help businesses streamline their financial management and position themselves for growth and long-term success.

Why Novo is a Great Alternative to Bluevine

Free, simple, and secure banking, built for small businesses

A digital banking platform doesn’t have to be complicated or expensive (though plenty are). 

With no monthly maintenance fees, no hidden transaction fees, or minimum balance requirements, Novo is small-business friendly right from the start. 

Novo is also designed to be accessible. In fact, to open a business account, you only need a social security number, U.S. address, and U.S. phone number. Depending on the state your business is registered in, additional information and documents may be required, but nearly any legal business can open a Novo account. 

With FDIC insurance and bank-level encryption through our banking partner Middlesex Federal Savings, F.A., you can also be confident your money is protected, up to $250,000.

Superior integration with essential business software

While Bluevine does offer a QuickBooks integration, (which is also available with Novo), your free Novo checking account also unlocks more than a dozen other native integrations, plus over one thousand connection options with leading small business software. 

Here are several of our most popular and easy integrations that can help you streamline essential workflows for your business: 

  • QuickBooks
  • Stripe
  • Square
  • Shopify
  • Xero
  • Wave
  • Zapier

The integrations offered in our App Marketplace are available to all Novo customers, and we do not charge for access to any of our integrations. Learn more about how Novo can simplify work processes with diverse integration capabilities

Unlimited professional invoices 

As the owner of a Novo checking account, you can create and send an unlimited number of personalized invoices for free. Invoices can be customized with your logo and allow recipients to pay by ACH or credit card. 

In addition, you can quickly track invoices and send follow-up reminders for past-due accounts with a simple click. This feature makes it easier than ever for small businesses to get paid on time and at no cost. 

Access revenue in hours instead of days

Faster cash flow is key for the flexibility and growth of any small business. One of Novo’s most unique offerings is Novo Boost, a free feature that speeds up Stripe payouts by up to 95% in comparison to Standard ACH. It gives small business owners much faster access to their hard-earned revenue. 

With Boost, you’ll worry less about missing payments, paying late fees, or dipping into personal funds to make business ends meet. Instead, you can compensate employees, vendors, and yourself on time while reinvesting in your business growth with faster revenue access.

Plus, free access to your cash on the go

Novo refunds all U.S. and international ATM fees at the end of each month, so you can access your cash without worrying about costly ATM fees eating into profits. 

Reserves for all your necessities

With Novo, allocate your checking account’s balance into separate categories, what we term “Reserves”. Novo Reserves are personalized, automated, and free.

With Novo Reserves, earmark your cash for taxes, profit, marketing, inventory, payroll, and other expenses – including automated Profit First allocation. This means greater flexibility, predictability, and control when managing your business finances (plus better preparedness for events that can upset cash flow). 

Novo Reserves are not separate accounts or subaccounts, and any funds placed in Reserves are still a part of your Novo checking account’s balance. Learn more about how Novo Reserves can make budget planning for business owners simple and stress-free.

Instant access to business funds

Rather than waiting for a physical debit card to come in the mail, Novo account holders enjoy the convenience of a virtual card that can be used just minutes after account approval to purchase necessary items and services. The Novo Virtual Card is also usable for both online and in-person purchases, and it can connect instantly with Apple and Google pay. Learn more about the Novo Virtual Card

Free banking tools on demand

Novo offers an app for both Apple and Android devices allowing you to manage and complete essential business functions, no matter where you go. Here are some of the features available:

  • Access existing accounts
  • Control debit card functions
  • Pay bills
  • Process ACH transfers
  • Deposit checks
  • Categorize transactions
  • Place funds in Reserves

The Novo app is completely free for basic features and integrations. Check out our mobile app: Novo for iOS or Novo for Android

International payments on a global scale

Novo is integrated with Wise, an online multi-currency platform that lets you send money abroad in less time and for less cost via international wires. Business owners always get the mid-market rates for transfers, guaranteeing a fair conversion.

Exclusive discounts on partner services

With Novo, you gain access to special discounts on business essentials, from accounting software to marketing services. For example, your Novo account can unlock a 30% discount on the first six months of any QuickBooks package and up to $20,000 in fee-free card processing with Stripe. 

Other discounts include $150 in free Snapchat Ad credits or 30% off a one-year HubSpot subscription. To learn more about our discounts on partner services, explore our complete list of exclusive perks, totaling more than $4,000 in savings. We also add new partners regularly.

Banking as Innovative as You Are

At Novo, we live and breathe innovation. Our team is dedicated to providing a best-in-class, modern business banking platform to empower our customers and give them an edge. Not only do we release new features and integrations regularly, but we continuously improve upon our existing product offerings. We’re also proud to offer human-powered customer service.

The best part? We take your feedback seriously. We’re always interested in hearing from our customers about what they’d like to see next from us.

Novo, the smarter digital banking platform alternative to Bluevine

Novo is the perfect online banking solution and partner for empowering budding and established entrepreneurs and business owners who want a competitive edge to continue to grow their business. 

Apply for your Novo account in minutes and see how the right banking partner can make all the difference for your small business’ success. 


sign up for Novo: powerfully simple business banking with no hidden fees

September 6, 2022
Banking 101