Client work is hard enough. Your banking shouldn’t be.

Manage invoices, track expenses, and keep your books organized with business banking designed for independent professionals.

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Why 54,000+ independent businesses rely on Novo

With Novo, you get the best of both worlds: the convenience of a modern banking platform and the confidence of knowing your money is backed by Middlesex Federal Savings, a bank that’s been trusted for more than 130 years.

Novo delivers the tools you rely on, the flexibility to keep your business moving, and the dependable experience you expect from a platform built for growth.

What client-based businesses say about Novo

With over 250,000 customers, businesses across the country are using Novo to help manage and grow their bottomlines. See what they have to say about Novo’s tools and products.

Katie Rosenthal

KPR Strategy Partners

“As a small business owner paid gross, I need to set aside about 35% for taxes. With Novo’s Reserves, the money is automatically set aside when it’s deposited, so I don’t even have to think about it.”

Customer since 2025

John Jacquinet

Outbounder, LLC

“We had no experience with business banking or financial tools, and Novo made it incredibly easy to manage our business finances. We get invoicing and banking all in one platform, plus integrations with tools like Slack and Stripe.”

Customer since 2021

Stephanie Cintron

Steph Powell Creative

“Starting with a free account was a game changer for us as a newer business. Novo’s interface is visually appealing and easy to use, which makes managing our business finances feel simple and clear. I confidently recommend Novo to anyone looking to open a business bank account.”

Customer since 2021

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Features client-based businesses love

Send invoices and get paid faster

Create and send professional invoices directly from your Novo account so you can get paid without switching tools.

Sync your accounting tools

Connect Novo with tools like QuickBooks, Stripe, and other business apps to keep your finances in sync.

Stay ready for tax time

Set aside money for taxes with Reserves and automatically categorize transactions to stay organized year-round.

Business checking without the fees

No monthly maintenance fees or minimum balance requirements, just straightforward business banking.

For eligible customers, Novo offers:

The Novo Business Credit Card™

Earn up to 2% cashback* on eligible business purchase with no annual fee, and no rewards caps.

Novo Funding

Get access to last-minute cash with no hidden fees.

How Novo helps independent businesses

Other banks

Monthly fees

✓ No monthly maintenance fees

Monthly fees or minimum balances

Built for small businesses

✓ Designed for modern SMB tools and workflows

Often designed for traditional banking needs

Create and send invoices

✓ Send branded invoices directly from your account

Often requires separate invoicing tools

Accounting integrations

✓ Sync with QuickBooks, Stripe, and more

Limited integrations or manual exports

Expense organization

✓ Automatically categorize transactions

Manual expense tracking

Plan for taxes

✓ Use Reserves to set aside funds for taxes

Requires separate accounts or spreadsheets

Financial visibility

✓ See cash flow and expenses in one dashboard

Data spread across multiple tools