---
title: "Help Center: FAQs and Support | Novo"
description: "Get answers to common questions about your Novo account—from opening an account to fees, cards, payments and security. Visit the Help Center."
canonical: "https://www.novo.co/help"
---

[Learn with Novo Read through clear FAQs and articles](https://www.novo.co/help#articles)[Need to talk to someone? Sign in and speak with our team](https://app.novo.co/login)

Every business journey is different, but the same questions can appear at the same crossroads. That’s why we’re here to support your unique journey with our FAQ Help Center.

**Overview**

**Overview**

-   **Getting Started**

    -   **About Novo**

        -   [Are Novo accounts FDIC insured?](https://www.novo.co/help/are-novo-accounts-fdic-insured)
        -   [How is Novo different from traditional banks](https://www.novo.co/help/how-is-novo-different-from-traditional-banks)
        -   [Is Novo a bank?](https://www.novo.co/help/is-novo-a-bank)
        -   [What is Novo?](https://www.novo.co/help/what-is-novo)
        -   [Who is Novo's sponsor bank?](https://www.novo.co/help/who-is-novos-sponsor-bank)

    -   **Account Setup and Ownership**

        -   **Key Terms**

            -   [What is a 501(c)(3)?](https://www.novo.co/help/what-is-a-501c3)
            -   [What is a certificate of foreign status (W-8BEN) form?](https://www.novo.co/help/what-is-a-certificate-of-foreign-status-w-8ben-form)
            -   [What is a corporation?](https://www.novo.co/help/what-is-a-corporation)
            -   [What is a partnership?](https://www.novo.co/help/what-is-a-partnership)
            -   [What is a sole proprietorship?](https://www.novo.co/help/what-is-a-sole-proprietorship)
            -   [What is an EIN?](https://www.novo.co/help/what-is-an-ein)
            -   [What is an LLC?](https://www.novo.co/help/what-is-an-llc)

            [Can a fiduciary for my business open an account?](https://www.novo.co/help/can-a-fiduciary-for-my-business-open-an-account) [Can I have more than one DBA per account?](https://www.novo.co/help/can-i-have-more-than-one-dba-per-account) [Can I have multiple Novo accounts?](https://www.novo.co/help/can-i-have-multiple-novo-accounts) [Can I open a trust account or have a trustee open an account for my business?](https://www.novo.co/help/can-i-open-a-trust-account-or-have-a-trustee-open-an-account-for-my-business)

    -   **Apply for an Account**

        -   **Completing Your Application**

            -   [Can I add more business owners later?](https://www.novo.co/help/can-i-add-more-business-owners-later)
            -   [Can I change my business type from a sole proprietorship to an LLC after my account is opened?](https://www.novo.co/help/can-i-change-my-business-type-from-a-sole-proprietorship-to-an-llc-after-my-account-is-opened)
            -   [Can I save my application progress and continue later?](https://www.novo.co/help/can-i-save-my-application-progress-and-continue-later)
            -   [How can I check on the status of my application?](https://www.novo.co/help/how-can-i-check-on-the-status-of-my-application)
            -   [How do I cancel my application?](https://www.novo.co/help/how-do-i-cancel-my-application)
            -   [How do I list owners on my account when I have a non-profit?](https://www.novo.co/help/how-do-i-list-owners-on-my-account-when-i-have-a-non-profit)
            -   [How do I make a change to my application?](https://www.novo.co/help/how-do-i-make-a-change-to-my-application)
            -   [How do I update details on my submitted application?](https://www.novo.co/help/how-do-i-update-details-on-my-submitted-application)
            -   [How long does account approval take?](https://www.novo.co/help/how-long-does-account-approval-take)
            -   [How long does it take to review my application?](https://www.novo.co/help/how-long-does-it-take-to-review-my-application)
            -   [What can I do if my application was rejected?](https://www.novo.co/help/what-can-i-do-if-my-application-was-rejected)
            -   [What happens after I submit my application?](https://www.novo.co/help/what-happens-after-i-submit-my-application)
            -   [What happens after my account is approved?](https://www.novo.co/help/what-happens-after-my-account-is-approved)
            -   [What if I get disconnected or my application times out?](https://www.novo.co/help/what-if-i-get-disconnected-or-my-application-times-out)
            -   [What is the link to continue with my application?](https://www.novo.co/help/what-is-the-link-to-continue-with-my-application)
            -   [Why is my application still under review?](https://www.novo.co/help/why-is-my-application-still-under-review)
            -   [Why was my application declined/rejected?](https://www.novo.co/help/why-was-my-application-declinedrejected)

        -   **ID Verification**

            -   **Verification Documents**

                -   [How do I update my application email?](https://www.novo.co/help/how-do-i-update-my-application-email)
                -   [How do I update my phone number on my application?](https://www.novo.co/help/how-do-i-update-my-phone-number-on-my-application)
                -   [What file types are accepted for document uploads?](https://www.novo.co/help/what-file-types-are-accepted-for-document-uploads)
                -   [What if I switch phones and can't receive the verification codes?](https://www.novo.co/help/what-if-i-switch-phones-and-cant-receive-the-verification-codes)
                -   [What should I do if my document won't upload?](https://www.novo.co/help/what-should-i-do-if-my-document-wont-upload)
                -   [Why can’t I get the phone verification code to continue my application?](https://www.novo.co/help/why-cant-i-get-the-phone-verification-code-to-continue-my-application)
                -   [Why can’t I upload my ID to continue the application?](https://www.novo.co/help/why-cant-i-upload-my-id-to-continue-the-application)
                -   [Why did the application reject my address?](https://www.novo.co/help/why-did-the-application-reject-my-address)
                -   [Why is my phone verification code not working?](https://www.novo.co/help/why-is-my-phone-verification-code-not-working)

                [Can I opt out of authenticating my phone or computer?](https://www.novo.co/help/can-i-opt-out-of-authenticating-my-phone-or-computer) [Does Novo use third parties for identity verification?](https://www.novo.co/help/does-novo-use-third-parties-for-identity-verification) [How do I use a selfie to confirm my identity?](https://www.novo.co/help/how-do-i-use-a-selfie-to-confirm-my-identity) [If I lose my phone, how can I get verified to log in?](https://www.novo.co/help/if-i-lose-my-phone-how-can-i-get-verified-to-log-in) [If I'm outside the US, how can I get verified to log in?](https://www.novo.co/help/if-im-outside-the-us-how-can-i-get-verified-to-log-in) [What information do I need to verify my identity?](https://www.novo.co/help/what-information-do-i-need-to-verify-my-identity) [What is Novo’s identification verification process?](https://www.novo.co/help/what-is-novos-identification-verification-process) [Why didn't I receive the verification code to log in?](https://www.novo.co/help/why-didnt-i-receive-the-verification-code-to-log-in) [Why does Novo do identity verification?](https://www.novo.co/help/why-does-novo-do-identity-verification)

        -   **Starting Your Application**

            -   [Do I add my DBA when I apply or after I open my account?](https://www.novo.co/help/do-i-add-my-dba-when-i-apply-or-after-i-open-my-account)
            -   [Do I need an EIN to apply?](https://www.novo.co/help/do-i-need-an-ein-to-apply)
            -   [Do multiple business owners need to provide information?](https://www.novo.co/help/do-multiple-business-owners-need-to-provide-information)
            -   [How do I start an application?](https://www.novo.co/help/how-do-i-start-an-application)
            -   [How long does it take to complete an application?](https://www.novo.co/help/how-long-does-it-take-to-complete-an-application)
            -   [Should multiple business owners apply together?](https://www.novo.co/help/should-multiple-business-owners-apply-together)
            -   [What documents or information do I need before applying?](https://www.novo.co/help/what-documents-or-information-do-i-need-before-applying)

    -   **Banking and Finance Tools**

        -   [Does Novo offer a debit card?](https://www.novo.co/help/does-novo-offer-a-debit-card)
        -   [Does Novo offer Bill Pay services?](https://www.novo.co/help/does-novo-offer-bill-pay-services)
        -   [Does Novo offer expense reporting tools?](https://www.novo.co/help/does-novo-offer-expense-reporting-tools)
        -   [Does Novo offer savings accounts or certificates of deposit (CDs)?](https://www.novo.co/help/does-novo-offer-savings-accounts-or-certificates-of-deposit-cds)
        -   [Does Novo offer tax services?](https://www.novo.co/help/does-novo-offer-tax-services)
        -   [What features are included with a Novo account?](https://www.novo.co/help/what-features-are-included-with-a-novo-account)
        -   [What type of accounts does Novo offer?](https://www.novo.co/help/what-type-of-accounts-does-novo-offer)

    -   **Contact Support**

        -   [Can I get phone support during the application process?](https://www.novo.co/help/can-i-get-phone-support-during-the-application-process)
        -   [Does Novo observe federal bank holidays?](https://www.novo.co/help/does-novo-observe-federal-bank-holidays)
        -   [How can I contact support without logging in?](https://www.novo.co/help/how-can-i-contact-support-without-logging-in)
        -   [I'm a customer, how do I contact Novo?](https://www.novo.co/help/how-do-i-contact-novo)
        -   [What is Novo's address?](https://www.novo.co/help/what-is-novos-address)

    -   **Fees and Limits**

        -   **Account Opening Fees**

            -   [Do I have to pay any fees to open an account?](https://www.novo.co/help/do-i-have-to-pay-any-fees-to-open-an-account)
            -   [Is there a monthly service fee?](https://www.novo.co/help/is-there-a-monthly-service-fee)
            -   [Is there a required minimum monthly balance?](https://www.novo.co/help/is-there-a-required-minimum-monthly-balance)

        -   **Limits and Low Balance**

            -   [How do I increase my transaction limits?](https://www.novo.co/help/how-do-i-increase-my-transaction-limits)
            -   [Is there a required minimum or maximum deposit?](https://www.novo.co/help/is-there-a-required-minimum-or-maximum-deposit)
            -   [What are my transaction limits?](https://www.novo.co/help/what-are-my-transaction-limits)

        -   **Ongoing Fees**

            -   [Does Novo charge a fee for not keeping a required monthly balance?](https://www.novo.co/help/does-novo-charge-a-fee-for-not-keeping-a-required-monthly-balance)
            -   [Does Novo charge overdraft fees?](https://www.novo.co/help/does-novo-charge-overdraft-fees)
            -   [Does Novo charge transaction fees?](https://www.novo.co/help/does-novo-charge-transaction-fees)
            -   [What is the fee for domestic wires?](https://www.novo.co/help/what-is-the-fee-for-domestic-wires)
            -   [What is the fee for international wires?](https://www.novo.co/help/what-is-the-fee-for-international-wires)

    -   **Key Terms**

        -   [What is a non-profit?](https://www.novo.co/help/what-is-a-non-profit)

    -   **Partner with Novo**

        -   **Affiliate Program**

            -   [Does Novo have an affiliate program?](https://www.novo.co/help/does-novo-have-an-affiliate-program)
            -   [How do I apply for the Novo affilate program?](https://www.novo.co/help/how-do-i-apply-for-the-novo-affilate-program)
            -   [What are the requirements for the Novo affiliate program?](https://www.novo.co/help/what-are-the-requirements-for-the-novo-affiliate-program)

        -   **Referrals**

            -   **After Your Referral**

                -   [Do I need to report the referral bonus I receive on my taxes](https://www.novo.co/help/do-i-need-to-report-the-referral-bonus-i-receive-on-my-taxes)
                -   [How will I know if my referral is successful](https://www.novo.co/help/how-will-i-know-if-my-referral-is-successful)
                -   [How will I receive my referral bonus payout?](https://www.novo.co/help/how-will-i-receive-my-referral-bonus-payout)
                -   [When will I receive my referral bonus payout?](https://www.novo.co/help/when-will-i-receive-my-referral-bonus-payout)
                -   [Why haven’t I received my referral bonus payout?](https://www.novo.co/help/why-havent-i-received-my-referral-bonus-payout)

            -   **How Referrals Work**

                -   [Are there any restrictions on who I can refer for the Novo referral program bonus](https://www.novo.co/help/are-there-any-restrictions-on-who-i-can-refer-for-the-novo-referral-program-bonus)
                -   [Can I apply a referral code after my account is open](https://www.novo.co/help/can-i-apply-a-referral-code-after-my-account-is-open)
                -   [Can I use more than one Novo referral program link when applying](https://www.novo.co/help/can-i-use-more-than-one-novo-referral-program-link-when-applying)
                -   [How does Novo's referral program work?](https://www.novo.co/help/how-does-novos-referral-program-work)
                -   [What are the requirements to qualify for the Novo Referral Program bonus](https://www.novo.co/help/what-are-the-requirements-to-qualify-for-the-novo-referral-program-bonus)
                -   [Where do I find my referral link](https://www.novo.co/help/where-do-i-find-my-referral-link)
                -   [Who is eligible for the Novo referral program bonus](https://www.novo.co/help/who-is-eligible-for-the-novo-referral-program-bonus)

            -   **Limits and Restrictions**

                -   [Can I refer one of my own businesses to Novo](https://www.novo.co/help/can-i-refer-one-of-my-own-businesses-to-novo)
                -   [Is there a limit on the number of referrals I can make](https://www.novo.co/help/is-there-a-limit-on-the-number-of-referrals-i-can-make)

    -   **Security and Privacy**

        -   **Your Data**

            -   [Does Novo ever share my data with third parties?](https://www.novo.co/help/does-novo-ever-share-my-data-with-third-parties)
            -   [What happens to the data collected in my application?](https://www.novo.co/help/what-happens-to-the-data-collected-in-my-application)

            [How do I set up 2-factor authentication (2FA)?](https://www.novo.co/help/how-do-i-set-up-2-factor-authentication-2fa) [How does Novo protect my account](https://www.novo.co/help/how-does-novo-protect-my-account) [How does Novo protect my financial information?](https://www.novo.co/help/how-does-novo-protect-my-financial-information) [How is my money and account protected?](https://www.novo.co/help/how-is-my-money-and-account-protected) [Does Novo use 2-factor authentication (2FA)?](https://www.novo.co/help/does-novo-use-2-factor-authentication-2fa)

    -   **Using Your Account**

        -   **Access and Logging In**

            -   **Login Issues**

                -   [How can I unfreeze my account?](https://www.novo.co/help/how-can-i-unfreeze-my-account)
                -   [How can I unlock my account?](https://www.novo.co/help/how-can-i-unlock-my-account)
                -   [How do I log in if my account is frozen?](https://www.novo.co/help/how-do-i-log-in-if-my-account-is-frozen)
                -   [How do I log in if my account is locked?](https://www.novo.co/help/how-do-i-log-in-if-my-account-is-locked)
                -   [How long will my account be frozen?](https://www.novo.co/help/how-long-will-my-account-be-frozen)
                -   [How long will my account be locked?](https://www.novo.co/help/how-long-will-my-account-be-locked)
                -   [Why do I get an error when I try to log in?](https://www.novo.co/help/why-do-i-get-an-error-when-i-try-to-log-in)
                -   [Why do I keep getting logged out?](https://www.novo.co/help/why-do-i-keep-getting-logged-out)
                -   [Why does the system say my login credentials are incorrect?](https://www.novo.co/help/why-does-the-system-say-my-login-credentials-are-incorrect)

                [Can I log in on multiple devices?](https://www.novo.co/help/can-i-log-in-on-multiple-devices) [How do I log in after my account is approved?](https://www.novo.co/help/how-do-i-log-in-after-my-account-is-approved) [When can I start using my account?](https://www.novo.co/help/when-can-i-start-using-my-account) [When will I get my debit card?](https://www.novo.co/help/when-will-i-get-my-debit-card) [Which devices can I use to access my account?](https://www.novo.co/help/which-devices-can-i-use-to-access-my-account)

            -   **Novo App Login**

                -   [Do I need the latest version of the app to log in?](https://www.novo.co/help/do-i-need-the-latest-version-of-the-app-to-log-in)
                -   [Why can't I log in to the app?](https://www.novo.co/help/why-cant-i-log-in-to-the-app)
                -   [Why does the app crash when I try to log in?](https://www.novo.co/help/why-does-the-app-crash-when-i-try-to-log-in)

                [Can I log in on multiple devices?](https://www.novo.co/help/can-i-log-in-on-multiple-devices) [How do I log in after my account is approved?](https://www.novo.co/help/how-do-i-log-in-after-my-account-is-approved) [When can I start using my account?](https://www.novo.co/help/when-can-i-start-using-my-account) [When will I get my debit card?](https://www.novo.co/help/when-will-i-get-my-debit-card) [Which devices can I use to access my account?](https://www.novo.co/help/which-devices-can-i-use-to-access-my-account)

            -   **Password and Security**

                -   [How do I turn on Face ID?](https://www.novo.co/help/how-do-i-turn-on-face-id)
                -   [What is my username and password?](https://www.novo.co/help/what-is-my-username-and-password)
                -   [What should I do if I my number changed or I can't receive login codes on a different device?](https://www.novo.co/help/what-should-i-do-if-i-my-number-changed-or-i-cant-receive-login-codes-on-a-different-device)

                [Can I log in on multiple devices?](https://www.novo.co/help/can-i-log-in-on-multiple-devices) [How do I log in after my account is approved?](https://www.novo.co/help/how-do-i-log-in-after-my-account-is-approved) [When can I start using my account?](https://www.novo.co/help/when-can-i-start-using-my-account) [When will I get my debit card?](https://www.novo.co/help/when-will-i-get-my-debit-card) [Which devices can I use to access my account?](https://www.novo.co/help/which-devices-can-i-use-to-access-my-account)

        -   **Accessibility**

            -   **Settings and Adjustments**

                -   [How can I adjust the text size on the website?](https://www.novo.co/help/how-can-i-adjust-the-text-size-on-the-website)
                -   [How do I access the accessibility settings on my phone?](https://www.novo.co/help/how-do-i-access-the-accessibility-settings-on-my-phone)
                -   [How do I enable high contrast mode?](https://www.novo.co/help/how-do-i-enable-high-contrast-mode)

                [Are there any accessibility tools that make Novo easier to use?](https://www.novo.co/help/are-there-any-accessibility-tools-that-make-novo-easier-to-use) [Can I use Novo with a screen reader?](https://www.novo.co/help/can-i-use-novo-with-a-screen-reader) [What accessibility features are available on my device?](https://www.novo.co/help/what-accessibility-features-are-available-on-my-device) [What accessibility standards does Novo follow?](https://www.novo.co/help/what-accessibility-standards-does-novo-follow) [What is accessibility?](https://www.novo.co/help/what-is-accessibility)

            -   **Tools and Support**

                -   [Are there any recommended browser extensions or third-party tools that can make Novo easier to use?](https://www.novo.co/help/are-there-any-recommended-browser-extensions-or-third-party-tools-that-can-make-novo-easier-to-use)
                -   [How can I submit feedback or accessibility requests?](https://www.novo.co/help/how-can-i-submit-feedback-or-accessibility-requests)

                [Are there any accessibility tools that make Novo easier to use?](https://www.novo.co/help/are-there-any-accessibility-tools-that-make-novo-easier-to-use) [Can I use Novo with a screen reader?](https://www.novo.co/help/can-i-use-novo-with-a-screen-reader) [What accessibility features are available on my device?](https://www.novo.co/help/what-accessibility-features-are-available-on-my-device) [What accessibility standards does Novo follow?](https://www.novo.co/help/what-accessibility-standards-does-novo-follow) [What is accessibility?](https://www.novo.co/help/what-is-accessibility)

        -   **Account Details**

            -   [Can I change the primary owner on my account?](https://www.novo.co/help/can-i-change-the-primary-owner-on-my-account)
            -   [How do I update my address on my account?](https://www.novo.co/help/how-do-i-update-my-address-on-my-account)
            -   [If I'm a sole proprietorship, where is my business name?](https://www.novo.co/help/if-im-a-sole-proprietorship-where-is-my-business-name)
            -   [Where are my account and routing numbers?](https://www.novo.co/help/where-are-my-account-and-routing-numbers)
            -   [Where can I find my legal business name?](https://www.novo.co/help/where-can-i-find-my-legal-business-name)

        -   **Account Settings**

            -   [How do I manage my account settings?](https://www.novo.co/help/how-do-i-manage-my-account-settings)

        -   **Alerts and Notifications**

            -   [How do I turn on low balance alerts?](https://www.novo.co/help/how-do-i-turn-on-low-balance-alerts)

        -   **Linking Accounts**

            -   [How do I link another bank account to my Novo account](https://www.novo.co/help/how-do-i-link-another-bank-account-to-my-novo-account)
            -   [How do I unlink another bank account?](https://www.novo.co/help/how-do-i-unlink-another-bank-account)
            -   [Why should I link an external bank account?](https://www.novo.co/help/why-should-i-link-an-external-bank-account)

        -   **Managing Cash**

            -   [Can I withdraw cash from my account?](https://www.novo.co/help/can-i-withdraw-cash-from-my-account)
            -   [How can I deposit cash into my account?](https://www.novo.co/help/how-can-i-deposit-cash-into-my-account)

        -   **Managing Transactions**

            -   [Can I add notes to a transaction?](https://www.novo.co/help/can-i-add-notes-to-a-transaction)
            -   [Can I filter my transactions by date or amount?](https://www.novo.co/help/can-i-filter-my-transactions-by-date-or-amount)
            -   [How can I download my transaction history?](https://www.novo.co/help/how-can-i-download-my-transaction-history)
            -   [How can I view all my transactions?](https://www.novo.co/help/how-can-i-view-all-my-transactions)
            -   [How can I view my transaction details?](https://www.novo.co/help/how-can-i-view-my-transaction-details)
            -   [How do I dispute a transaction?](https://www.novo.co/help/how-do-i-dispute-a-transaction)
            -   [How do I search for transactions?](https://www.novo.co/help/how-do-i-search-for-transactions)
            -   [If I don't have enough in my account to cover a transaction, what should I do](https://www.novo.co/help/if-i-dont-have-enough-in-my-account-to-cover-a-transaction-what-should-i-do)
            -   [What should I do if I don't recognize a transaction?](https://www.novo.co/help/what-should-i-do-if-i-dont-recognize-a-transaction)
            -   [When do pending transactions post to my account?](https://www.novo.co/help/when-do-pending-transactions-post-to-my-account)
            -   [Why does a transaction show a different amount than expected?](https://www.novo.co/help/why-does-a-transaction-show-a-different-amount-than-expected)
            -   [Why does a transaction show a different merchant name](https://www.novo.co/help/why-does-a-transaction-show-a-different-merchant-name)
            -   [Why is a transaction missing from my account?](https://www.novo.co/help/why-is-a-transaction-missing-from-my-account)

        -   **Your Dashboard**

            -   **Account Balances**

                -   [What do the different balances in my account mean?](https://www.novo.co/help/what-do-the-different-balances-in-my-account-mean)
                -   [What is the difference between available balance and current balance?](https://www.novo.co/help/what-is-the-difference-between-available-balance-and-current-balance)
                -   [Why is my available balance lower than my account balance?](https://www.novo.co/help/why-is-my-available-balance-lower-than-my-account-balance)

                [How do I use my Novo dashboard?](https://www.novo.co/help/how-do-i-use-my-novo-dashboard) [How do I view my account balance and activity?](https://www.novo.co/help/how-do-i-view-my-account-balance-and-activity) [What information is shown on my Novo dashboard?](https://www.novo.co/help/what-information-is-shown-on-my-novo-dashboard)

            -   **Customize Your Dashboard**

                -   [Can I customize how my transactions appear?](https://www.novo.co/help/can-i-customize-how-my-transactions-appear)
                -   [Can I hide or show certain account information?](https://www.novo.co/help/can-i-hide-or-show-certain-account-information)
                -   [Can I rearrange my dashboard?](https://www.novo.co/help/can-i-rearrange-my-dashboard)
                -   [How do I customize my dashboard?](https://www.novo.co/help/how-do-i-customize-my-dashboard)
                -   [Why should I customize my dashboard?](https://www.novo.co/help/why-should-i-customize-my-dashboard)

                [How do I use my Novo dashboard?](https://www.novo.co/help/how-do-i-use-my-novo-dashboard) [How do I view my account balance and activity?](https://www.novo.co/help/how-do-i-view-my-account-balance-and-activity) [What information is shown on my Novo dashboard?](https://www.novo.co/help/what-information-is-shown-on-my-novo-dashboard)

    -   **Who Can Apply**

        -   **Eligibility**

            -   [Are there any business types that can't apply for a Novo account?](https://www.novo.co/help/are-there-any-business-types-that-cant-apply-for-a-novo-account)
            -   [Can my co-owner or additional owner fill out their own part of the application?](https://www.novo.co/help/can-my-co-owner-or-additional-owner-fill-out-their-own-part-of-the-application)
            -   [Can non-US citizens apply for an account?](https://www.novo.co/help/can-non-us-citizens-apply-for-an-account)
            -   [Can startups without revenue apply for an account?](https://www.novo.co/help/can-startups-without-revenue-apply-for-an-account)
            -   [Does Novo check credit history when I apply for an account?](https://www.novo.co/help/does-novo-check-credit-history-when-i-apply-for-an-account)
            -   [What age do I need to be to open an account?](https://www.novo.co/help/what-age-do-i-need-to-be-to-open-an-account)
            -   [What business types can apply for an account?](https://www.novo.co/help/what-business-types-can-apply-for-an-account)

        -   **Requirements**

            -   [Do I need a driver’s license or passport to apply for an account?](https://www.novo.co/help/do-i-need-a-drivers-license-or-passport-to-apply-for-an-account)
            -   [Do I need an SSN or can I use an EIN to apply for an account?](https://www.novo.co/help/do-i-need-an-ssn-or-can-i-use-an-ein-to-apply-for-an-account)
            -   [How do I send my business documents when applying?](https://www.novo.co/help/how-do-i-send-my-business-documents-when-applying)
            -   [What business documents do I need to open an account?](https://www.novo.co/help/what-business-documents-do-i-need-to-open-an-account)
            -   [What if my business partner doesn't have a Social Security number?](https://www.novo.co/help/what-if-my-business-partner-doesnt-have-a-social-security-number)
            -   [Why do I need a foreign registration certificate?](https://www.novo.co/help/why-do-i-need-a-foreign-registration-certificate)
            -   [Why do I need to provide a US physical address when applying for an account?](https://www.novo.co/help/why-do-i-need-to-provide-a-us-physical-address-when-applying-for-an-account)
            -   [Why does Novo ask for documents that other banks do not?](https://www.novo.co/help/why-does-novo-ask-for-documents-that-other-banks-do-not)

        -   **Restrictions**

            -   [Can businesses or owners outside the US apply for an account?](https://www.novo.co/help/can-businesses-or-owners-outside-the-us-apply-for-an-account)
            -   [If I'm involved in a legal or financial dispute, can I apply for an account or continue using an existing account?](https://www.novo.co/help/if-im-involved-in-a-legal-or-financial-dispute-can-i-apply-for-an-account-or-continue-using-an-existing-account)
            -   [Why can't an additional user (ultimate beneficial owner) access my account application?](https://www.novo.co/help/why-cant-an-additional-user-ultimate-beneficial-owner-access-my-account-application)
            -   [Why was my application denied?](https://www.novo.co/help/why-was-my-application-denied)

-   **Keeping Your Account Safe**

    -   **Access and Permissions**

        -   [How do I freeze my account?](https://www.novo.co/help/how-do-i-freeze-my-account)
        -   [How do I log out of my account?](https://www.novo.co/help/how-do-i-log-out-of-my-account)

    -   **Card Security**

        -   [What are best practices to keep accounts secure?](https://www.novo.co/help/what-are-best-practices-to-keep-accounts-secure)
        -   [What are best practices to keep debit and credit cards secure](https://www.novo.co/help/what-are-best-practices-to-keep-debit-and-credit-cards-secure)
        -   [What makes a password strong](https://www.novo.co/help/what-makes-a-password-strong)
        -   [What should I know about compromised passwords?](https://www.novo.co/help/what-should-i-know-about-compromised-passwords)

    -   **Protect Your Account**

        -   [How can I keep my account secure?](https://www.novo.co/help/how-can-i-keep-my-account-secure)
        -   [What account information should I avoid sharing online](https://www.novo.co/help/what-account-information-should-i-avoid-sharing-online)
        -   [What is personal data and why does it matter](https://www.novo.co/help/what-is-personal-data-and-why-does-it-matter)

    -   **Report a Problem**

        -   [How do I dispute an unauthorized ACH transfer](https://www.novo.co/help/how-do-i-dispute-an-unauthorized-ach-transfer)
        -   [How do I report fraud?](https://www.novo.co/help/how-do-i-report-fraud)

    -   **Scams and Fraud**

        -   [How can I identify a phishing attempt or scam?](https://www.novo.co/help/how-can-i-identify-a-phishing-attempt-or-scam)
        -   [How does Novo fight ACH and check fraud?](https://www.novo.co/help/how-does-novo-fight-ach-and-check-fraud)
        -   [What happens if Novo experiences a security breach?](https://www.novo.co/help/what-happens-if-novo-experiences-a-security-breach)

    -   **Unauthorized Activity**

        -   [What can I do if my account gets hacked](https://www.novo.co/help/what-can-i-do-if-my-account-gets-hacked)
        -   [What if there is an unrecognized withdrawal on my account?](https://www.novo.co/help/what-if-there-is-an-unrecognized-withdrawal-on-my-account)
        -   [What should I do if I detect suspicious activity on my account?](https://www.novo.co/help/what-should-i-do-if-i-detect-suspicious-activity-on-my-account)
        -   [Why did I get a notification about a suspicious login attempt?](https://www.novo.co/help/why-did-i-get-a-notification-about-a-suspicious-login-attempt)

-   **Managing Your Account**

    -   **Accessing Your Account**

        -   **Logging In**

            -   **Login Issues**

                -   [How do I reset my password?](https://www.novo.co/help/how-do-i-reset-my-password)
                -   [What if I forgot which email address is on my account?](https://www.novo.co/help/what-if-i-forgot-which-email-address-is-on-my-account)
                -   [What should I do if I forgot my password?](https://www.novo.co/help/what-should-i-do-if-i-forgot-my-password)
                -   [Why can't I log in to my account?](https://www.novo.co/help/why-cant-i-log-in-to-my-account)

                [How do I log in to my account?](https://www.novo.co/help/how-do-i-log-in-to-my-account)

        -   **Your Novo Inbox**

            -   [Types of Inbox Messages & Filtering](https://www.novo.co/help/inbox-messages)

    -   **Account Information**

        -   [What account information can I update myself?](https://www.novo.co/help/what-account-information-can-i-update-myself)
        -   [What documents do I need to update my business information?](https://www.novo.co/help/what-documents-do-i-need-to-update-my-business-information)
        -   [What if I can't update my account information?](https://www.novo.co/help/what-if-i-cant-update-my-account-information)
        -   [Why was my request to change my information denied?](https://www.novo.co/help/why-was-my-request-to-change-my-information-denied)

        -   **Your Novo Inbox**

            -   [Types of Inbox Messages & Filtering](https://www.novo.co/help/inbox-messages)

    -   **Account Status**

        -   [How do I unfreeze my account?](https://www.novo.co/help/how-do-i-unfreeze-my-account)
        -   [Why is my account frozen?](https://www.novo.co/help/why-is-my-account-frozen)
        -   [Why am I unable to proceed with my account closure?](https://www.novo.co/help/why-am-i-unable-to-proceed-with-my-account-closure)

        -   **Your Novo Inbox**

            -   [Types of Inbox Messages & Filtering](https://www.novo.co/help/inbox-messages)

    -   **Additional Users**

        -   [How do I add or remove an additional user?](https://www.novo.co/help/how-do-i-add-or-remove-an-additional-user)
        -   [What if an additional user needs help with their application?](https://www.novo.co/help/what-if-an-additional-user-needs-help-with-their-application)
        -   [What permissions on my account do additional users have?](https://www.novo.co/help/what-permissions-on-my-account-do-additional-users-have)

        -   **Your Novo Inbox**

            -   [Types of Inbox Messages & Filtering](https://www.novo.co/help/inbox-messages)

    -   **Closing Your Account**

        -   [How do I close my account?](https://www.novo.co/help/how-do-i-close-my-account)
        -   [How long can my account be inactive before it's closed?](https://www.novo.co/help/how-long-can-my-account-be-inactive-before-its-closed)
        -   [What happens to my money if Novo closes?](https://www.novo.co/help/what-happens-to-my-money-if-novo-closes)
        -   [What should I do if a user on my account is deceased?](https://www.novo.co/help/what-should-i-do-if-a-user-on-my-account-is-deceased)

        -   **Your Novo Inbox**

            -   [Types of Inbox Messages & Filtering](https://www.novo.co/help/inbox-messages)

    -   **Collections Payment Plan**

        -   [Will I receive email notifications about my payment plan?](https://www.novo.co/help/will-i-receive-email-notifications-about-my-payment-plan)
        -   [What information can I see in my Payment Portal?](https://www.novo.co/help/what-information-can-i-see-in-my-payment-portal)
        -   [Can I pay off my entire collections balance early?](https://www.novo.co/help/can-i-pay-off-my-entire-collections-balance-early)
        -   [What happens if I miss a scheduled payment?](https://www.novo.co/help/what-happens-if-i-miss-a-scheduled-payment)
        -   [How do I make a manual payment?](https://www.novo.co/help/how-do-i-make-a-manual-payment)
        -   [How do I edit my automatic payment schedule?](https://www.novo.co/help/how-do-i-edit-my-automatic-payment-schedule)
        -   [Can I choose which bank account my payment comes from?](https://www.novo.co/help/can-i-choose-which-bank-account-my-payment-comes-from)
        -   [Can I change the date or amount of my scheduled payment online?](https://www.novo.co/help/can-i-change-the-date-or-amount-of-my-scheduled-payment-online)
        -   [How do I access my collections payment plan?](https://www.novo.co/help/how-do-i-access-my-collections-payment-plan)

        -   **Your Novo Inbox**

            -   [Types of Inbox Messages & Filtering](https://www.novo.co/help/inbox-messages)

    -   **Managing a DBA**

        -   [Do I still need a DBA certificate if my DBA is in Georgia](https://www.novo.co/help/do-i-still-need-a-dba-certificate-if-my-dba-is-in-georgia)
        -   [How do I update the DBA on my account](https://www.novo.co/help/how-do-i-update-the-dba-on-my-account)
        -   [What is a DBA?](https://www.novo.co/help/what-is-a-dba)
        -   [When do I need a DBA certificate?](https://www.novo.co/help/when-do-i-need-a-dba-certificate)

        -   **Your Novo Inbox**

            -   [Types of Inbox Messages & Filtering](https://www.novo.co/help/inbox-messages)

    -   **Notifications**

        -   [How can I get text notifications for account updates](https://www.novo.co/help/how-can-i-get-text-notifications-for-account-updates)
        -   [How do I turn on notifications?](https://www.novo.co/help/how-do-i-turn-on-notifications)
        -   [What notifications does Novo send?](https://www.novo.co/help/what-notifications-does-novo-send)
        -   [Why didn't I receive a text notification about my account?](https://www.novo.co/help/why-didnt-i-receive-a-text-notification-about-my-account)

        -   **Your Novo Inbox**

            -   [Types of Inbox Messages & Filtering](https://www.novo.co/help/inbox-messages)

    -   **Ultimate Beneficial Owners (UBOs)**

        -   [Can UBOs edit their own information on my account?](https://www.novo.co/help/can-ubos-edit-their-own-information-on-my-account)
        -   [How do I add someone who owns 25% or more of my business (UBO) to my account?](https://www.novo.co/help/how-do-i-add-someone-who-owns-25-or-more-of-my-business-ubo-to-my-account)
        -   [How do I view, update, or manage owners (UBOs) on my account?](https://www.novo.co/help/how-do-i-view-update-or-manage-owners-ubos-on-my-account)
        -   [How long does it take to update a UBO and how do I check the status?](https://www.novo.co/help/how-long-does-it-take-to-update-a-ubo-and-how-do-i-check-the-status)
        -   [What is the difference between removing an ultimate beneficial owner (UBO) and removing an additional user](https://www.novo.co/help/what-is-the-difference-between-removing-an-ultimate-beneficial-owner-ubo-and-removing-an-additional-user)

        -   **Your Novo Inbox**

            -   [Types of Inbox Messages & Filtering](https://www.novo.co/help/inbox-messages)

-   **Managing Your Business**

    -   **Connecting Your Tools**

        -   **Accounting Apps**

            -   [Can I connect Quickbooks to Novo Bookkeeping?](https://www.novo.co/help/can-i-connect-quickbooks-to-novo-bookkeeping)
            -   [Can I connect Wave to my account?](https://www.novo.co/help/can-i-connect-wave-to-my-account)
            -   [How do I connect Xero to my account?](https://www.novo.co/help/how-do-i-connect-xero-to-my-account)
            -   [What happens to deleted transactions in Xero?](https://www.novo.co/help/what-happens-to-deleted-transactions-in-xero)
            -   [What if my data is different in Novo and my accounting software?](https://www.novo.co/help/what-if-my-data-is-different-in-novo-and-my-accounting-software)
            -   [Which accounting tools can I connect to my account?](https://www.novo.co/help/which-accounting-tools-can-i-connect-to-my-account)

            [How do integrations work with Novo?](https://www.novo.co/help/how-do-integrations-work-with-novo) [Why is my integration disconnected, or not syncing correctly?](https://www.novo.co/help/why-is-my-integration-disconnected-or-not-syncing-correctly)

        -   **Automation Apps**

            -   [Can I connect my account to Zapier?](https://www.novo.co/help/can-i-connect-my-account-to-zapier)
            -   [Can I connect my account to Zoho?](https://www.novo.co/help/can-i-connect-my-account-to-zoho)

            [How do integrations work with Novo?](https://www.novo.co/help/how-do-integrations-work-with-novo) [Why is my integration disconnected, or not syncing correctly?](https://www.novo.co/help/why-is-my-integration-disconnected-or-not-syncing-correctly)

        -   **Ecommerce and Sale Apps**

            -   **Shopify**

                -   [Can I add Shopify to my dashboard?](https://www.novo.co/help/can-i-add-shopify-to-my-dashboard)
                -   [How do I access Novo through my Shopify account?](https://www.novo.co/help/how-do-i-access-novo-through-my-shopify-account)
                -   [How do I connect or disconnect Shopify?](https://www.novo.co/help/how-do-i-connect-or-disconnect-shopify)
                -   [Where is my Shopify payment?](https://www.novo.co/help/where-is-my-shopify-payment)

                [Can I connect Etsy to my account?](https://www.novo.co/help/can-i-connect-etsy-to-my-account) [Can I connect WooCommerce to my account?](https://www.novo.co/help/can-i-connect-woocommerce-to-my-account) [Which Ecommerce and sales tools can I connect to Novo?](https://www.novo.co/help/which-ecommerce-and-sales-tools-can-i-connect-to-novo)

            [How do integrations work with Novo?](https://www.novo.co/help/how-do-integrations-work-with-novo) [Why is my integration disconnected, or not syncing correctly?](https://www.novo.co/help/why-is-my-integration-disconnected-or-not-syncing-correctly)

        -   **Payment Apps**

            -   [Can I connect PayPal to invoicing?](https://www.novo.co/help/can-i-connect-paypal-to-invoicing)
            -   [Can I connect Square to invoicing?](https://www.novo.co/help/can-i-connect-square-to-invoicing)
            -   [Can I connect Stripe to invoicing?](https://www.novo.co/help/can-i-connect-stripe-to-invoicing)
            -   [Do I need to connect any payment apps to Novo Bookkeeping?](https://www.novo.co/help/do-i-need-to-connect-any-payment-apps-to-novo-bookkeeping)

            [How do integrations work with Novo?](https://www.novo.co/help/how-do-integrations-work-with-novo) [Why is my integration disconnected, or not syncing correctly?](https://www.novo.co/help/why-is-my-integration-disconnected-or-not-syncing-correctly)

        -   **Payroll Apps**

            -   [Can I connect Gusto to my account?](https://www.novo.co/help/can-i-connect-gusto-to-my-account)
            -   [Can I connect payroll tools to my account?](https://www.novo.co/help/can-i-connect-payroll-tools-to-my-account)

            [How do integrations work with Novo?](https://www.novo.co/help/how-do-integrations-work-with-novo) [Why is my integration disconnected, or not syncing correctly?](https://www.novo.co/help/why-is-my-integration-disconnected-or-not-syncing-correctly)

    -   **Documents**

        -   [Can I get a bank signature card?](https://www.novo.co/help/can-i-get-a-bank-signature-card)
        -   [Can I get a voided check from Novo?](https://www.novo.co/help/can-i-get-a-voided-check-from-novo)
        -   [Can Novo help me with my taxes?](https://www.novo.co/help/can-novo-help-me-with-my-taxes)
        -   [Can Novo notarize my document?](https://www.novo.co/help/can-novo-notarize-my-document)
        -   [Do I have any tax documents for my account?](https://www.novo.co/help/do-i-have-any-tax-documents-for-my-account)
        -   [Does Novo report my income to the IRS?](https://www.novo.co/help/does-novo-report-my-income-to-the-irs)
        -   [How can I get a bank letter for my account?](https://www.novo.co/help/how-can-i-get-a-bank-letter-for-my-account)
        -   [How do I download my transaction history?](https://www.novo.co/help/how-do-i-download-my-transaction-history)
        -   [How do I export my account history for tax filing?](https://www.novo.co/help/how-do-i-export-my-account-history-for-tax-filing)
        -   [How far back can I access my statements?](https://www.novo.co/help/how-far-back-can-i-access-my-statements)
        -   [If I lost my EIN, where can I get a copy?](https://www.novo.co/help/if-i-lost-my-ein-where-can-i-get-a-copy)
        -   [Where can I download my account statements?](https://www.novo.co/help/where-can-i-download-my-account-statements)
        -   [Where can I find my employer identification number (EIN)?](https://www.novo.co/help/where-can-i-find-my-employer-identification-number-ein)
        -   [Why is my statement incorrect?](https://www.novo.co/help/why-is-my-statement-incorrect)

    -   **Novo Bookkeeping**

        -   **Data and Reports**

            -   [Can I exclude a transaction from Novo Bookkeeping?](https://www.novo.co/help/can-i-exclude-a-transaction-from-novo-bookkeeping)
            -   [Can I share my Novo Bookkeeping data with other parties, like my accountant?](https://www.novo.co/help/can-i-share-my-novo-bookkeeping-data-with-other-parties-like-my-accountant)
            -   [Do pending transactions count towards expenses?](https://www.novo.co/help/do-pending-transactions-count-towards-expenses)
            -   [How can Novo Bookkeeping help me with my taxes?](https://www.novo.co/help/how-can-novo-bookkeeping-help-me-with-my-taxes)
            -   [How do I export my transaction data?](https://www.novo.co/help/how-do-i-export-my-transaction-data)
            -   [How do I record assets or liabilities?](https://www.novo.co/help/how-do-i-record-assets-or-liabilities)
            -   [What happens to my Bookkeeping data if I close my Novo account?](https://www.novo.co/help/what-happens-to-my-bookkeeping-data-if-i-close-my-novo-account)

        -   **Financial Insights**

            -   [How do I see Financial Insights?](https://www.novo.co/help/how-do-i-see-financial-insights)
            -   [What are Financial Insights?](https://www.novo.co/help/what-are-financial-insights)

        -   **Getting Started**

            -   [Can I turn off Novo Bookkeeping?](https://www.novo.co/help/can-i-turn-off-novo-bookkeeping)
            -   [How do I turn on Novo Bookkeeping?](https://www.novo.co/help/how-do-i-turn-on-novo-bookkeeping)
            -   [What is Novo Bookkeeping?](https://www.novo.co/help/what-is-novo-bookkeeping)
            -   [Where can I find Novo Bookkeeping?](https://www.novo.co/help/where-can-i-find-novo-bookkeeping)

        -   **Linking Other Accounts**

            -   [Can I unlink external accounts from Novo Bookkeeping?](https://www.novo.co/help/can-i-unlink-external-accounts-from-novo-bookkeeping)
            -   [How do I link an external account to Novo Bookkeeping?](https://www.novo.co/help/how-do-i-link-an-external-account-to-novo-bookkeeping)
            -   [How many accounts can I link to Novo Bookkeeping?](https://www.novo.co/help/how-many-accounts-can-i-link-to-novo-bookkeeping)
            -   [What happens if my external account gets disconnected from Novo Bookkeeping?](https://www.novo.co/help/what-happens-if-my-external-account-gets-disconnected-from-novo-bookkeeping)

        -   **Managing Transactions**

            -   [Can I edit or delete custom categories?](https://www.novo.co/help/can-i-edit-or-delete-custom-categories)
            -   [How do I categorize my transactions?](https://www.novo.co/help/how-do-i-categorize-my-transactions)
            -   [How do I create a rule?](https://www.novo.co/help/how-do-i-create-a-rule)
            -   [Which transaction categories can I use?](https://www.novo.co/help/which-transaction-categories-can-i-use)

    -   **Novo Funding**

        -   **Applying for Funding**

            -   [Are there personal guarantees with Novo Funding?](https://www.novo.co/help/are-there-personal-guarantees-with-novo-funding)
            -   [How do I get Novo Funding?](https://www.novo.co/help/how-do-i-get-novo-funding)
            -   [How much is my Funding limit and can it change?](https://www.novo.co/help/how-much-is-my-funding-limit-and-can-it-change)
            -   [Will Novo Funding offer longer terms in the future?](https://www.novo.co/help/will-novo-funding-offer-longer-terms-in-the-future)

            [How do I manage my business loan?](https://www.novo.co/help/how-do-i-manage-my-business-loan) [Are there any hidden fees attached to the Novo Business Loan?](https://www.novo.co/help/are-there-any-hidden-fees-attached-to-the-novo-business-loan) [Do I need to have an account with Novo in order to apply for a Novo Business Loan?](https://www.novo.co/help/do-i-need-a-novo-account-to-apply-for-a-business-loan) [Does Novo offer business lending?](https://www.novo.co/help/does-novo-offer-business-lending) [How is my preapproved loan amount determined?](https://www.novo.co/help/how-is-my-preapproved-loan-amount-determined) [Once the Novo Business Loan is approved, how long does it take to receive funds?](https://www.novo.co/help/how-long-does-it-take-to-receive-novo-business-loan-funds) [Is a personal guarantee required to secure a Novo Business Loan?](https://www.novo.co/help/is-a-personal-guarantee-required-to-secure-a-novo-business-loan) [Is the Novo Business Loan available for all customers?](https://www.novo.co/help/is-the-novo-business-loan-available-for-all-customers) [What information do I need to submit a Novo Business Loan application?](https://www.novo.co/help/what-information-do-i-need-to-submit-a-novo-business-loan-application) [What is a merchant cash advance (MCA)?](https://www.novo.co/help/what-is-a-merchant-cash-advance-mca) [What is a Novo Business Loan?](https://www.novo.co/help/what-is-a-novo-business-loan) [What is Novo Funding?](https://www.novo.co/help/what-is-novo-funding) [What is the estimated timeline for the Novo Business Loan application?](https://www.novo.co/help/what-is-the-estimated-timeline-for-the-novo-business-loan-application) [What is the difference between Novo Business Loans and Novo Funding (Merchant Cash Advance)?](https://www.novo.co/help/whats-the-difference-between-novo-business-loans-and-novo-funding) [Why was my Novo Business Loan application denied? Can I appeal the decision or re-apply?](https://www.novo.co/help/why-was-my-novo-business-loan-application-denied) [If my Novo Business Loan application is denied, will that affect my credit score?](https://www.novo.co/help/will-a-loan-denial-affect-my-credit-score) [If my Novo Business Loan application is denied, will it affect my Novo checking account?](https://www.novo.co/help/will-a-loan-denial-affect-my-novo-checking-account) [Will applying for Novo Business Loans impact my credit score?](https://www.novo.co/help/will-applying-for-novo-business-loans-impact-my-credit-score)

        -   **Managing Funding**

            -   [Do I need to draw money by a certain date?](https://www.novo.co/help/do-i-need-to-draw-money-by-a-certain-date)
            -   [How much funding do I have left?](https://www.novo.co/help/how-much-funding-do-i-have-left)
            -   [What fees does Novo Funding charge?](https://www.novo.co/help/what-fees-does-novo-funding-charge)
            -   [Where is my deposit from Novo Funding?](https://www.novo.co/help/where-is-my-deposit-from-novo-funding)
            -   [Why should I connect my other bank accounts to Novo?](https://www.novo.co/help/why-should-i-connect-my-other-bank-accounts-to-novo)

            [How do I manage my business loan?](https://www.novo.co/help/how-do-i-manage-my-business-loan) [Are there any hidden fees attached to the Novo Business Loan?](https://www.novo.co/help/are-there-any-hidden-fees-attached-to-the-novo-business-loan) [Do I need to have an account with Novo in order to apply for a Novo Business Loan?](https://www.novo.co/help/do-i-need-a-novo-account-to-apply-for-a-business-loan) [Does Novo offer business lending?](https://www.novo.co/help/does-novo-offer-business-lending) [How is my preapproved loan amount determined?](https://www.novo.co/help/how-is-my-preapproved-loan-amount-determined) [Once the Novo Business Loan is approved, how long does it take to receive funds?](https://www.novo.co/help/how-long-does-it-take-to-receive-novo-business-loan-funds) [Is a personal guarantee required to secure a Novo Business Loan?](https://www.novo.co/help/is-a-personal-guarantee-required-to-secure-a-novo-business-loan) [Is the Novo Business Loan available for all customers?](https://www.novo.co/help/is-the-novo-business-loan-available-for-all-customers) [What information do I need to submit a Novo Business Loan application?](https://www.novo.co/help/what-information-do-i-need-to-submit-a-novo-business-loan-application) [What is a merchant cash advance (MCA)?](https://www.novo.co/help/what-is-a-merchant-cash-advance-mca) [What is a Novo Business Loan?](https://www.novo.co/help/what-is-a-novo-business-loan) [What is Novo Funding?](https://www.novo.co/help/what-is-novo-funding) [What is the estimated timeline for the Novo Business Loan application?](https://www.novo.co/help/what-is-the-estimated-timeline-for-the-novo-business-loan-application) [What is the difference between Novo Business Loans and Novo Funding (Merchant Cash Advance)?](https://www.novo.co/help/whats-the-difference-between-novo-business-loans-and-novo-funding) [Why was my Novo Business Loan application denied? Can I appeal the decision or re-apply?](https://www.novo.co/help/why-was-my-novo-business-loan-application-denied) [If my Novo Business Loan application is denied, will that affect my credit score?](https://www.novo.co/help/will-a-loan-denial-affect-my-credit-score) [If my Novo Business Loan application is denied, will it affect my Novo checking account?](https://www.novo.co/help/will-a-loan-denial-affect-my-novo-checking-account) [Will applying for Novo Business Loans impact my credit score?](https://www.novo.co/help/will-applying-for-novo-business-loans-impact-my-credit-score)

        -   **Monthly Transfers and Repayment**

            -   [How do payments to Novo Funding work?](https://www.novo.co/help/how-do-payments-to-novo-funding-work)
            -   [What does a manual transfer cover?](https://www.novo.co/help/what-does-a-manual-transfer-cover)
            -   [What if I miss or can't cover my payment to Novo Funding?](https://www.novo.co/help/what-if-i-miss-or-cant-cover-my-payment-to-novo-funding)
            -   [Why didn’t my payment date change when I drew more funding?](https://www.novo.co/help/why-didnt-my-payment-date-change-when-i-drew-more-funding)

            [How do I manage my business loan?](https://www.novo.co/help/how-do-i-manage-my-business-loan) [Are there any hidden fees attached to the Novo Business Loan?](https://www.novo.co/help/are-there-any-hidden-fees-attached-to-the-novo-business-loan) [Do I need to have an account with Novo in order to apply for a Novo Business Loan?](https://www.novo.co/help/do-i-need-a-novo-account-to-apply-for-a-business-loan) [Does Novo offer business lending?](https://www.novo.co/help/does-novo-offer-business-lending) [How is my preapproved loan amount determined?](https://www.novo.co/help/how-is-my-preapproved-loan-amount-determined) [Once the Novo Business Loan is approved, how long does it take to receive funds?](https://www.novo.co/help/how-long-does-it-take-to-receive-novo-business-loan-funds) [Is a personal guarantee required to secure a Novo Business Loan?](https://www.novo.co/help/is-a-personal-guarantee-required-to-secure-a-novo-business-loan) [Is the Novo Business Loan available for all customers?](https://www.novo.co/help/is-the-novo-business-loan-available-for-all-customers) [What information do I need to submit a Novo Business Loan application?](https://www.novo.co/help/what-information-do-i-need-to-submit-a-novo-business-loan-application) [What is a merchant cash advance (MCA)?](https://www.novo.co/help/what-is-a-merchant-cash-advance-mca) [What is a Novo Business Loan?](https://www.novo.co/help/what-is-a-novo-business-loan) [What is Novo Funding?](https://www.novo.co/help/what-is-novo-funding) [What is the estimated timeline for the Novo Business Loan application?](https://www.novo.co/help/what-is-the-estimated-timeline-for-the-novo-business-loan-application) [What is the difference between Novo Business Loans and Novo Funding (Merchant Cash Advance)?](https://www.novo.co/help/whats-the-difference-between-novo-business-loans-and-novo-funding) [Why was my Novo Business Loan application denied? Can I appeal the decision or re-apply?](https://www.novo.co/help/why-was-my-novo-business-loan-application-denied) [If my Novo Business Loan application is denied, will that affect my credit score?](https://www.novo.co/help/will-a-loan-denial-affect-my-credit-score) [If my Novo Business Loan application is denied, will it affect my Novo checking account?](https://www.novo.co/help/will-a-loan-denial-affect-my-novo-checking-account) [Will applying for Novo Business Loans impact my credit score?](https://www.novo.co/help/will-applying-for-novo-business-loans-impact-my-credit-score)

        -   **Statements and Reporting**

            -   [Can I self-report my business to Dun & Bradstreet (D&B)?](https://www.novo.co/help/can-i-self-report-my-business-to-dun-bradstreet-db)
            -   [Is my Novo Funding activity reported to the credit bureaus?](https://www.novo.co/help/is-my-novo-funding-activity-reported-to-the-credit-bureaus)
            -   [When will I get my monthly statement for Novo Funding?](https://www.novo.co/help/when-will-i-get-my-monthly-statement-for-novo-funding)
            -   [Where can I find my year-end statement for Novo Funding?](https://www.novo.co/help/where-can-i-find-my-year-end-statement-for-novo-funding)

            [How do I manage my business loan?](https://www.novo.co/help/how-do-i-manage-my-business-loan) [Are there any hidden fees attached to the Novo Business Loan?](https://www.novo.co/help/are-there-any-hidden-fees-attached-to-the-novo-business-loan) [Do I need to have an account with Novo in order to apply for a Novo Business Loan?](https://www.novo.co/help/do-i-need-a-novo-account-to-apply-for-a-business-loan) [Does Novo offer business lending?](https://www.novo.co/help/does-novo-offer-business-lending) [How is my preapproved loan amount determined?](https://www.novo.co/help/how-is-my-preapproved-loan-amount-determined) [Once the Novo Business Loan is approved, how long does it take to receive funds?](https://www.novo.co/help/how-long-does-it-take-to-receive-novo-business-loan-funds) [Is a personal guarantee required to secure a Novo Business Loan?](https://www.novo.co/help/is-a-personal-guarantee-required-to-secure-a-novo-business-loan) [Is the Novo Business Loan available for all customers?](https://www.novo.co/help/is-the-novo-business-loan-available-for-all-customers) [What information do I need to submit a Novo Business Loan application?](https://www.novo.co/help/what-information-do-i-need-to-submit-a-novo-business-loan-application) [What is a merchant cash advance (MCA)?](https://www.novo.co/help/what-is-a-merchant-cash-advance-mca) [What is a Novo Business Loan?](https://www.novo.co/help/what-is-a-novo-business-loan) [What is Novo Funding?](https://www.novo.co/help/what-is-novo-funding) [What is the estimated timeline for the Novo Business Loan application?](https://www.novo.co/help/what-is-the-estimated-timeline-for-the-novo-business-loan-application) [What is the difference between Novo Business Loans and Novo Funding (Merchant Cash Advance)?](https://www.novo.co/help/whats-the-difference-between-novo-business-loans-and-novo-funding) [Why was my Novo Business Loan application denied? Can I appeal the decision or re-apply?](https://www.novo.co/help/why-was-my-novo-business-loan-application-denied) [If my Novo Business Loan application is denied, will that affect my credit score?](https://www.novo.co/help/will-a-loan-denial-affect-my-credit-score) [If my Novo Business Loan application is denied, will it affect my Novo checking account?](https://www.novo.co/help/will-a-loan-denial-affect-my-novo-checking-account) [Will applying for Novo Business Loans impact my credit score?](https://www.novo.co/help/will-applying-for-novo-business-loans-impact-my-credit-score)

    -   **Novo Invoices**

        -   **Invoice Reminders**

            -   [How do I send an invoice reminder?](https://www.novo.co/help/how-do-i-send-an-invoice-reminder)
            -   [How do I send automatic invoice reminders?](https://www.novo.co/help/how-do-i-send-automatic-invoice-reminders)

            [Can I customize my invoices?](https://www.novo.co/help/can-i-customize-my-invoices) [Can I update client information or send a new invoice directly from a Client Profile?](https://www.novo.co/help/can-i-update-client-info-or-send-an-invoice-from-a-client-profile) [Does Novo offer invoicing?](https://www.novo.co/help/does-novo-offer-invoicing) [How do I add or update a client?](https://www.novo.co/help/how-do-i-add-or-update-a-client) [How do I change my invoice payment settings?](https://www.novo.co/help/how-do-i-change-my-invoice-payment-settings) [How do I create an invoice?](https://www.novo.co/help/how-do-i-create-an-invoice) [How do I save and delete invoice drafts?](https://www.novo.co/help/how-do-i-save-and-delete-invoice-drafts) [How do I split an invoice Payment Schedule by percentage or dollar amount?](https://www.novo.co/help/how-do-i-split-an-invoice-payment-schedule) [How do I update the contact info on my invoices?](https://www.novo.co/help/how-do-i-update-the-contact-info-on-my-invoices) [What can I control when creating an invoice Payment Schedule?](https://www.novo.co/help/what-can-i-control-when-creating-an-invoice-payment-schedule) [What can I do with Novo Invoices?](https://www.novo.co/help/what-can-i-do-with-novo-invoices) [What is an invoice Payment Schedule and where do I find it?](https://www.novo.co/help/what-is-an-invoice-payment-schedule) [Where can I view a client's full invoicing and payment history, and what details are included?](https://www.novo.co/help/where-can-i-view-a-clients-invoicing-and-payment-history)

        -   **Payments and Status**

            -   [How does my client pay an invoice?](https://www.novo.co/help/how-does-my-client-pay-an-invoice)
            -   [What happens when my invoice is paid?](https://www.novo.co/help/what-happens-when-my-invoice-is-paid)
            -   [Why haven’t I received payment for an invoice?](https://www.novo.co/help/why-havent-i-received-payment-for-an-invoice)

            [Can I customize my invoices?](https://www.novo.co/help/can-i-customize-my-invoices) [Can I update client information or send a new invoice directly from a Client Profile?](https://www.novo.co/help/can-i-update-client-info-or-send-an-invoice-from-a-client-profile) [Does Novo offer invoicing?](https://www.novo.co/help/does-novo-offer-invoicing) [How do I add or update a client?](https://www.novo.co/help/how-do-i-add-or-update-a-client) [How do I change my invoice payment settings?](https://www.novo.co/help/how-do-i-change-my-invoice-payment-settings) [How do I create an invoice?](https://www.novo.co/help/how-do-i-create-an-invoice) [How do I save and delete invoice drafts?](https://www.novo.co/help/how-do-i-save-and-delete-invoice-drafts) [How do I split an invoice Payment Schedule by percentage or dollar amount?](https://www.novo.co/help/how-do-i-split-an-invoice-payment-schedule) [How do I update the contact info on my invoices?](https://www.novo.co/help/how-do-i-update-the-contact-info-on-my-invoices) [What can I control when creating an invoice Payment Schedule?](https://www.novo.co/help/what-can-i-control-when-creating-an-invoice-payment-schedule) [What can I do with Novo Invoices?](https://www.novo.co/help/what-can-i-do-with-novo-invoices) [What is an invoice Payment Schedule and where do I find it?](https://www.novo.co/help/what-is-an-invoice-payment-schedule) [Where can I view a client's full invoicing and payment history, and what details are included?](https://www.novo.co/help/where-can-i-view-a-clients-invoicing-and-payment-history)

        -   **Scheduling Invoices**

            -   [Can I send recurring invoices?](https://www.novo.co/help/can-i-send-recurring-invoices)
            -   [How do I cancel a scheduled invoice?](https://www.novo.co/help/how-do-i-cancel-a-scheduled-invoice)
            -   [How do I edit a scheduled invoice?](https://www.novo.co/help/how-do-i-edit-a-scheduled-invoice)
            -   [How do I schedule an invoice?](https://www.novo.co/help/how-do-i-schedule-an-invoice)

            [Can I customize my invoices?](https://www.novo.co/help/can-i-customize-my-invoices) [Can I update client information or send a new invoice directly from a Client Profile?](https://www.novo.co/help/can-i-update-client-info-or-send-an-invoice-from-a-client-profile) [Does Novo offer invoicing?](https://www.novo.co/help/does-novo-offer-invoicing) [How do I add or update a client?](https://www.novo.co/help/how-do-i-add-or-update-a-client) [How do I change my invoice payment settings?](https://www.novo.co/help/how-do-i-change-my-invoice-payment-settings) [How do I create an invoice?](https://www.novo.co/help/how-do-i-create-an-invoice) [How do I save and delete invoice drafts?](https://www.novo.co/help/how-do-i-save-and-delete-invoice-drafts) [How do I split an invoice Payment Schedule by percentage or dollar amount?](https://www.novo.co/help/how-do-i-split-an-invoice-payment-schedule) [How do I update the contact info on my invoices?](https://www.novo.co/help/how-do-i-update-the-contact-info-on-my-invoices) [What can I control when creating an invoice Payment Schedule?](https://www.novo.co/help/what-can-i-control-when-creating-an-invoice-payment-schedule) [What can I do with Novo Invoices?](https://www.novo.co/help/what-can-i-do-with-novo-invoices) [What is an invoice Payment Schedule and where do I find it?](https://www.novo.co/help/what-is-an-invoice-payment-schedule) [Where can I view a client's full invoicing and payment history, and what details are included?](https://www.novo.co/help/where-can-i-view-a-clients-invoicing-and-payment-history)

        -   **Viewing Invoices**

            -   [How can I track automated events or status changes on my invoices?](https://www.novo.co/help/how-can-i-track-automated-events-on-my-invoices)
            -   [How do I search for an invoice?](https://www.novo.co/help/how-do-i-search-for-an-invoice)
            -   [How do I view my invoices' billable items?](https://www.novo.co/help/how-do-i-view-my-invoices-billable-items)
            -   [Where can I see an overview of my outstanding client balances and invoicing activity?](https://www.novo.co/help/where-can-i-see-an-overview-of-my-invoicing-activity)

            [Can I customize my invoices?](https://www.novo.co/help/can-i-customize-my-invoices) [Can I update client information or send a new invoice directly from a Client Profile?](https://www.novo.co/help/can-i-update-client-info-or-send-an-invoice-from-a-client-profile) [Does Novo offer invoicing?](https://www.novo.co/help/does-novo-offer-invoicing) [How do I add or update a client?](https://www.novo.co/help/how-do-i-add-or-update-a-client) [How do I change my invoice payment settings?](https://www.novo.co/help/how-do-i-change-my-invoice-payment-settings) [How do I create an invoice?](https://www.novo.co/help/how-do-i-create-an-invoice) [How do I save and delete invoice drafts?](https://www.novo.co/help/how-do-i-save-and-delete-invoice-drafts) [How do I split an invoice Payment Schedule by percentage or dollar amount?](https://www.novo.co/help/how-do-i-split-an-invoice-payment-schedule) [How do I update the contact info on my invoices?](https://www.novo.co/help/how-do-i-update-the-contact-info-on-my-invoices) [What can I control when creating an invoice Payment Schedule?](https://www.novo.co/help/what-can-i-control-when-creating-an-invoice-payment-schedule) [What can I do with Novo Invoices?](https://www.novo.co/help/what-can-i-do-with-novo-invoices) [What is an invoice Payment Schedule and where do I find it?](https://www.novo.co/help/what-is-an-invoice-payment-schedule) [Where can I view a client's full invoicing and payment history, and what details are included?](https://www.novo.co/help/where-can-i-view-a-clients-invoicing-and-payment-history)

    -   **Novo Reserves**

        -   [How do I create a Reserve?](https://www.novo.co/help/how-do-i-create-a-reserve)
        -   [How do I move and use money in my Reserves?](https://www.novo.co/help/how-do-i-move-and-use-money-in-my-reserves)
        -   [How do I update or delete a Reserve?](https://www.novo.co/help/how-do-i-update-or-delete-a-reserve)
        -   [How do I view and manage Reserves transactions?](https://www.novo.co/help/how-do-i-view-and-manage-reserves-transactions)
        -   [How do Reserves affect my available balance?](https://www.novo.co/help/how-do-reserves-affect-my-available-balance)
        -   [What are Novo Reserves?](https://www.novo.co/help/what-are-novo-reserves)
        -   [Why is my available balance negative when I have money in Reserves?](https://www.novo.co/help/why-is-my-available-balance-negative-when-i-have-money-in-reserves)

-   **Managing Your Cards**

    -   **Debit Card**

        -   **ATM Access**

            -   [Can I use my debit card at an ATM?](https://www.novo.co/help/can-i-use-my-debit-card-at-an-atm)
            -   [Does Novo offer access to a network of fee-free ATMs?](https://www.novo.co/help/does-novo-offer-access-to-a-network-of-fee-free-atms)
            -   [How can I withdraw cash from my Novo account?](https://www.novo.co/help/how-can-i-withdraw-cash-from-my-novo-account)
            -   [Is there a limit on ATM withdrawals?](https://www.novo.co/help/is-there-a-limit-on-atm-withdrawals)
            -   [What are the fees for out-of-network ATM withdrawals?](https://www.novo.co/help/what-are-the-fees-for-out-of-network-atm-withdrawals)

        -   **Card Information**

            -   [How do I change my debit card PIN?](https://www.novo.co/help/how-do-i-change-my-debit-card-pin)
            -   [How do I update the details on my debit card?](https://www.novo.co/help/how-do-i-update-the-details-on-my-debit-card)
            -   [What address is linked my debit card?](https://www.novo.co/help/what-address-is-linked-my-debit-card)
            -   [What card network does Novo use?](https://www.novo.co/help/what-card-network-does-novo-use)
            -   [What if I don't receive my debit card?](https://www.novo.co/help/what-if-i-dont-receive-my-debit-card)

        -   **Earning Rebates**

            -   [Is my debit card eligible for Mastercard Easy Savings?](https://www.novo.co/help/is-my-debit-card-eligible-for-mastercard-easy-savings)

        -   **Filing a Dispute**

            -   [How can I check on a dispute?](https://www.novo.co/help/how-can-i-check-on-a-dispute)
            -   [How do I dispute a debit card transaction?](https://www.novo.co/help/how-do-i-dispute-a-debit-card-transaction)
            -   [How is an unauthorized charge dispute and a merchant dispute different?](https://www.novo.co/help/how-is-an-unauthorized-charge-dispute-and-a-merchant-dispute-different)
            -   [How long does it take to resolve a dispute?](https://www.novo.co/help/how-long-does-it-take-to-resolve-a-dispute)
            -   [What is a card transaction dispute?](https://www.novo.co/help/what-is-a-card-transaction-dispute)
            -   [Why can’t I dispute a charge?](https://www.novo.co/help/why-cant-i-dispute-a-charge)

        -   **Getting and Replacing Your Card**

            -   [Do I get a replacement card if mine is lost or stolen?](https://www.novo.co/help/do-i-get-a-replacement-card-if-mine-is-lost-or-stolen)
            -   [What should I do if my debit card is lost or stolen?](https://www.novo.co/help/what-should-i-do-if-my-debit-card-is-lost-or-stolen)
            -   [Where will my debit card be sent?](https://www.novo.co/help/where-will-my-debit-card-be-sent)
            -   [Will I automatically get a new debit card when mine expires?](https://www.novo.co/help/will-i-automatically-get-a-new-debit-card-when-mine-expires)
            -   [Why am I getting a new debit card?](https://www.novo.co/help/why-am-i-getting-a-new-debit-card)

        -   **International Use**

            -   [Do I need to submit a travel notice?](https://www.novo.co/help/do-i-need-to-submit-a-travel-notice)
            -   [Does Novo charge international debit or ATM fees?](https://www.novo.co/help/does-novo-charge-international-debit-or-atm-fees)
            -   [How do I find exchange rates?](https://www.novo.co/help/how-do-i-find-exchange-rates)

        -   **Issues and Security**

            -   [What if I don't recognize a debit card charge?](https://www.novo.co/help/what-if-i-dont-recognize-a-debit-card-charge)
            -   [Why am I blocked from certain merchants or countries?](https://www.novo.co/help/why-am-i-blocked-from-certain-merchants-or-countries)
            -   [Why do I need to confirm a transaction?](https://www.novo.co/help/why-do-i-need-to-confirm-a-transaction)
            -   [Why is my debit card charge higher than I expected?](https://www.novo.co/help/why-is-my-debit-card-charge-higher-than-i-expected)
            -   [Why is there a hold on my debit card?](https://www.novo.co/help/why-is-there-a-hold-on-my-debit-card)
            -   [Why isn't my debit card working?](https://www.novo.co/help/why-isnt-my-debit-card-working)
            -   [Why was my debit card declined?](https://www.novo.co/help/why-was-my-debit-card-declined)

        -   **Limits and Controls**

            -   [Can I have more than one debit card?](https://www.novo.co/help/can-i-have-more-than-one-debit-card)
            -   [Can I provide debit cards to my team members or employees?](https://www.novo.co/help/can-i-provide-debit-cards-to-my-team-members-or-employees)
            -   [How can I manage my daily spending limit?](https://www.novo.co/help/how-can-i-manage-my-daily-spending-limit)

        -   **Using Your Debit Card**

            -   [Can I set up autopay with my debit card?](https://www.novo.co/help/can-i-set-up-autopay-with-my-debit-card)
            -   [Do authorization holds affect my account balance?](https://www.novo.co/help/do-authorization-holds-affect-my-account-balance)
            -   [How do I activate my debit card?](https://www.novo.co/help/how-do-i-activate-my-debit-card)
            -   [How do I freeze or unfreeze my debit card?](https://www.novo.co/help/how-do-i-freeze-or-unfreeze-my-debit-card)
            -   [How do I manage my debit card?](https://www.novo.co/help/how-do-i-manage-my-debit-card)
            -   [How do I stop recurring charges on my debit card?](https://www.novo.co/help/how-do-i-stop-recurring-charges-on-my-debit-card)
            -   [What is a pending debit card transaction?](https://www.novo.co/help/what-is-a-pending-debit-card-transaction)
            -   [When do debit card transactions post?](https://www.novo.co/help/when-do-debit-card-transactions-post)

        -   **Virtual Debit Card**

            -   [Does my business name or DBA appear on my virtual debit card?](https://www.novo.co/help/does-my-business-name-or-dba-appear-on-my-virtual-debit-card)
            -   [How do I use my virtual debit card for online purchases?](https://www.novo.co/help/how-do-i-use-my-virtual-debit-card-for-online-purchases)
            -   [What is the billing address for my virtual debit card](https://www.novo.co/help/what-is-the-billing-address-for-my-virtual-debit-card)
            -   [Where do I find my virtual debit card’s details](https://www.novo.co/help/where-do-i-find-my-virtual-debit-cards-details)

    -   **Digital Wallets**

        -   **Apple Pay**

            -   [Can I connect my card to Apple Pay?](https://www.novo.co/help/can-i-connect-my-card-to-apple-pay)

            [Does my card have tap to pay?](https://www.novo.co/help/does-my-card-have-tap-to-pay)

        -   **Google Pay**

            -   [Can I connect my card to Google Pay?](https://www.novo.co/help/can-i-connect-my-card-to-google-pay)

            [Does my card have tap to pay?](https://www.novo.co/help/does-my-card-have-tap-to-pay)

        -   **Samsung Pay**

            -   [Can I connect my card to Samsung Pay?](https://www.novo.co/help/can-i-connect-my-card-to-samsung-pay)

            [Does my card have tap to pay?](https://www.novo.co/help/does-my-card-have-tap-to-pay)

    -   **Novo Business Credit Card**

        -   **Applying for an Account**

            -   [Can my credit card name have special characters?](https://www.novo.co/help/can-my-credit-card-name-have-special-characters)
            -   [How do I return to a credit card application I started?](https://www.novo.co/help/how-do-i-return-to-a-credit-card-application-i-started)
            -   [How long will it take to review my credit card application?](https://www.novo.co/help/how-long-will-it-take-to-review-my-credit-card-application)
            -   [What do I need for my credit card application?](https://www.novo.co/help/what-do-i-need-for-my-credit-card-application)
            -   [What’s the status of my credit card application?](https://www.novo.co/help/whats-the-status-of-my-credit-card-application)
            -   [When will I receive my Novo Business Credit Card?](https://www.novo.co/help/when-will-i-receive-my-novo-business-credit-card)
            -   [Why was my Novo Business Credit Card application denied?](https://www.novo.co/help/why-was-my-novo-business-credit-card-application-denied)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Closing Your Card**

            -   [Can I cancel my request to close my credit card account?](https://www.novo.co/help/can-i-cancel-my-request-to-close-my-credit-card-account)
            -   [Can I close my credit card account if I still have a balance?](https://www.novo.co/help/can-i-close-my-credit-card-account-if-i-still-have-a-balance)
            -   [Why can't I close my credit card account?](https://www.novo.co/help/why-cant-i-close-my-credit-card-account)
            -   [Will I receive a final statement after I close my credit card account?](https://www.novo.co/help/will-i-receive-a-final-statement-after-i-close-my-credit-card-account)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Credit Reporting**

            -   **Credit Report Disputes**

                -   [Can I file a dispute to remove accurate info from my credit report?](https://www.novo.co/help/can-i-file-a-dispute-to-remove-accurate-info-from-my-credit-report)
                -   [Can I file a dispute to remove inaccurate or incomplete info on my credit report?](https://www.novo.co/help/can-i-file-a-dispute-to-remove-inaccurate-or-incomplete-info-on-my-credit-report)
                -   [How long do credit report disputes take?](https://www.novo.co/help/how-long-do-credit-report-disputes-take)

                [Are missed credit card payments reported to the credit bureaus?](https://www.novo.co/help/are-missed-credit-card-payments-reported-to-the-credit-bureaus) [Can I get a late credit card payment removed from my credit report?](https://www.novo.co/help/can-i-get-a-late-credit-card-payment-removed-from-my-credit-report) [Does Novo report my credit card activity to the major credit bureaus?](https://www.novo.co/help/does-novo-report-my-credit-card-activity-to-the-major-credit-bureaus) [How do credit bureaus determine what goes on my credit report?](https://www.novo.co/help/how-do-credit-bureaus-determine-what-goes-on-my-credit-report) [How does closing a credit card affect my credit score?](https://www.novo.co/help/how-does-closing-a-credit-card-affect-my-credit-score) [How does my credit card affect my credit score?](https://www.novo.co/help/how-does-my-credit-card-affect-my-credit-score) [How does my credit card balance affect my credit score?](https://www.novo.co/help/how-does-my-credit-card-balance-affect-my-credit-score) [How long does my information stay on my credit report?](https://www.novo.co/help/how-long-does-my-information-stay-on-my-credit-report) [What can I do to build good credit history to raise my credit score?](https://www.novo.co/help/what-can-i-do-to-build-good-credit-history-to-raise-my-credit-score) [What is a credit report and how do I get mine?](https://www.novo.co/help/what-is-a-credit-report-and-how-do-i-get-mine) [When does Novo report to credit bureaus?](https://www.novo.co/help/when-does-novo-report-to-credit-bureaus) [Why is a credit score important?](https://www.novo.co/help/why-is-a-credit-score-important)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Filing a Dispute**

            -   [Can I dispute a pending transaction?](https://www.novo.co/help/can-i-dispute-a-pending-transaction)
            -   [How do I file a credit card dispute?](https://www.novo.co/help/how-do-i-file-a-credit-card-dispute)
            -   [What happens if my credit card dispute is denied?](https://www.novo.co/help/what-happens-if-my-credit-card-dispute-is-denied)
            -   [What is the credit card fraud dispute process?](https://www.novo.co/help/what-is-the-credit-card-fraud-dispute-process)
            -   [What is the credit card merchant dispute process?](https://www.novo.co/help/what-is-the-credit-card-merchant-dispute-process)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Interest Rates and Fees**

            -   [Are there any credit card fees?](https://www.novo.co/help/are-there-any-credit-card-fees)
            -   [Can I get a cash advance?](https://www.novo.co/help/can-i-get-a-cash-advance)
            -   [Does Novo offer a grace period for purchases?](https://www.novo.co/help/does-novo-offer-a-grace-period-for-purchases)
            -   [How can I avoid paying interest on my credit card?](https://www.novo.co/help/how-can-i-avoid-paying-interest-on-my-credit-card)
            -   [How is interest calculated on my credit card?](https://www.novo.co/help/how-is-interest-calculated-on-my-credit-card)
            -   [What is the Novo credit card's APR?](https://www.novo.co/help/what-is-the-novo-credit-cards-apr)
            -   [What is the Prime Rate?](https://www.novo.co/help/what-is-the-prime-rate)
            -   [What's the fee for late credit card payments?](https://www.novo.co/help/whats-the-fee-for-late-credit-card-payments)
            -   [What's the interest rate for the Novo credit card?](https://www.novo.co/help/whats-the-interest-rate-for-the-novo-credit-card)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Limits and Controls**

            -   [Can additional users view my Novo Business Credit Card account?](https://www.novo.co/help/can-additional-users-view-my-novo-business-credit-card-account)
            -   [Can I go over my credit limit?](https://www.novo.co/help/can-i-go-over-my-credit-limit)
            -   [Can I increase my credit card limit?](https://www.novo.co/help/can-i-increase-my-credit-card-limit)
            -   [How do I freeze or unfreeze my credit card?](https://www.novo.co/help/how-do-i-freeze-or-unfreeze-my-credit-card)
            -   [How is my credit limit determined?](https://www.novo.co/help/how-is-my-credit-limit-determined)
            -   [What happens when I reach my credit limit?](https://www.novo.co/help/what-happens-when-i-reach-my-credit-limit)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Payments and Statements**

            -   **Statements**

                -   [How can I get a copy of my credit card statement?](https://www.novo.co/help/how-can-i-get-a-copy-of-my-credit-card-statement)

                [Can I cancel a credit card payment?](https://www.novo.co/help/can-i-cancel-a-credit-card-payment) [Can I pay my Novo credit card with another bank account?](https://www.novo.co/help/can-i-pay-my-novo-credit-card-with-another-bank-account) [How do I make a credit card payment?](https://www.novo.co/help/how-do-i-make-a-credit-card-payment) [If my Novo checking account is closed, can I still make a credit card payment?](https://www.novo.co/help/if-my-novo-checking-account-is-closed-can-i-still-make-a-credit-card-payment) [What happens if I only make the minimum payment on my credit card?](https://www.novo.co/help/what-happens-if-i-only-make-the-minimum-payment-on-my-credit-card)

            -   **Timing**

                -   [How do I set up automatic payments?](https://www.novo.co/help/how-do-i-set-up-automatic-payments)
                -   [How long does it take to process a credit card payment?](https://www.novo.co/help/how-long-does-it-take-to-process-a-credit-card-payment)
                -   [What happens if I miss a credit card payment?](https://www.novo.co/help/what-happens-if-i-miss-a-credit-card-payment)
                -   [What is my credit card billing cycle?](https://www.novo.co/help/what-is-my-credit-card-billing-cycle)
                -   [When is my credit card payment due?](https://www.novo.co/help/when-is-my-credit-card-payment-due)
                -   [When will my available credit update after I make a payment?](https://www.novo.co/help/when-will-my-available-credit-update-after-i-make-a-payment)
                -   [When will my credit card automatic payments start?](https://www.novo.co/help/when-will-my-credit-card-automatic-payments-start)
                -   [When will my credit card payment be withdrawn from my account?](https://www.novo.co/help/when-will-my-credit-card-payment-be-withdrawn-from-my-account)
                -   [Why hasn't my credit card payment posted yet?](https://www.novo.co/help/why-hasnt-my-credit-card-payment-posted-yet)

                [Can I cancel a credit card payment?](https://www.novo.co/help/can-i-cancel-a-credit-card-payment) [Can I pay my Novo credit card with another bank account?](https://www.novo.co/help/can-i-pay-my-novo-credit-card-with-another-bank-account) [How do I make a credit card payment?](https://www.novo.co/help/how-do-i-make-a-credit-card-payment) [If my Novo checking account is closed, can I still make a credit card payment?](https://www.novo.co/help/if-my-novo-checking-account-is-closed-can-i-still-make-a-credit-card-payment) [What happens if I only make the minimum payment on my credit card?](https://www.novo.co/help/what-happens-if-i-only-make-the-minimum-payment-on-my-credit-card)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Resolving Issues**

            -   [How can I fix an issue with a credit card charge?](https://www.novo.co/help/how-can-i-fix-an-issue-with-a-credit-card-charge)
            -   [What happens when I receive a refund on my credit card?](https://www.novo.co/help/what-happens-when-i-receive-a-refund-on-my-credit-card)
            -   [When will I get my credit card refund?](https://www.novo.co/help/when-will-i-get-my-credit-card-refund)
            -   [Why is my credit card not working?\*](https://www.novo.co/help/why-is-my-credit-card-not-working)
            -   [Why was I charged more on my credit card than expected?](https://www.novo.co/help/why-was-i-charged-more-on-my-credit-card-than-expected)
            -   [Why was I charged twice for the same transaction? (authorization holds)](https://www.novo.co/help/why-was-i-charged-twice-for-the-same-transaction-authorization-holds)
            -   [Why was my credit card declined?](https://www.novo.co/help/why-was-my-credit-card-declined)
            -   [Why was my credit card frozen?](https://www.novo.co/help/why-was-my-credit-card-frozen)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Security and Replacement**

            -   [How do I order a replacement credit card?](https://www.novo.co/help/how-do-i-order-a-replacement-credit-card)
            -   [What happens when my credit card expires?](https://www.novo.co/help/what-happens-when-my-credit-card-expires)
            -   [What if my (credit) card is lost or stolen?](https://www.novo.co/help/what-if-my-credit-card-is-lost-or-stolen)
            -   [What is the CVV on my credit card?](https://www.novo.co/help/what-is-the-cvv-on-my-credit-card)
            -   [Will my credit card number change when I get a replacement card?](https://www.novo.co/help/will-my-credit-card-number-change-when-i-get-a-replacement-card)
            -   [Will recurring payments transfer to my replacement credit card?](https://www.novo.co/help/will-recurring-payments-transfer-to-my-replacement-credit-card)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Using Your Card**

            -   **Rewards**

                -   [Can I apply my rewards toward credit card payments?](https://www.novo.co/help/can-i-apply-my-rewards-toward-credit-card-payments)
                -   [Do I earn rewards with both my physical and virtual credit cards?](https://www.novo.co/help/do-i-earn-rewards-with-both-my-physical-and-virtual-credit-cards)
                -   [Do my cashback rewards expire?](https://www.novo.co/help/do-my-cashback-rewards-expire)
                -   [Does Novo offer or participate in a credit card rewards program?](https://www.novo.co/help/does-novo-offer-or-participate-in-a-credit-card-rewards-program)
                -   [How do cashback rewards work?](https://www.novo.co/help/how-do-cashback-rewards-work)
                -   [How do I redeem my rewards?](https://www.novo.co/help/how-do-i-redeem-my-rewards)
                -   [How does Mastercard Easy Savings work?](https://www.novo.co/help/how-does-mastercard-easy-savings-work)

                [How do I activate my physical credit card?](https://www.novo.co/help/how-do-i-activate-my-physical-credit-card) [How do I activate my virtual credit card?](https://www.novo.co/help/how-do-i-activate-my-virtual-credit-card) [How do I close my credit card account?](https://www.novo.co/help/how-do-i-close-my-credit-card-account) [How do I manage my credit card?](https://www.novo.co/help/how-do-i-manage-my-credit-card) [How do I set up online alerts or notifications for my credit card?](https://www.novo.co/help/how-do-i-set-up-online-alerts-or-notifications-for-my-credit-card) [How do I start and stop recurring charges on my Novo credit card?](https://www.novo.co/help/how-do-i-start-and-stop-recurring-charges-on-my-novo-credit-card) [What is a “pending” credit card transaction?](https://www.novo.co/help/what-is-a-pending-credit-card-transaction) [When is a pending transaction finalized?](https://www.novo.co/help/when-is-a-pending-transaction-finalized)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

        -   **Your Account Information**

            -   [How can I check my credit card account balance?](https://www.novo.co/help/how-can-i-check-my-credit-card-account-balance)
            -   [How do I request my credit card PIN?](https://www.novo.co/help/how-do-i-request-my-credit-card-pin)

            [Can Novo's credit card help me build business credit?](https://www.novo.co/help/can-novos-credit-card-help-me-build-business-credit) [Does Novo offer a business credit card?](https://www.novo.co/help/does-novo-offer-a-business-credit-card) [Is the Novo Business Credit Card for personal or business use?](https://www.novo.co/help/is-the-novo-business-credit-card-for-personal-or-business-use) [What is the Novo Business Credit Card?](https://www.novo.co/help/what-is-the-novo-business-credit-card) [Why should I get a credit card from Novo?](https://www.novo.co/help/why-should-i-get-a-credit-card-from-novo)

    -   **Payment Apps**

        -   **PayPal**

            -   [How do I add my virtual card to my PayPal account?](https://www.novo.co/help/how-do-i-add-my-virtual-card-to-my-paypal-account)

        -   **Venmo**

            -   [How do I add my virtual card to my Venmo account?](https://www.novo.co/help/how-do-i-add-my-virtual-card-to-my-venmo-account)

-   **Moving Money**

    -   **Adding Money**

        -   **Deposits**

            -   **Card Deposits**

                -   [Can I add money to my account with a debit card?](https://www.novo.co/help/can-i-add-money-to-my-account-with-a-debit-card)

                [How can I deposit money into my account?](https://www.novo.co/help/how-can-i-deposit-money-into-my-account) [What can I do if my deposit failed?](https://www.novo.co/help/what-can-i-do-if-my-deposit-failed) [Why did my deposit fail?](https://www.novo.co/help/why-did-my-deposit-fail)

            -   **Cash Deposits**

                -   [Can I deposit cash into my account?](https://www.novo.co/help/can-i-deposit-cash-into-my-account)

                [How can I deposit money into my account?](https://www.novo.co/help/how-can-i-deposit-money-into-my-account) [What can I do if my deposit failed?](https://www.novo.co/help/what-can-i-do-if-my-deposit-failed) [Why did my deposit fail?](https://www.novo.co/help/why-did-my-deposit-fail)

            -   **Check Deposits**

                -   [Can I cancel my check deposit?](https://www.novo.co/help/can-i-cancel-my-check-deposit)
                -   [Can I deposit eChecks to my account?](https://www.novo.co/help/can-i-deposit-echecks-to-my-account)
                -   [Can I deposit post-dated checks to my account?](https://www.novo.co/help/can-i-deposit-post-dated-checks-to-my-account)
                -   [Can I deposit third-party checks into my account?](https://www.novo.co/help/can-i-deposit-third-party-checks-into-my-account)
                -   [Can I endorse my check with a stamp?](https://www.novo.co/help/can-i-endorse-my-check-with-a-stamp)
                -   [Can I remove a hold on a deposited check?](https://www.novo.co/help/can-i-remove-a-hold-on-a-deposited-check)
                -   [Can I view an image of my deposited check?](https://www.novo.co/help/can-i-view-an-image-of-my-deposited-check)
                -   [Do I need to keep my check after it's deposited](https://www.novo.co/help/do-i-need-to-keep-my-check-after-its-deposited)
                -   [How can I check the status of my check deposit?](https://www.novo.co/help/how-can-i-check-the-status-of-my-check-deposit)
                -   [How do I deposit checks into my account?](https://www.novo.co/help/how-do-i-deposit-checks-into-my-account)
                -   [How do I deposit money orders or cashier’s checks to my account?](https://www.novo.co/help/how-do-i-deposit-money-orders-or-cashiers-checks-to-my-account)
                -   [How long do holds last on deposited checks?](https://www.novo.co/help/how-long-do-holds-last-on-deposited-checks)
                -   [Is there a fee for check deposits?](https://www.novo.co/help/is-there-a-fee-for-check-deposits)
                -   [What are the limits for check deposits?](https://www.novo.co/help/what-are-the-limits-for-check-deposits)
                -   [What is the identity verification process for check deposits?](https://www.novo.co/help/what-is-the-identity-verification-process-for-check-deposits)
                -   [What should I do if I can’t get verified with Novo?](https://www.novo.co/help/what-should-i-do-if-i-cant-get-verified-with-novo)
                -   [What types of checks does Novo accept?](https://www.novo.co/help/what-types-of-checks-does-novo-accept)
                -   [When will my check deposit be available](https://www.novo.co/help/when-will-my-check-deposit-be-available)
                -   [Why is it taking so long to verify my ID?](https://www.novo.co/help/why-is-it-taking-so-long-to-verify-my-id)
                -   [Why is there a hold on my check?](https://www.novo.co/help/why-is-there-a-hold-on-my-check)
                -   [Why was my check rejected?](https://www.novo.co/help/why-was-my-check-rejected)
                -   [Why was my check returned?](https://www.novo.co/help/why-was-my-check-returned)
                -   [Can I add notes like “for deposit only” to a check](https://www.novo.co/help/can-i-add-notes-like-for-deposit-only-to-a-check)

                [How can I deposit money into my account?](https://www.novo.co/help/how-can-i-deposit-money-into-my-account) [What can I do if my deposit failed?](https://www.novo.co/help/what-can-i-do-if-my-deposit-failed) [Why did my deposit fail?](https://www.novo.co/help/why-did-my-deposit-fail)

            -   **Limits and Availability**

                -   [Do I need to request a limit increase for an incoming deposit?](https://www.novo.co/help/do-i-need-to-request-a-limit-increase-for-an-incoming-deposit)
                -   [When will my money be available?](https://www.novo.co/help/when-will-my-money-be-available)
                -   [Where is my deposit?](https://www.novo.co/help/where-is-my-deposit)

                [How can I deposit money into my account?](https://www.novo.co/help/how-can-i-deposit-money-into-my-account) [What can I do if my deposit failed?](https://www.novo.co/help/what-can-i-do-if-my-deposit-failed) [Why did my deposit fail?](https://www.novo.co/help/why-did-my-deposit-fail)

            -   **Transfer From Another Bank**

                -   [How do I initiate an ACH pull?](https://www.novo.co/help/how-do-i-initiate-an-ach-pull)
                -   [How do I transfer money from another bank account to my new Novo account?](https://www.novo.co/help/how-do-i-transfer-money-from-another-bank-account-to-my-new-novo-account)
                -   [How do I transfer money from another bank to my account?](https://www.novo.co/help/how-do-i-transfer-money-from-another-bank-to-my-account)

                [How can I deposit money into my account?](https://www.novo.co/help/how-can-i-deposit-money-into-my-account) [What can I do if my deposit failed?](https://www.novo.co/help/what-can-i-do-if-my-deposit-failed) [Why did my deposit fail?](https://www.novo.co/help/why-did-my-deposit-fail)

    -   **Linking External Accounts**

        -   [Can I link an external bank account to my account?](https://www.novo.co/help/can-i-link-an-external-bank-account-to-my-account)
        -   [Why does my linked bank account show an error?](https://www.novo.co/help/why-does-my-linked-bank-account-show-an-error)

    -   **P2P Apps**

        -   **Cash App**

            -   [How do I connect Cash App to my account?](https://www.novo.co/help/how-do-i-connect-cash-app-to-my-account)
            -   [Where is my Cash App transfer?](https://www.novo.co/help/where-is-my-cash-app-transfer)

            [Can I connect Zelle to my account?](https://www.novo.co/help/can-i-connect-zelle-to-my-account) [Do I pay a fee when getting paid from other parties?](https://www.novo.co/help/do-i-pay-a-fee-when-getting-paid-from-other-parties) [How long to transfers from P2P apps take?](https://www.novo.co/help/how-long-to-transfers-from-p2p-apps-take) [Is there a fee per payment?](https://www.novo.co/help/is-there-a-fee-per-payment) [What is a person-to-person (P2P) payment??](https://www.novo.co/help/what-is-a-person-to-person-p2p-payment) [Which person-to-person (P2P) apps does Novo support?](https://www.novo.co/help/which-person-to-person-p2p-apps-does-novo-support) [Why is my transfer from a P2P app delayed?](https://www.novo.co/help/why-is-my-transfer-from-a-p2p-app-delayed)

        -   **Venmo**

            -   [How do I connect Venmo to my account?](https://www.novo.co/help/how-do-i-connect-venmo-to-my-account)

            [Can I connect Zelle to my account?](https://www.novo.co/help/can-i-connect-zelle-to-my-account) [Do I pay a fee when getting paid from other parties?](https://www.novo.co/help/do-i-pay-a-fee-when-getting-paid-from-other-parties) [How long to transfers from P2P apps take?](https://www.novo.co/help/how-long-to-transfers-from-p2p-apps-take) [Is there a fee per payment?](https://www.novo.co/help/is-there-a-fee-per-payment) [What is a person-to-person (P2P) payment??](https://www.novo.co/help/what-is-a-person-to-person-p2p-payment) [Which person-to-person (P2P) apps does Novo support?](https://www.novo.co/help/which-person-to-person-p2p-apps-does-novo-support) [Why is my transfer from a P2P app delayed?](https://www.novo.co/help/why-is-my-transfer-from-a-p2p-app-delayed)

    -   **Receiving Money**

        -   **Getting Paid**

            -   **Accepting Payment**

                -   [Are there limits on Novo Boost?](https://www.novo.co/help/are-there-limits-on-novo-boost)
                -   [Can I add PayPal to my dashboard?](https://www.novo.co/help/can-i-add-paypal-to-my-dashboard)
                -   [Can I add Square to my dashboard?](https://www.novo.co/help/can-i-add-square-to-my-dashboard)
                -   [Can I add Stripe to my dashboard?](https://www.novo.co/help/can-i-add-stripe-to-my-dashboard)
                -   [Can I connect Amazon Seller to my account?](https://www.novo.co/help/can-i-connect-amazon-seller-to-my-account)
                -   [Can I connect payment processors or other business apps?](https://www.novo.co/help/can-i-connect-payment-processors-or-other-business-apps)
                -   [Can I connect Square to my account?](https://www.novo.co/help/can-i-connect-square-to-my-account)
                -   [Can I connect to Stripe to my account?](https://www.novo.co/help/can-i-connect-to-stripe-to-my-account)
                -   [Can I lose access to Novo Boost?](https://www.novo.co/help/can-i-lose-access-to-novo-boost)
                -   [Can I request payments through the app?](https://www.novo.co/help/can-i-request-payments-through-the-app)
                -   [Can I send money to my Stripe account?](https://www.novo.co/help/can-i-send-money-to-my-stripe-account)
                -   [How can I connect PayPal to my account?](https://www.novo.co/help/how-can-i-connect-paypal-to-my-account)
                -   [How can I get Novo Boost?](https://www.novo.co/help/how-can-i-get-novo-boost)
                -   [How do I access the Stripe perk?](https://www.novo.co/help/how-do-i-access-the-stripe-perk)
                -   [How do I receive Amazon payouts to my account?](https://www.novo.co/help/how-do-i-receive-amazon-payouts-to-my-account)
                -   [How do I receive PayPal payouts to my account?](https://www.novo.co/help/how-do-i-receive-paypal-payouts-to-my-account)
                -   [How do I receive Square payouts to my account?](https://www.novo.co/help/how-do-i-receive-square-payouts-to-my-account)
                -   [How do I receive Stripe payouts to my account?](https://www.novo.co/help/how-do-i-receive-stripe-payouts-to-my-account)
                -   [How do I set up a direct deposit?](https://www.novo.co/help/how-do-i-set-up-a-direct-deposit)
                -   [How long does it take for a direct deposit to start?](https://www.novo.co/help/how-long-does-it-take-for-a-direct-deposit-to-start)
                -   [Is there a fee to connect to payment processors or other business apps?](https://www.novo.co/help/is-there-a-fee-to-connect-to-payment-processors-or-other-business-apps)
                -   [What is Novo Boost?](https://www.novo.co/help/what-is-novo-boost)
                -   [Why am I getting this Stripe error: this Connect account cannot currently make live charges?](https://www.novo.co/help/why-am-i-getting-this-stripe-error-this-connect-account-cannot-currently-make-live-charges)
                -   [Why does one Stripe payout show multiple transactions?](https://www.novo.co/help/why-does-one-stripe-payout-show-multiple-transactions)
                -   [Why haven't I received a payment?](https://www.novo.co/help/why-havent-i-received-a-payment)
                -   [Why is my direct deposit late?](https://www.novo.co/help/why-is-my-direct-deposit-late)

                [How do I share my account infomation with vendors or contractors to get paid?](https://www.novo.co/help/how-do-i-share-my-account-infomation-with-vendors-or-contractors-to-get-paid) [What name should someone use when making a payment to me?](https://www.novo.co/help/what-name-should-someone-use-when-making-a-payment-to-me)

        -   **Receiving Transfers and Wires**

            -   [Can I receive wires in another currency?](https://www.novo.co/help/can-i-receive-wires-in-another-currency)
            -   [Do wire transfers vary by bank?](https://www.novo.co/help/do-wire-transfers-vary-by-bank)
            -   [How can I find Novo's SWIFT code?](https://www.novo.co/help/how-can-i-find-novos-swift-code)
            -   [How do I receive a wire transfer?](https://www.novo.co/help/how-do-i-receive-a-wire-transfer)
            -   [How do I wire money to my account?](https://www.novo.co/help/how-do-i-wire-money-to-my-account)
            -   [What information do I need to receive a wire?](https://www.novo.co/help/what-information-do-i-need-to-receive-a-wire)
            -   [Why can’t I receive a wire?](https://www.novo.co/help/why-cant-i-receive-a-wire)

    -   **Sending Money**

        -   **Mailed Checks**

            -   [Can I add a note or memo to a mailed check?](https://www.novo.co/help/can-i-add-a-note-or-memo-to-a-mailed-check)
            -   [Can I send a mailed check outside the US?](https://www.novo.co/help/can-i-send-a-mailed-check-outside-the-us)
            -   [How do I stop a check?](https://www.novo.co/help/how-do-i-stop-a-check)
            -   [What kind of checks does Novo provide?](https://www.novo.co/help/what-kind-of-checks-does-novo-provide)
            -   [Where is my mailed check number?](https://www.novo.co/help/where-is-my-mailed-check-number)

        -   **Making Payments**

            -   **Managing Payees**

                -   [How do I add a payee to my account?](https://www.novo.co/help/how-do-i-add-a-payee-to-my-account)
                -   [How do I edit a payee on my account?](https://www.novo.co/help/how-do-i-edit-a-payee-on-my-account)
                -   [How do I remove a payee from my account?](https://www.novo.co/help/how-do-i-remove-a-payee-from-my-account)
                -   [Why do my payee’s account details look different from what they see?](https://www.novo.co/help/why-do-my-payees-account-details-look-different-from-what-they-see)

                [Can I cancel a payment after I send it?](https://www.novo.co/help/can-i-cancel-a-payment-after-i-send-it) [Can I set up recurring payments?](https://www.novo.co/help/can-i-set-up-recurring-payments) [Can I stop a payment that I already authorized and sent?](https://www.novo.co/help/can-i-stop-a-payment-that-i-already-authorized-and-sent) [Can Novo reverse payments?](https://www.novo.co/help/can-novo-reverse-payments) [How do I send money or make a payment?](https://www.novo.co/help/how-do-i-send-money-or-make-a-payment) [What if I accidentally send money to the wrong account?](https://www.novo.co/help/what-if-i-accidentally-send-money-to-the-wrong-account) [What is a "descriptive withdrawal"?](https://www.novo.co/help/what-is-a-descriptive-withdrawal) [Why can't I send money?](https://www.novo.co/help/why-cant-i-send-money)

            -   **Payment Status**

                -   [Why is my payment still pending?](https://www.novo.co/help/why-is-my-payment-still-pending)
                -   [Why was my payment returned?](https://www.novo.co/help/why-was-my-payment-returned)

                [Can I cancel a payment after I send it?](https://www.novo.co/help/can-i-cancel-a-payment-after-i-send-it) [Can I set up recurring payments?](https://www.novo.co/help/can-i-set-up-recurring-payments) [Can I stop a payment that I already authorized and sent?](https://www.novo.co/help/can-i-stop-a-payment-that-i-already-authorized-and-sent) [Can Novo reverse payments?](https://www.novo.co/help/can-novo-reverse-payments) [How do I send money or make a payment?](https://www.novo.co/help/how-do-i-send-money-or-make-a-payment) [What if I accidentally send money to the wrong account?](https://www.novo.co/help/what-if-i-accidentally-send-money-to-the-wrong-account) [What is a "descriptive withdrawal"?](https://www.novo.co/help/what-is-a-descriptive-withdrawal) [Why can't I send money?](https://www.novo.co/help/why-cant-i-send-money)

        -   **Sending Wires**

            -   **Domestic Wires**

                -   [Can I cancel a wire?](https://www.novo.co/help/can-i-cancel-a-wire)
                -   [How do I send a (domestic) wire?](https://www.novo.co/help/how-do-i-send-a-domestic-wire)
                -   [How much does it cost to send a wire?](https://www.novo.co/help/how-much-does-it-cost-to-send-a-wire)
                -   [What is the cut-off time for domestic wires?](https://www.novo.co/help/what-is-the-cut-off-time-for-domestic-wires)
                -   [Why can’t I send a wire on my new phone?](https://www.novo.co/help/why-cant-i-send-a-wire-on-my-new-phone)
                -   [Why did my wire transfer fail?](https://www.novo.co/help/why-did-my-wire-transfer-fail)

                [Can I send and receive wires?](https://www.novo.co/help/can-i-send-and-receive-wires)

            -   **International Transfers and Wires**

                -   [Can I change my recipient’s details?](https://www.novo.co/help/can-i-change-my-recipients-details)
                -   [Can I send money outside the US?](https://www.novo.co/help/can-i-send-money-outside-the-us)
                -   [Does Wise set limits for transfers?](https://www.novo.co/help/does-wise-set-limits-for-transfers)
                -   [How can I make a payment with "error in updating quote"?](https://www.novo.co/help/how-can-i-make-a-payment-with-error-in-updating-quote)
                -   [How can I receive a payment from Wise?](https://www.novo.co/help/how-can-i-receive-a-payment-from-wise)
                -   [How do I cancel a Wise transfer?](https://www.novo.co/help/how-do-i-cancel-a-wise-transfer)
                -   [How do I send international transfers with Wise?](https://www.novo.co/help/how-do-i-send-international-transfers-with-wise)
                -   [How do I transfer money outside the US in a different currency?](https://www.novo.co/help/how-do-i-transfer-money-outside-the-us-in-a-different-currency)
                -   [How does Wise determine its fees?](https://www.novo.co/help/how-does-wise-determine-its-fees)
                -   [How long does a transfer take with Wise?](https://www.novo.co/help/how-long-does-a-transfer-take-with-wise)
                -   [How secure is Wise?](https://www.novo.co/help/how-secure-is-wise)
                -   [What is the real exchange rate?](https://www.novo.co/help/what-is-the-real-exchange-rate)
                -   [Why did Wise charge me the wrong amount?](https://www.novo.co/help/why-did-wise-charge-me-the-wrong-amount)
                -   [Why was my Wise payment removed and redeposited?](https://www.novo.co/help/why-was-my-wise-payment-removed-and-redeposited)

                [Can I send and receive wires?](https://www.novo.co/help/can-i-send-and-receive-wires)

        -   **Transfers Out**

            -   **Canceling a Transaction**

                -   [Can I cancel an Express ACH transfer?](https://www.novo.co/help/can-i-cancel-an-express-ach-transfer)
                -   [If I cancel a transfer, is the fee reimbursed?](https://www.novo.co/help/if-i-cancel-a-transfer-is-the-fee-reimbursed)

            -   **Limits and Fees**

                -   [Do my transfer limits apply to Express ACH?](https://www.novo.co/help/do-my-transfer-limits-apply-to-express-ach)
                -   [Does Express ACH have different transfer limits?](https://www.novo.co/help/does-express-ach-have-different-transfer-limits)
                -   [Does the ACH fee get reimbursed if my payment is returned?](https://www.novo.co/help/does-the-ach-fee-get-reimbursed-if-my-payment-is-returned)
                -   [How does the Express ACH fee appear on my account statement?](https://www.novo.co/help/how-does-the-express-ach-fee-appear-on-my-account-statement)
                -   [What are my ACH transfer limits per transaction and per day?](https://www.novo.co/help/what-are-my-ach-transfer-limits-per-transaction-and-per-day)
                -   [Why does the Express ACH fee change?](https://www.novo.co/help/why-does-the-express-ach-fee-change)
                -   [Will I be charged a fee for incoming transfers?](https://www.novo.co/help/will-i-be-charged-a-fee-for-incoming-transfers)
                -   [Will my recipient receive the full transfer?](https://www.novo.co/help/will-my-recipient-receive-the-full-transfer)

            -   **Types of Transfers**

                -   [Can I cancel an ACH push?](https://www.novo.co/help/can-i-cancel-an-ach-push)
                -   [Can I cancel an ACH transfer?](https://www.novo.co/help/can-i-cancel-an-ach-transfer)
                -   [Can I send domestic and international wires?](https://www.novo.co/help/can-i-send-domestic-and-international-wires)
                -   [Does my account have instant transfers or same-day ACH?](https://www.novo.co/help/does-my-account-have-instant-transfers-or-same-day-ach)
                -   [How do I send an ACH push from my account?](https://www.novo.co/help/how-do-i-send-an-ach-push-from-my-account)
                -   [How long do ACH transfers take?](https://www.novo.co/help/how-long-do-ach-transfers-take)
                -   [How long does it take for a transfer to reach my payee’s account?](https://www.novo.co/help/how-long-does-it-take-for-a-transfer-to-reach-my-payees-account)
                -   [Is there a fee for Express ACH transfers?](https://www.novo.co/help/is-there-a-fee-for-express-ach-transfers)
                -   [What are ACH cutoff times?](https://www.novo.co/help/what-are-ach-cutoff-times)
                -   [What are the Express ACH timing windows?](https://www.novo.co/help/what-are-the-express-ach-timing-windows)
                -   [What do the transaction details mean on an Express ACH transfer?](https://www.novo.co/help/what-do-the-transaction-details-mean-on-an-express-ach-transfer)
                -   [What if I my recipient’s details are wrong?](https://www.novo.co/help/what-if-i-my-recipients-details-are-wrong)
                -   [What is a wire?](https://www.novo.co/help/what-is-a-wire)
                -   [What is an ACH?](https://www.novo.co/help/what-is-an-ach)
                -   [What is an EFT payment?](https://www.novo.co/help/what-is-an-eft-payment)
                -   [What is Express ACH?](https://www.novo.co/help/what-is-express-ach)
                -   [What's the difference between an ACH push and ACH pull?](https://www.novo.co/help/whats-the-difference-between-an-ach-push-and-ach-pull)
                -   [Why are the delivery times different for Express and Standard ACH?](https://www.novo.co/help/why-are-the-delivery-times-different-for-express-and-standard-ach)
                -   [Why was my ACH transfer returned?](https://www.novo.co/help/why-was-my-ach-transfer-returned)

## Getting Started

About Novo

### [Are Novo accounts FDIC insured?](https://www.novo.co/help/are-novo-accounts-fdic-insured)

About Novo

### [How is Novo different from traditional banks](https://www.novo.co/help/how-is-novo-different-from-traditional-banks)

About Novo

### [Is Novo a bank?](https://www.novo.co/help/is-novo-a-bank)

About Novo

### [What is Novo?](https://www.novo.co/help/what-is-novo)

About Novo

### [Who is Novo's sponsor bank?](https://www.novo.co/help/who-is-novos-sponsor-bank)

Account Setup and Ownership

### [Can a fiduciary for my business open an account?](https://www.novo.co/help/can-a-fiduciary-for-my-business-open-an-account)

## Keeping Your Account Safe

Access and Permissions

### [How do I freeze my account?](https://www.novo.co/help/how-do-i-freeze-my-account)

Access and Permissions

### [How do I log out of my account?](https://www.novo.co/help/how-do-i-log-out-of-my-account)

Card Security

### [What are best practices to keep accounts secure?](https://www.novo.co/help/what-are-best-practices-to-keep-accounts-secure)

Card Security

### [What are best practices to keep debit and credit cards secure](https://www.novo.co/help/what-are-best-practices-to-keep-debit-and-credit-cards-secure)

Card Security

### [What makes a password strong](https://www.novo.co/help/what-makes-a-password-strong)

Card Security

### [What should I know about compromised passwords?](https://www.novo.co/help/what-should-i-know-about-compromised-passwords)

## Managing Your Account

Managing Your Account

### [Your Novo Inbox](https://www.novo.co/help/inbox-overview)

Logging In

### [How do I log in to my account?](https://www.novo.co/help/how-do-i-log-in-to-my-account)

Login Issues

### [How do I reset my password?](https://www.novo.co/help/how-do-i-reset-my-password)

Login Issues

### [What if I forgot which email address is on my account?](https://www.novo.co/help/what-if-i-forgot-which-email-address-is-on-my-account)

Login Issues

### [What should I do if I forgot my password?](https://www.novo.co/help/what-should-i-do-if-i-forgot-my-password)

Login Issues

### [Why can't I log in to my account?](https://www.novo.co/help/why-cant-i-log-in-to-my-account)

## Managing Your Business

Connecting Your Tools

### [How do integrations work with Novo?](https://www.novo.co/help/how-do-integrations-work-with-novo)

Connecting Your Tools

### [Why is my integration disconnected, or not syncing correctly?](https://www.novo.co/help/why-is-my-integration-disconnected-or-not-syncing-correctly)

Accounting Apps

### [Can I connect Quickbooks to Novo Bookkeeping?](https://www.novo.co/help/can-i-connect-quickbooks-to-novo-bookkeeping)

Accounting Apps

### [Can I connect Wave to my account?](https://www.novo.co/help/can-i-connect-wave-to-my-account)

Accounting Apps

### [How do I connect Xero to my account?](https://www.novo.co/help/how-do-i-connect-xero-to-my-account)

Accounting Apps

### [What happens to deleted transactions in Xero?](https://www.novo.co/help/what-happens-to-deleted-transactions-in-xero)

## Managing Your Cards

ATM Access

### [Can I use my debit card at an ATM?](https://www.novo.co/help/can-i-use-my-debit-card-at-an-atm)

ATM Access

### [Does Novo offer access to a network of fee-free ATMs?](https://www.novo.co/help/does-novo-offer-access-to-a-network-of-fee-free-atms)

ATM Access

### [How can I withdraw cash from my Novo account?](https://www.novo.co/help/how-can-i-withdraw-cash-from-my-novo-account)

ATM Access

### [Is there a limit on ATM withdrawals?](https://www.novo.co/help/is-there-a-limit-on-atm-withdrawals)

ATM Access

### [What are the fees for out-of-network ATM withdrawals?](https://www.novo.co/help/what-are-the-fees-for-out-of-network-atm-withdrawals)

Card Information

### [How do I change my debit card PIN?](https://www.novo.co/help/how-do-i-change-my-debit-card-pin)

## Moving Money

Deposits

### [How can I deposit money into my account?](https://www.novo.co/help/how-can-i-deposit-money-into-my-account)

Deposits

### [What can I do if my deposit failed?](https://www.novo.co/help/what-can-i-do-if-my-deposit-failed)

Deposits

### [Why did my deposit fail?](https://www.novo.co/help/why-did-my-deposit-fail)

Card Deposits

### [Can I add money to my account with a debit card?](https://www.novo.co/help/can-i-add-money-to-my-account-with-a-debit-card)

Cash Deposits

### [Can I deposit cash into my account?](https://www.novo.co/help/can-i-deposit-cash-into-my-account)

Check Deposits

### [Can I cancel my check deposit?](https://www.novo.co/help/can-i-cancel-my-check-deposit)

---

Copyright © 2026 Novo Platform Inc.

Novo Platform Inc. (“Novo”) is a fintech, not a bank. Banking services provided by Middlesex Federal Savings, F.A., Member FDIC. Eligible deposits are insured up to $5,000,000 per depositor through Middlesex Federal Savings, F.A., Member FDIC, and other banks in its sweep network.

The Novo Debit Card is issued by Middlesex Federal Savings, F.A., and the Novo Business Credit Card™ is issued by Continental Bank, pursuant to licenses from Mastercard® International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Eligibility subject to final Novo determination.

The Novo Merchant Cash Advance is offered by Novo Funding LLC. Your eligibility for Novo products and services is subject to final Novo determination.

\*Earn 2% cashback on eligible purchases with a Novo checking account balance of $5,000 or more, and 1% cashback with a balance of under $5,000.

The Novo Business Loan™ is issued by Continental Bank. All loan approvals are subject to credit criteria and underwriting; terms and conditions apply. APR, loan amount, and repayment terms are based on your creditworthiness and will be disclosed at the time of your loan offer. You may prepay your loan in full or make additional payments at any time without penalty.

Paid customer testimonials reflect individual experiences.

Some links on this site may redirect you to third-party websites with different privacy and security practices. Novo is not responsible for the content or policies of external sites. Paid customer testimonials reflect individual experiences.

[Privacy Policy](https://www.novo.co/legal/privacy)

[Accessibility Statement](https://www.novo.co/legal/accessibility-statement)