---
title: "Legal Documents | Novo"
description: "Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place."
canonical: "https://www.novo.co/legal"
---

## Legal Documents

Date November 13, 2026

Have questions about any of our policies? Email us at

**support@novo.co**

.

**Agreements**

-   [ACH Agreement](https://www.novo.co/legal/ach)
-   [Novo Business Account Agreement](https://cdn.sanity.io/files/qbkov2y8/production/fbc263786be83d8052527ea9827b1c6180ed8674.pdf)
-   [Novo Business Savings Account Addendum](https://www.novo.co/legal/savings-account-addendum)
-   [E-sign and Electronic Communications Agreement](https://www.novo.co/legal/e-sign)
-   [Mobile Check Deposit](https://www.novo.co/legal/mrdc)
-   [StoneCastle Deposit Network Service Agreement](https://www.novo.co/legal/stonecastle-agreement)
-   [Middlesex Federal Savings Privacy Notice](https://cdn.sanity.io/files/qbkov2y8/production/c47b0227cc1a59c173bb592e273c4658a1b4df46.pdf)
-   [Novo Research Testimonial Consent & Release](https://www.novo.co/legal/novo-research-testimonial-consent-release)
-   [Business Debit Card Agreement](https://cdn.sanity.io/files/qbkov2y8/production/2998979468c865ad17f970c44066d1e6d9d1b128.pdf)

**Policies**

-   [Privacy Notice](https://www.novo.co/legal/privacy-notice)
-   [Accessibility Statement](https://www.novo.co/legal/accessibility-statement)
-   [Fee Schedule](https://www.novo.co/legal/fee-schedule)

**Terms**

-   [Terms of Use](https://www.novo.co/legal/terms-of-use-agreement)
-   [Novo Boost Terms and Conditions](https://www.novo.co/legal/novo-boost)
-   [Referral Program](https://www.novo.co/legal/novo-referral-program)
-   [Payroll User Service Terms](https://www.novo.co/legal/payroll-terms)
-   [Law Enforcement Inquiries](https://www.novo.co/legal/law-enforcement-guidelines)
-   [Invoicing Referral Program](https://www.novo.co/legal/novo-invoicing-referral-program)
-   [Novo Payments Terms and Conditions](https://www.novo.co/legal/novo-payments-agreement)
-   [PlusOne Referral Program Terms and Conditions](https://www.novo.co/legal/plusone-referral-program)
-   [Novo Disclosures](https://www.novo.co/legal/disclosures)
-   [Novo-to-Novo Instant Transfer Terms and Conditions](https://www.novo.co/legal/novo-to-novo-instant-transfers)
-   [Novo Promo Code Terms and Conditions](https://www.novo.co/legal/novo-promo-code-terms-and-conditions)

---

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)