# banknovo.com

> AI-optimized mirror of banknovo.com containing 50 pages totalling 35,800 words of clean markdown content, structured data, and semantic HTML. Original source: https://banknovo.com. Last updated: 2026-08-05T03:29:57.302Z.

Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG).

## Homepage

- [Novo: Free Business Bank Account for Small Businesses | Novo](/content/site-root.html): Novo is the business bank account built for small business owners. No monthly fees, free standard ACH, invoicing, and expense tracking—all in one place. (464 words)

## Articles & Blog Posts

- [Help Center: FAQs and Support | Novo](/content/novo-co/help/index.html): Get answers to common questions about your Novo account—from opening an account to fees, cards, payments and security. Visit the Help Center. (441 words)
- [Payroll User Service Terms | Novo](/content/novo-co/legal/payroll-terms/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (3,751 words)
- [Resources For How You Work | Novo](/content/novo-co/business-ideas/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (1,635 words)
- [Mobile Check Deposit | Novo](/content/novo-co/legal/mrdc/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (3,747 words)
- [PlusOne Referral Program | Novo](/content/novo-co/legal/plusone-referral-program/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (1,840 words)
- [Business Expenses | Novo](/content/novo-co/business-expenses/index.html): Track expenses automatically, manage your debit card, and see every transaction. (500 words)
- [ACH Agreement | Novo](/content/novo-co/legal/ach/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (1,592 words)
- [Novo Business Loans™ up to $50,000 | Novo](/content/novo-co/business-loans/index.html): Novo Business Loans™ let eligible Novo customers borrow up to $50,000—full costs upfront, funded instantly, no separate lender required. (558 words)
- [Novo Boost Terms and Conditions | Novo](/content/novo-co/legal/novo-boost/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (1,550 words)
- [Novo’s Invoicing Referral Program | Novo](/content/novo-co/legal/novo-invoicing-referral-program/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (509 words)
- [Small Business Funding | Merchant Cash Advance | Novo](/content/novo-co/business-funding/index.html): Get fast access to a merchant cash advance with Novo Funding. No hidden fees, no lengthy applications. Cover cash gaps or invest in growth. See if you qualify. (315 words)
- [Free Business Invoices and Banking | Novo](/content/novo-co/invoices/index.html): Create and send professional invoices for free, track payments, and automate reminders. Free unlimited invoicing built into your Novo business account. (411 words)
- [Press | Novo | Novo](/content/novo-co/press/index.html): Explore Novo's official press room for the latest small business banking news, product launches, media coverage, industry awards, and company announcements. (79 words)
- [E-sign and Electronic Communications Agreement | Novo](/content/novo-co/legal/e-sign/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (1,204 words)
- [Careers at Novo: Build Banking for Independent Businesses | Novo](/content/novo-co/careers/index.html): Join Novo and help build banking for independent businesses. Explore open roles in engineering, banking, marketing, and more — remote and in office. (411 words)
- [Who is Novo's sponsor bank? | Novo](/content/novo-co/help/who-is-novos-sponsor-bank/index.html): Novo is a fintech, not a bank. That means we partner with a bank to provide the banking services behind your account. Our partner is Middlesex Federal Saving... (140 words)
- [Business Budget Reserves & Auto-Allocation | Novo](/content/novo-co/business-savings-account/index.html): Automatically set aside money for taxes, profit, and future expenses with Novo Reserves. Create up to 20 budget categories from one business checking account. (470 words)
- [Business Credit Card | 2% Cashback, No Annual Fee | Novo](/content/novo-co/business-credit-card/index.html): Earn up to 2% cashback on every business purchase with no annual fee. Auto-categorized expenses and Mastercard perks—all in your Novo dashboard. (583 words)
- [What features are included with a Novo account? | Novo](/content/novo-co/help/what-features-are-included-with-a-novo-account/index.html): A Novo account gives you a business checking account with no monthly fees, along with the tools to manage your day-to-day finances in one place. You can move... (123 words)
- [Does Novo offer Bill Pay services? | Novo](/content/novo-co/help/does-novo-offer-bill-pay-services/index.html): Yes, we offer Bill Pay—you can make payments through your Novo account without having to make a payment manually. To pay a bill, all you need to do is upload... (93 words)
- [Is Novo a bank? | Novo](/content/novo-co/help/is-novo-a-bank/index.html): No. Novo is a fintech, not a bank. We're an independent financial services company. Banking services are provided by Middlesex Federal Savings, F.A., Member ... (33 words)
- [Does Novo offer a debit card? | Novo](/content/novo-co/help/does-novo-offer-a-debit-card/index.html): Yes. Novo acccounts come with a physical and a virtual debit card, at no cost. The physical card is sent to the primary account owner when the account is ope... (85 words)
- [Referral Program | Novo](/content/novo-co/legal/novo-referral-program/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (839 words)
- [Business Debit Card | Mastercard Rewards & Perks | Novo](/content/novo-co/business-banking/debit-card/index.html): Use your Novo Business Debit Card anywhere Mastercard is accepted. Physical and virtual cards, ATM fee reimbursements, and Mastercard rewards on every purchase. (399 words)
- [What is Novo? | Novo](/content/novo-co/help/what-is-novo/index.html): Novo is a fintech, not a bank. We help business owners manage their finances with tools built for independent businesses. Banking services are provided by Mi... (198 words)
- [Does Novo offer tax services? | Novo](/content/novo-co/help/does-novo-offer-tax-services/index.html): No, we don't offer tax services. However, many of our customers use Novo Reserves to automatically set aside part of their income. With Reserves, you can set... (5,039 words)
- [Novo Research Testimonial Consent & Release | Novo](/content/novo-co/legal/novo-research-testimonial-consent-release/index.html): Novo is free business banking built for independent business owners. No monthly fees, invoicing, expense tracking, and payments—all in one place. (436 words)
- [Open a Business Banking Account for LLCs | Novo](/content/novo-co/get-started/index.html): Open a free business banking account. Connect your tools, set up invoicing, and start accepting payments from day one. No monthly fees, no minimums. (527 words)
- [Pay Vendors & Employees | ACH & Wire Transfers | Novo](/content/novo-co/business-payments/vendor-payments/index.html): Pay contractors, vendors, and employees via free ACH, Express ACH, or wire transfer. Schedule recurring payments from one business account. (550 words)
- [Are there any business types that can't apply for a Novo account? | Novo](/content/novo-co/help/are-there-any-business-types-that-cant-apply-for-a-novo-account.html): Yes. Some business types aren’t a fit for Novo.

This comes down to the rules we have to follow and the level of risk we can take on.

We can’t support busin... (149 words)
- [Grow Your Business | Banking for Growth | Novo](/content/novo-co/grow-your-business/index.html): Scale confidently with team access controls, automatic expense tracking, and clear cash flow visibility—plus access to capital when you need it most. (472 words)
- [Track & Manage Business Expenses Automatically | Novo](/content/novo-co/business-banking/bookkeeping/index.html): Auto-categorize every transaction, generate P&L reports, and monitor real-time cash flow. AI-powered expense tracking and bookkeeping built into your account. (413 words)
- [How is Novo different from traditional banks | Novo](/content/novo-co/help/how-is-novo-different-from-traditional-banks/index.html): Novo is a fintech, not a bank. Banking services are provided by Middlesex Federal Savings, F.A., Member FDIC. We built Novo for independent businesses that w... (113 words)
- [Does Novo offer savings accounts or certificates of deposit (CDs)? | Novo](/content/novo-co/help/does-novo-offer-savings-accounts-or-certificates-of-deposit-cds.html): No, we don't offer savings accounts or CDs at this time. Novo Reserves lets you set aside money for different goals, like future expenses, withholding for ta... (44 words)
- [Accept Payments | Novo](/content/novo-co/business-payments/accept-payments-online/index.html): Send invoices, accept ACH and card payments, and track every dollar from sent to settled. Free invoicing built into your Novo business banking account. (495 words)
- [What type of accounts does Novo offer? | Novo](/content/novo-co/help/what-type-of-accounts-does-novo-offer/index.html): Novo offers business checking accounts for independent businesses. Depending on the bank, you might see your Novo account listed as a personal checking accou... (59 words)
- [Does Novo offer expense reporting tools? | Novo](/content/novo-co/help/does-novo-offer-expense-reporting-tools/index.html): Yes. Novo Bookkeeping offers AI-powered expense categorization, so you can stay ready for tax-season and keep an eye on your expenses without the manual effo... (56 words)
- [Are Novo accounts FDIC insured? | Novo](/content/novo-co/help/are-novo-accounts-fdic-insured/index.html): Yes. The money in your Novo accounts is FDIC insured through our partner bank, Middlesex Federal Savings, F.A., Member FDIC. (29 words)
- [Free Business Checking Account, No Monthly Fees | Novo | Novo](/content/novo-co/business-banking/index.html): Novo is the business bank account built for small business owners. No monthly fees, free ACH transfers, invoicing, and expense tracking—all in one place. (453 words)
- [Business Account Security & FDIC Insurance | Novo](/content/novo-co/business-banking-security/index.html): Your Novo account is FDIC-insured up to $250,000 with 24/7 fraud monitoring and bank-grade security. Protect your business finances without lifting a finger. (410 words)
- [What are Novo Reserves? | Novo](/content/novo-co/help/what-are-novo-reserves/index.html): Novo Reserves let you set aside money within your account for things like taxes, expenses, ore even paying yourself.

With Reserves, you can:
Move money in a... (74 words)
- [Accept ACH, Card & Business Payments | Novo](/content/novo-co/business-payments/accept-payments/index.html): Accept ACH payments, card, and peer-to-peer in one place. Give customers flexible ways to pay and get money into your Novo account faster. (360 words)
- [Plan, Protect & Fund Your Business | Novo](/content/novo-co/business-planning/index.html): Set aside money for taxes with Novo Reserves, access fast merchant cash advances, and keep your finances FDIC-insured. Banking built to protect your business. (441 words)
- [How do I send money or make a payment? | Novo](/content/novo-co/help/how-do-i-send-money-or-make-a-payment/index.html): You can send money a few different ways, depending on what you want to spend, and how fast you need it to get there. Before you send a payment, double-check ... (227 words)
- [Connect QuickBooks, Stripe & Business Tools | Novo](/content/novo-co/integrations/index.html): Sync Novo with QuickBooks, Xero, Stripe, and Square. Keep your books up to date automatically and manage all your business finances from one banking dashboard. (434 words)
- [Small Business Resources & Guides | Novo | Novo](/content/novo-co/learn/index.html): Explore Novo's learning center for small business guides, practical financial management tips, expert insights, and inspiring entrepreneur stories. (2,282 words)
- [Pay Vendors & Send Bank Transfers | Novo](/content/novo-co/business-payments/index.html): Pay vendors, contractors, and employees via free ACH transfers, wire transfers, or scheduled recurring payments. Fast, reliable business payments in one place. (500 words)
- [How does Novo fight ACH and check fraud? | Novo](/content/novo-co/help/how-does-novo-fight-ach-and-check-fraud/index.html): Your Novo account is protected by several layers of security and tools: Two-factor authentication (2FA), a security measure that requires a one-time password... (134 words)
- [What business documents do I need to open an account? | Novo](/content/novo-co/help/what-business-documents-do-i-need-to-open-an-account.html): It depends on your business type and state.

Here is what's needed during the application.

Everyone needs to be 18 or older with a:
Valid government-issued ... (133 words)

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