Novo - Small Business Checking 4+

Built for modern businesses

Novo Platform Inc.

Designed for iPad

    • 4.8 • 11.1K Ratings
    • Free



Do you need a checking account for your small business? Novo is for modern businesses.

With Novo you can apply for an account online in minutes, so you have more time to focus on your business.

Novo is a fintech, not a bank. Banking services provided by Middlesex Federal Savings, F.A.; Member FDIC. Novo provides free banking tools to small businesses, all within the Novo app. You can link your existing accounts, control your debit card, pay your bills, process ACH transfers, deposit checks, categorize transactions, and separate your funds for savings in Reserves.

You’ll receive a Novo Mastercard Business Debit Card and The Novo Virtual Card to pay for things online, around the world, and use any ATM without fees from us. Send unlimited payments and paper checks for free.

Novo supports almost any business operating in the U.S. As long as the owner has a social security number, they're able to apply for a Novo Business Checking Account.

What’s New

Version 3.12.0

* Introducing Recommended Apps! Check out Novo’s best of the best features and integrations, all in one easy place.
* bug fixes with UI improvements

Ratings and Reviews

4.8 out of 5
11.1K Ratings

11.1K Ratings

bdizzlefizzle ,

Great bank. App still needs work

I’ve been with Novo for almost 2 years, and am really happy with them. They’re super responsive, have lots of integrations and are constantly improving. My only gripe is the app. It’s fine but has one pretty big flaw that’s never been fixed. It doesn’t have a real time view of your account. You have to go into activity, change the time period and then it refreshes. If you don’t change the view (eg from 1 wk to 1 mo) before pulling down to refresh, it doesn’t show new data. And this is true even if the app loads for the first time since restarting the phone. And sometimes, activity shows on the Home view but will never show in the Activity view (like it’s too new to show, but then why is it on the Home view?). The web app never has this issue. It’s not a deal breaker, but resulted in some issues with transfers where I thought something didn’t happen because it wouldn’t show, or thought my balance was one thing when it was another. No other banking app I use has this issue, so it feels like it needs addressing. And it happens on all mobile devices I’ve tested, so it’s not just my phone. Hopefully they get around to this issue, but I’m still a fan of Novo.

Developer Response ,

Thank you for being a loyal user and for your honest critique of our app limitations. We're always striving to make our products better and easier to use, so we appreciate your feedback around your account's accessibility of the current activity. Please email us at if you have any more feedback or need help with something specific in your account.

AJC Twone ,

AC’s Nuvizion Enterprise

This is a very crazy company that I have discovered even in relocating to Africa from USA north, I am located in Texas they have made it very comfortable for me transform my company over to the new location at the Plymouth stores that I will be opening a great portable price package or both orders the customer service was the greater better very business the red and life at a friends home from how you appreciate it a company like this to be able to do it I will be for an a lot of them and if you are looking to do both shipment this is a great life they make sure that that your products are own time and shipping no mater where it’s a blessing to find great reliable products source and a Cost-effective are broadly business purchase options and treat you better as a family members and does the most to meet your need they returned my call from a email I sent and didn’t mess a beat with information I gave ty AC

Developer Response ,

Hi AJC Twone,

Thank you for your review and for supporting Novo!

sfjbxsi zeun ,

Just listen and you’ll be the best mobile business banking app there is

Listen, this is to the founders/bank developers. I’ve read the good and bad reviews of this app, Novo is a great app. But to make it even better, us as novo customers could use features as such: setup the novo debit card to be able to get instant pay through cashapp, that is where a lot of people’s money come through. And for your customers that have money coming in and out, find a way where we can turn our cash in and get it the same day. Bitcoin converter, instead of reserves have the option to open a savings account, even if it’s through another bank partnered with Novo. At the end of the day, we are all business owners or gig workers, the better the app, the more money you will see come to the app. I honestly use Brex more than Novo, but I believe you guys could be great. If you can do just the basics of what I mentioned, and at the same time keep it secure for us and for y’all, it’s a win/win situation. I’m hoping to hear of an update soon. Whoever responds to this, if you care about the app, and it’s users honestly you would show this to the founder. We can all succeed, once I brought even a portion of my business to this app, we became partners. Let’s solidify it and make Novo the best mobile business banking app there ever was!

Developer Response ,

Thank you for your valuable feedback! We will pass this feedback on to our team to keep in mind as we continue to develop.

App Privacy

The developer, Novo Platform Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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