Does Novo check credit history when I apply for an account?

Updated June 18, 2026

No. We don’t check your credit when you apply for a Novo business checking account.

We may run a soft credit check if you apply for Novo Funding or the Novo Business Credit Card. This happens during that application process, not when you open your checking account. A soft check helps us review eligibility and doesn’t impact your credit score or show up the same way as a hard inquiry.