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Novo is a fintech, not a bank. Deposit account services provided by Middlesex Federal Savings, F. A.; Member FDIC. FDIC insurance through Middlesex Federal Savings. Physical debit cards provided by Middlesex Federal Savings or Patriot Bank. Virtual cards and physical cards provided by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated and may be used everywhere Mastercard® is accepted. Mastercard is a registered trademark of Mastercard International Incorporated.