Business banking that saves you time and money

Get a business edge with an award-winning, free business checking account with no hidden fees that works with the tools you already use.

Trusted by over 100,000 small businesses

Save money

Free business checking account in the palm of your hand

Easy Transfers

Free ACH transfers, mailed checks, and incoming wires

Apply In Minutes

Submit your application in under 10 minutes

No Hidden Fees

Don't be surprised by a fee again – see for yourself

FDIC Insurance

Insured through Middlesex Federal Savings

Online Banking

Banking at your fingertips anywhere, anytime

Novo logo white
  1. Backed with FDIC insurance*
  2. No hidden fees
  3. No monthly fees or minimum balance requirements
  4. Simple, easy-to-use mobile apps
  5. Apply in under 10 minutes
  6. Human-powered customer service
  7. Free transfers, mailed checks, and incoming wires
  8. Integrates with other small business tools
  9. Refunds all ATM fees
  10. Thousands of dollars in exclusive perks
Traditional Business Bank Accounts
  1. Backed with FDIC insurance
  2. Hide monthly or usage fees in the fine print
  3. Charge up to $20 per month in fees
  4. Difficult and clunky mobile apps
  5. Can take weeks to open an account
  6. Chatbots and automated phone support
  7. Charge $3 per transfer and up to $25 for incoming wires
  8. Upsell you on only their own, out-of-date products
  9. Charge you $3 to use out-of-network ATMs
  10. Charge you to use their products

Save time

Connect Novo to your tools

We integrate with the services you use to manage and grow your business.

Over 7,000 5-star reviews

Hear it from our customers

Great concept for small businesses!
App Store Review

I recently joined Novo and it has been nothing but convenient! The application process was a breeze and my account was quickly opened. Being able to handle my small business finances from the comfort of home through my phone has been great! Their app is also user friendly to the point where they make banking fun!

CB Photo-Grl
App Store Review

Great bank for business banking! Support has always answered me within a matter of hours, sometimes minutes!

Best Bank for Entrepreneurs and Startups
App Store Review

I have been banking with Novo for almost a year now. We do overseas transactions and will be doing high volume transactions. What I can say is that these guys get startups. When I need someone they are on thee ball. Because of their size you have a personal relationship rather than a faceless automated system.

actual novo users


Over 100,000 small business owners, entrepreneurs, and freelancers trust Novo

We currently support U.S. based businesses, whether you're a U.S citizen or an international founder.


Get started in 3 simple steps

Apply for a Novo account online or from your phone.

Personal Info

Tell us about yourself

Business Info

Tell us about your business

Novo Account

Get your Novo Account



Your data and money are safe and secure

FDIC Insurance

Your deposits are insured up to $250,000 through our partner bank, Middlesex Federal Savings, Member FDIC.

EMV Chip

Your Novo debit card is protected by Mastercard EMV technology, making it virtually impossible to counterfeit.

Bulletproof Security

Our dedicated security teams and bank-grade encryption ensures that your information remains safe 24/7.


$20,000 in fee-free card processing, plus access to betas and events.

6% cashback on all trips when you pay with your Novo debit card

$3,000 in Google Cloud credits

Free first 3 months of any Gusto package

40% discount on first 6 months of any Quickbooks Online package

30% off first year subscription plus 15% off of following years

$50,000 in Segment Credits for first two years, plus added Segment deals and office hours access

Free 6 months on any Zendesk Suite licenses up to 100 seats

$150 in Google Ads credits

$150 in Snapchat Ads credits

50% off annual Salesforce Essentials plan, plus onboarding help and support

1 month free on Homebase Plus