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Novo Review

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Reviews 920

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Michael Graw
Michael Graw
May. 03, 20214 min read

Novo summary

Novo offers checking accounts for small businesses, freelancers, and entrepreneurs. There are no monthly account fees or balance requirements, no ATM fees, and no fees for incoming wires. Novo integrates with a variety of business software tools. You can also make international payments using an integration with Transferwise, or pay for everyday purchases with the Novo debit card.

Pros

  • No monthly account fees
  • Quickbooks and Xero integrations
  • International payments with Transferwise

Cons

  • 0% interest on funds
  • Limited support hours
Novoat a glance
4.2

Editorial score

Fees?

No fees at all

5.0

Security

FDIC insured and SSL/AES encrypted account

4.0

Customer service

Limited customer service

2.0

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities

5.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

5.0

Advantages Over Traditional Banks

One of the biggest advantages Novo offers is that you don’t need to meet specific balance requirements to avoid paying a monthly account fee. In fact, after you meet the $50 minimum deposit required to open an account, there’s no minimum balance at all with Novo. In addition, this bank does away with traditional wire transfer fees and ATM fees. Novo also integrates with Transferwise to make paying international employees or vendors simple.

Cutting-Edge Banking Services

Novo has modern banking features. To start, you can manage your entire account from the mobile app, which enables seamless payments and check scanning. The app also gives you access to customer support via live chat at any time. Novo also integrates with the software that most businesses use, including Stripe, Quickbooks, Shopify, Slack, and Xero. The Novo debit card offers zero foreign transaction fees, compatibility with Google Pay and Apple Pay, and mobile alerts.

Traditional Banking Services

Novo doesn’t offer many traditional banking services and doesn’t have physical branches. That said, you can use any bank’s ATMs anywhere in the world and Novo will refund the ATM fees.

Interest Rates and Fees

You can open a Novo business checking account with a $50 minimum deposit. Once your account is open, there is no minimum balance you need to maintain and no monthly account fee. The only fee Novo charges is a $27 fee if you overdraw your account. All other transactions, including wire transfers and check payments, are free. 

Novo’s checking account does not offer interest.


Novo Checking Account
Account Fee
$0
Overdraft Fee
$27
ATM Fee
$0


Customer Service

Novo offers customer service by email or live chat from 9:00 AM to 6:00 PM ET, Monday to Friday. If you’re a current customer, you can also call the number on the back of your debit card. Novo’s website has a helpful FAQs section where you can find more information about the application process and what to do if you have issues with your account.

Email: support@banknovo.com

Mobile App

The Novo mobile app for iOS and Android is designed to be the primary access point for your checking account. You can monitor your balance, make payments to employees and vendors, and scan checks for deposit. You can also link your Novo debit card to use Apple Pay or Google Pay. If you need help, you can reach customer support by live chat from within the app.

Novo’s integrations with Transferwise, Slack, Stripe, Quickbooks, Xero, and Shopify also work on the mobile apps for these platforms.

Security

Novo requires that you verify your identity when first opening an account, and uses SSL encryption during the online application process to protect your personal information. Once your account is open, you can set up SMS alerts to be notified anytime a transaction is made using your Novo debit card. One downside to Novo’s security is that the company does not support two-factor authentication at this time. Novo is also backed by the FDIC, which insures your account for up to $250,000 if Novo were to go out of business.

Summary

Novo offers checking accounts built for the modern small business. The account is free to open and eliminates many of the fees charged by traditional banks. In fact, the only fee at Novo is an overdraft charge. Another nice thing about Novo is that you can integrate your checking account with a variety of business software platforms to more easily manage your entire business. Novo’s mobile app supports SMS alerts for transactions, Apple Pay, Google Pay, mobile check deposits, and mobile payments.

Methodology

This review was created using information from Novo’s website and a chat with Novo’s customer support.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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Trustpilot reviews

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Excellent
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3%
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Bad
19%
  • author
    Lisa Correa Portraits
    Oct 12, 2021
    Easy to work with and connecting…

    Easy to work with and connecting accounts following your account via their application, support team doesn’t leave you hanging, my cellular signal lost connection, the NOVO team reached to me a few times and we picked up right where we left off at.

    ...

  • author
    Eyezure
    Oct 15, 2021
    Terrible bank

    Terrible bank. They initially always reject checks signed using a "Unique Character Facsimile Signature", causing a delay, then requiring you to resubmit the check upon contacting support. The check is eventually deposited. Also, it takes much too long for checks to clear. I'd reco another bank.

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  • author
    Dan Houston
    Oct 14, 2021
    Stay far away if you run a business

    Seems like a good idea, until you actually have a problem and reach out for service. Look beyond the headline four-star rating and observe all the recent one-star ratings. This bank clearly has a customer service problem. One of the promises of this bank is that they allow you to connect to the world of e-commerce so you can move fast, but unfortunately getting your money out of Novo can be a complete nightmare because the relative lack of service. So if you’re a new business, time is probably important to you. If you experience some glitch with your account you might as well start praying because you will be wasting precious time trying to get customer service to resolve your issues. For me, the issue was our company needed to purchase some critical resources, but we never received a debit card. On the member dashboard there’s a number to call if you need to cancel a debit card. Called customer service, which seemed to be run by a third party. They couldn’t find the account, then they sent me to bank Novo customer service, which never picked up the phone. Emailed customer service, which sent an email back telling me to hit the support button on my app. The web app doesn’t have a visible support button. Sent them a screenshot and went radio silent. Novo is a huge time waste. It seems like this company either doesn’t care about support or the UI/UX hasn’t thought through the debit card use case I mentioned.

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  • author
    Michael Permenter
    Oct 13, 2021
    I deposited a 19073.00 check into my…

    I deposited a 19073.00 check into my novo business account. They froze my account immediately after they cleared it 4 days later. Two weeks later and they email me saying that there closing my account that Friday the 6th and mailing me a check for my available funds , which 19073.00 to my address. So ok cool they sent email and text I even called and confirmed they had right address on file. Here it is Wednesday the 13 th and my account is not closed and my money is still frozen !!!!!!

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  • author
    Joshua Reyes
    Oct 13, 2021
    Don’t waste your time with Novo

    Don’t waste your time with Novo. It took well over 2 months to receive my card for my business account. I transferred funds to another account and I got an email saying 2 to 3 business days. I’m on day 5 and still no money transferred. Also, don’t even attempt to get a response from their support team. Every time I get maybe 2 or 3 responses and then they never reply again, no matter how many times you reach out. I’d rather bank with someone who has fees, than these jokers. I’ll be walking into my local Chase and opening an account with them. Don’t even bother signing up with Novo.

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  • author
    Melli Mell
    Oct 12, 2021
    PPP loan and loan forgiveness app

    I received the first draft of the PPP loan in May 2020. The entire process was quick and easy. I submitted my loan forgiveness app in Sep 2020, which I was expecting to be complicated, but it wasn't. The format was super user friendly and I completed it in a matter of minutes. I received an email today saying that the SBA approved my application and that my PPP loan was all forgiven. Great experience from being to end.

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  • author
    Matthew Leonard
    Oct 11, 2021
    They deserve a lot of credit for what they will do for you on a free account

    Thanks for being more accomodating as far as giving me more than enough time to come up with the money for the amount of my account being overdrawn. Most other banks probably would of allowed for it to go ten days before they closed the account. Also thanks for only charging me only the amount that went through that overdrew the account, and also for just paying that amount, otherwise you could of very well just rejected it. Also thanks for not charging me a overdraw fee, where as most banks would of hit me for $30 for that, even when they reject and don't even pay the item. So I would say for what you've done does deserve a lot of credit, especially since you don't even charge a fee for the account to begin with and then not to even charge an overdraft fee to at least make something off the account. Should I even wonder how you make any money or even why you guys want to provide these free accounts to begin with?

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  • author
    Tim Michael Vanderkamp
    Oct 08, 2021
    Do NOT USE NOVO bank

    Do NOT USE NOVO bank. There is NO customer service line to call. Our business debit card was used fraudulently - no alert from them. I got our card cancelled, but they do NOTHING to credit your account. Oh - and there is NO PHONE number to call these people. It took them SEVEN days to respond to my request for crediting our account back, and then they want you to fill out this long form, and the email I got says it takes them SIX MONTHS to get that money back to you - if at all. Your bank card is going to get compromised (they all do at some point), and NOVO is going to do NOTHING about it. Oh - after we cancelled our card, which is what all of our bills are paid with....they said it will take up to six weeks to get a new card, and there is NO expedited service available. Imagine that ----no customer service, no rush, no credit back, and no fraud protection. They actually recommended we contact the Wal-mart and try to get our money back and dispute the transaction ourselves, because they don't really do that. We have changed banks - DO NOT USE NOVO - it works fine...as long as you don't need any support. And then they fall completely flat.

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  • author
    Jaecie Montgomery
    Oct 08, 2021
    A Huge, Frustrating Waste of Time

    In theory, I love the idea behind Novo. Simple, no fees, and integrations have been surprisingly available. BUT. There is zero support and I mean zero (this is why there aren't fees). That would be fine if simply receiving my debit card after sign up hadn't taken 2 months along with countless emails and time spent on hold just to leave a message. Their in-app customer support takes forever to get a response from (via email, 24+ hours later) and even when you do, it's the same form letter you got from the other 3 reps who replied to your phone call, email, and other chat inquiries (via email). To boot - my debit card doesn't work, just keeps getting declined. (nbd if you could call and talk to someone, right?) I have yet to hear from anyone in response to my 2 phone messages, email, and chat inquiry. Decided to just transfer our funds to my personal so I can actually use our business funds for business purposes (and even that's taking 3 days). Honestly, this has consumed more time than just paying fees at Chase would have cost me - which is where I'm headed now.

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  • author
    Francisco Rolon
    Oct 07, 2021
    Takes too long

    If you want fast access to your card look somewhere else. The account set up should take 1-2 days but it can easily take a week is they need any extra supporting documents, which is somewhat understandable. The part that got me mad is that it takes 3 weeks from when you finally get you account set up to receive a physical card. I needed to start making purchases with the business card and obviously couldn't. I contacted support when I saw how long it would take and there's absolutely nothing they can do. They can't give you a temporary card number, they can't do faster shipping, nothing helpful. I know this isn't the representative's fault, NOVO need to either ship cards faster or provide temporary cards to use on the meantime.

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  • author
    Johnny D Hollywood
    Oct 07, 2021
    you are very awesome thank you

    very extraordinary bank thank you for your efforts ooh rah

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  • author
    Ferdinand Steyer
    Oct 07, 2021
    Changing my rating

    I just initiated a deposit and as usual the availability was shown as a week from today. So, OK, I can live with it. I endorse the check per their instructions, scan it in and slide to deposit. At this point I get a message that I can only deposit up to 3K??? First, in one week from now the ckeck would have cleared no matter the amount, so no risk to Novo. It's not that they clear a check overnight - like my brick and mortar bank - and take a risk. But what's even worse than that, now the check is endorsed to Novo and I have to get a new check, actually several each not exceeding 3k, from my client. Looking like a two bit operation. Pretty bad if you're trying to run a business. I am changing my experience to 1 Star.

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  • author
    Niquan Conyers
    Oct 07, 2021
    This bank is by far the worst bank I…

    This bank is by far the worst bank I have ever Worked with 1. not only did it take me 2 months to receive my debit card record I have positions that has been declined statement that as a credit card when in fact it should not be 2. I have been charged overdraft fees these 2 and 3 times A-day it was A-day for the last 6 months I have been charged is Charles roughly 20 overdrive charged it's overdrive charges and Despite me not using such account I am still charged overdraft fees,I have e submitted countless ticket via portal to customer service where due Diligence is notet which has left me no choice but to contact office of yhe controller, the federal trade commission as well as other beauties to help me and resolving this problem. I received retaliation from my 1st correspondence to the federal trade commission regarding my My debit card that I was waiting 2 months for an ever since it has been down hell. I have literally been charged is charged 3 overdrive fees and one day before 12:00 p.m. which Is followed by a deposit of And credit to account None of my payments that I submitted to my vendors and contractors was paid I have no idea where the money went oh I know where it was taken out and a few weeks it was put back in We are charged ATM fees Tim please forward your rules even though no does not have any Physical locations where phones may be withdrawn without fees I could go on and on I have since opened up Business accounts that have not had a problem with Any other financial institutions besides novo Which is more upsetting is that we are faced and are faced in hardship pandemic covid 19 times and it It doesn't seem to matter Rules are still being broken clarity is still not being met and small business owners are still suffering

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  • author
    Del Pullen
    Oct 06, 2021
    Novo is Terrible

    I recently began a new startup with my partner and tried to open a simply checking account with Novo. Let me just say I am extremely disappointed with this bank and would never recommend them to anyone. I was using this new company as a way of testing the waters before I move 1 or 2 of my other companies over. I dealing with them for only a few days I can state that I absolutely will NEVER work with Novo in the future.

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  • author
    Craig
    Oct 06, 2021
    Bank Novo - 5-star Business Banking App'

    Bank Novo, from their CEO down to those in the daily trenches and on the front lines, delivers a 5-star experience. For gig-style freelancers or single-owner LLC's like myself, Bank Novo is the perfect option. They have a Slick mobile app', and an even better desktop app' (for Windows, in my case) and top it off with a truly caring customer support team. If you're an independent contractor type who needs a mostly self-service mobile/online only banking app' for Business Banking only, choose Bank Novo with confidence.

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  • author
    Natasha Gray
    Oct 06, 2021
    I would not recommend this Bank to…

    I would not recommend this Bank to anyone. I made a deposit and they said it was a withdrawal and took a withdrawal fee and then said they couldn't see where the deposit was made. But my Cap 1 transactions shows a deposit and where they returned it after I called them about the overdraft. Then the customer service rep has a crap attitude and sounds like she needs to go back to bed wake up again and start over. How do you argue with someone when you are in the wrong? They won't handle another penny of mine!!!!!

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  • author
    Mark Bostleman
    Oct 04, 2021
    Have had numerous issues with this bank…

    Have had numerous issues with this bank since we moved over from Azlo. There is no daily balance shown. They will sometimes decline payments we make based on the daily balance that we can't see, but then do not notify us. So we don't find out until we have late fees and a bad rep from vendors. This month was the final straw. The most basic tie out for a bank statement (beginning + in - out = final) is quite literally wrong. Never in over 30 years of working with banks have I seen this happen. To make all of this worse, they have no interaction with customers. They used to use Zendesk for support tickets but now that has apparently been removed and all that is left is a chat bot - I tried to enter a question, but there's no way there's enough detail for anyone to respond in a productive way. I called their brick and mortar bank, Middlesex, but they require that you leave a message. This whole thing is beyond fishy.

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  • author
    Southern Urban Voice
    Oct 04, 2021
    USE THEM AS A LAST RESORT ONLY!!!!

    USE THEM AS A LAST RESORT ONLY!!!! Has to be one of the worst banking experiences I’ve ever had!!! They hold your direct deposits and DON’T allow them to post right away like other financial institutions. If you’ve got absolutely no other choice I understand. USE THEM AS A LAST RESORT ONLY!!!!

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  • author
    Carol Gann
    Oct 01, 2021
    Where can we join the class action…

    Where can we join the class action lawsuit against Bank Novo and Middlesex Federal Savings, F.A.? They closed our account with out a waring. They have stopped communicating with us and now we cannot pay our bills. I do not see a way where we can recover our account balance.

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  • author
    Joe
    Sep 30, 2021
    Closed my account no warning and withdrew money without consent

    Closed my account without warning and was not in violation of terms. Withdrew a very large sum of money without my permission and won’t give me details where it was sent. Phone number on card automatically hangs up when putting in my account number. Customer support email is unresponsive. Essentially they stole a very large sum of money with no information where it went and won’t give me information. All done without consent of course

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  • author
    kara dangelo
    Sep 30, 2021
    You have a successful run until you…

    You have a successful run until you don’t. Just got unauthorized charges on our account, and it’s highly suspicious. It was an ATM card which has never been used anywhere, so there was no ability for anyone to get the number. So the only place this could have come from was their system. So yes, UNAUTHORIZED TRANSACTIONS ARE COMING FROM THEIR END. And now we have to jump through hoops to get our money back. We’re a small business just starting out so losing our money because a bank is not secure is terrible for us. I have to say, this does not make me feel confident in their product and have to do some thinking if it’s worth staying.

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  • author
    Cardinal Billing LLC
    Sep 29, 2021
    STAY AWAY!

    If I could make it zero stars I would. What an awful experience this bank has been from start to finish. I have finally decided to close this account after three disastrous months. Lost new debit card. Fraud claim with no responses or contact. Replacement card is no where to be found. I’ve have been messaging for days with no response. I’m so disappointed and now the onus is on me to move everything over to a new bank. Such a same. With so many promising reviews I chose them. I regret this decision so much.

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  • author
    Hisham Mirza
    Sep 27, 2021
    Novo Bank Is the only Bank that truly…

    Novo Bank Is the only Bank that truly looks for my business interest.

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  • author
    A+Storage
    Sep 27, 2021
    Only used the app for a month but so…

    Only used the app for a month but so far good for depositing checks paying bills and transferring money

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  • author
    Wh Le
    Sep 24, 2021
    Zero stars.

    I would leave zero stars. It took a couple weeks to get my account up and running. It took months to add my partner and get everything working well (due to 72 hour customer service turnaround and poor management. See below). Our debit cards have never worked. Their response was because neither of us activated them. The user experience on the dashboard leaves me feeling like I'm not dealing with a real bank. I recently sent my first check to a vendor. I received an email that said it had to be approved first. I never received an update on how long it would take. The whole process took over a week (vs. 3 days per other banks). You will NOT be able to speak to someone directly. There is no customer service, no 24/7 support. You can only send an email and it takes about 72 hours to respond. The immediate email triggered speaks to how they are busy opening accounts. This has been the process since March 2020. It's now Sept. 2021. I suspect it's a lack of support within the company. Regardless, at some point you have to shift to your existing clients. My accountant recommended a local bank. It took less than 10 minutes to give them my information. Then I go back and sign the paperwork on Monday. 10 minutes. I wanted a free option. My local bank has a free option as long as I keep $1,000 in the bank. NOVO is a disaster. I am a big fan of online banks. I have an online bank for a personal accounts so I know how efficient, well supported and cutting edge they can be.

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  • author
    WYNOT INTERNATIONAL LLC
    Sep 24, 2021
    Staff is knowledgeable of NOVO products…

    Staff is knowledgeable of NOVO products and customer service is phenomenal.

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  • author
    Mitch
    Sep 24, 2021
    Customer service above and beyond my expectations.

    Didn't even know my consultancy business was eligible for a PPP loan. Novo reached out, advised me and led me through the process. They also followed up when it was time to apply for loan forgiveness.

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  • author
    David Taylor
    Sep 24, 2021
    Very good banking experience

    Very good banking experience I enjoy the user-friendly experience as well as the sleek design.

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  • author
    VIVID CLARITY
    Sep 23, 2021
    Horrible bank and very disrespectful

    Horrible bank and very disrespectful! A million agents by the phone just to do nothing but offer to send an email to a non communicative,allowed to lie robot that tells you everything is good to go and sorry for the convenience all because the company was closed to cal and verify or fix! Would not recommend! Restricted me from a purchase from using my account right in the middle of the purchase with no warning and no reason! What a way to make my business look bad claiming to guard my account from the bad guys but treating their own customer like that! This Jack is hitting the road! Never let the agent Lina tell you anything! She gives horrible service 😢

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  • author
    Angela Ching
    Sep 21, 2021
    Great banking

    Great banking , a few delays here and there. But overall pretty good.

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  • author
    Scott Pelkey
    Sep 20, 2021
    Need dependable business checking? Avoid Novo!

    The variety of services, intagrations, and features are great, they get 5 stars, BUT, customer service is an absolute joke. You can only request help through messaging on the app or by email. Response times are usually measured in hours or days. There is no support number to call if you need help and they have a history of closing accounts with little notice and refuse to provide a reason. It happened to me, after they messed up a mobile deposit the reply I got back from contacting support was that they would be closing my account in 2 weeks. If you need a dependable business checking avoid bank Novo.

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  • author
    One Breath CNA
    Sep 21, 2021
    Absolute worst experience I've ever had…

    Absolute worst experience I've ever had with a bank. We deposited checks and they were rejected because they said my signature was scribbled over. We contacted support to take another look but It didn't help. Three days later we got an email saying our account would be closed due fraudulent activity UPDATE: Novo replied after my initial review to let me know that they can not discuss why my account is being closed. What a joke!!

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  • author
    M Washington
    Sep 20, 2021
    I opened an account with novo in April…

    I opened an account with novo in April worst decision I ever made the account was randomly frozen it is now September. I haven’t gotten a clear explanation as to why and I have called every number there is to call gotten a lawyer and showed up to Novo’s office on 23rd st. It’s a scam.

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  • author
    Nikki
    Sep 19, 2021
    Best Decision

    So far this has been a great resource for me as a new business owner! Set up was easy, secure, and fast. My card came in a great amount of time, and the communication from Novo has been great.

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  • author
    Bandits Place
    Sep 18, 2021
    I'm a food truck owner and I HIGHLY…

    I'm a food truck owner and I HIGHLY recommend Novo for business loans and banking.

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  • author
    Trey
    Sep 17, 2021
    AVOID!!!

    This bank is awful! Just spent 5+ hours emailing, calling, and leaving voicemails trying to get ahold of customer service. I even called a different line and asked for a supervisor... she wasn't able to get ahold of customer service either! I finally got an email response with completely unhelpful information... guess I'll have to wait til Monday! The debit card they gave me doesn't work, so I have no way of using my money, and apparently no way of fixing that. I'm at a dead end and will be finding a new bank. AVOID. AVOID. AVOID!!!

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  • author
    All Star
    Sep 17, 2021
    Worst experience

    Only "invited" reviews are 5 stars... real customers 0 stars! Worst experience! Restricts access cards never come.. no customer service! Can't get my money! No one has answers! Do not trust! Read only non-"invited" on trustpilot! Novo is a scam Shame class action coming soon! Will be gone like azlo and other banks!

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  • author
    Kevin M.
    Sep 21, 2021
    Was very high on Novo initially...

    Was very high on Novo initially. However, there customer service has become so freaking horrible. I placed a request for a replacement card July 2021. Here we are now in the middle of September and I've yet to receive my card. I've utilized their message support and have been given the same lame canned response of allow 20 business days to receive card. Completely ignoring the fact that the 20 business days elapsed, 20 freaking days ago. I requested a phone call which seeking more clarity on the delay and have gotten nothing. Due to their ineptitude, I'm now dealing with the arduous process of opening a new account with a different bank that values it's customer. Reaponse to Bank Novo reply: Your reply speaks directly to the lack of customer service that predicates the issue. The fact that you're unable to identify an ongoing, yet unresolved issue continues to speak volumes. For the record, I'm told that my replacement card is being shipped via FedEx and that I should expect to receive it in 3-4 business days. I guess Fedex no longer ships overnight. But hey, the original replacement request was made in July. More than 3 months ago. I guess waiting 3-4 more days should be viewed as a positive...smh.

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  • author
    Brandy Hutton
    Sep 16, 2021
    I had $300 worth of fraudulent charges…

    I had $300 worth of fraudulent charges (in a stat I am nowhere near) and they won’t return my money. It’s a constant run around to get the the “right” department. Total joke!

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  • author
    Simeon Weinraub
    Oct 07, 2021
    The best choice for banking in a fantasy world

    I suppose, if no issues ever arose, and you can simply move your bank in and out of your account, then the low fee structure, easy set up, and useful app would be the end of the story, and this will be a five star review. However, issues always arise, and this is one of those tech companies that’s devoted to minimal human interaction, no real tech-support, no real customer support. Just bots with scripts. So when the inevitable happens, and something doesn’t work, rest assured, it will never work. If you are a human being that runs a business, my advice is that you should not ever use this service for your banking. What a tremendous waste of time, energy, and money. *** update *** Nearly a month later, and I still don’t have a functional debit card for my business account. Maybe this doesn’t sound like a big deal, but, using money to make money is kind of how I do business. Which is why I have a business account.

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  • author
    Cameron Conover
    Sep 15, 2021
    Novo has given me the tools I need that…

    Novo has given me the tools I need that other banks wouldn't offer. Consistent and valuable service, super fast transaction information, awesome app and website, I have had nothing but a good experience so far.

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  • author
    Molly
    Sep 15, 2021
    11 FRAUD CHARGES AND NO FLAG FROM BANK

    If I could give ZERO STARS I would. I have received 11 FRAUD CHARGES on my account - 9 from the SAME vendor and all internet companies totaling almost 2K IN ONE DAY. HOW was this not flagged????? You can't even talk to a living person or get immediate help. Do NOT bank with this company.

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  • author
    David Abramson
    Sep 23, 2021
    A Very Bad Experience - Caveat Emptor

    Be very careful before you trust your money with these folks. They let me open a "business" account but they would not accept federal tax documentation or my city issued business license as proof of an actual business. So my own "business" account could not accept payments made to my own business. Just stupid. So I asked them to close my account. It was virtually impossible to reach a real person even via email. I attempted 8 times. The majority of their replies are bot created nonsense. It took them two full weeks to close my account. I have still not received confirmation that they closed it but since I'm no longer able to log in I assume they have. For me it was a very bad experience and based on that I recommend that you bank elsewhere. PS: The NOVO Bank reply below is bot created. If they actually have a customer service department, no one from it contacted me.

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  • author
    Dave
    Sep 13, 2021
    They can't process transactions

    They can't process transactions. Dropped my account because they can't pay SaaS companies like Adobe or Wix and I spent to much of my time trying to chase issues versus working on my business.

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  • author
    Empty Words
    Sep 13, 2021
    If you are used to any other…

    If you are used to any other traditional banking, be prepared for a slap in the face! Very very slow for today's economy! You have to wait 7 days to deposit a check and 3/5 days to transfer to your account. They can't even understand that there are others who want that cash!!!! On top of that, there is not even a phone customer service you send a chat and wait for days hoping for a response!

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  • author
    Virginie
    Sep 13, 2021
    Way too slow!

    If you don't mind waiting 5 to 7 days for a deposited check to finally be available on your account, or waiting 3 business days for them to FINALLY start the transfer of funds you initiated (which then takes several days to clear, much longer than I have ever experienced with other banks), go right ahead. For me as a freelancer, it's not working out. I'm closing this account and going to my local credit union instead.

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  • author
    Larissa Fransen
    Sep 13, 2021
    They won't close my bank account - big surprise.

    After a year of hell with this bank I am now not able to close my account. They say "due to increased demand" they are experiencing delays, which is the excuse they use for everything. I assume they are waiting for a rogue transaction to go through so they can collect fees, or perhaps another fraudulent charge to go through that I won't receive the funds back for. Please, please stay away from this "bank".

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  • author
    JFoster
    Sep 13, 2021
    It's great

    It's great. Go for it.

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  • author
    Robbie McGriff
    Sep 11, 2021
    Novo is the first business checking…

    Novo is the first business checking that I chose, and it has been great. They are very informative, even though, it is an online business, they do communicate with their customers. That's what set them apart.

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  • author
    Jarvis williams
    Sep 10, 2021
    Was told i had to wait 20 business for…

    Was told i had to wait 20 business for a check because they closed the account while i was transferring money out it. Its been over 20 business days, now no one will respond to my emails and i still dont have my money. Once again they get on here say they will help but wont do anything.

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  • author
    Shayna
    Sep 10, 2021
    Great service

    Novo made the process extremely easy to understand and complete. Novo sent reminders to help me stay on top of my business.

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  • author
    Sean Daggett
    Sep 09, 2021
    Excellent Response

    My customer service representative helped me quickly, and ensured my need was addressed.

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  • author
    Poshun Jones
    Sep 09, 2021
    What bank doesn’t want your money?

    What bank doesn’t want your money?? This one. It’s garbage.

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  • author
    Agency
    Sep 07, 2021
    Horrible experience and would never use…

    Horrible experience and would never use this bank! 1. I sent a wire transfer and it never made the destination. 2. I have contacted Novo 5 or more times via email and through the App. 3. They keep closing the request with no resolve and no response. This is completely unacceptable from a banking service. I will report them to the Feds for mishandling of funds! Do not sign up with this bank, it's an awful experience!

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  • author
    Justin Jaquith
    Sep 07, 2021
    Consistently quick and effective…

    Consistently quick and effective customer service. I've contacted them on a couple of occasions with requests to change default limits for deposits, transfers, etc. and it has always been a good experience.

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  • author
    Giselle “Gbelle Avila” Garcia
    Sep 06, 2021
    Great bank for start ups

    Great bank for start ups. They offer free checks to pay employees/ your invoices, great service, easy set up and great interface.

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  • author
    Jennifer Burchfield
    Sep 19, 2021
    Love Novo!!!

    Novo has an easy to use app. You can do everything from your phone. It is easy to transfer funds in and out of the account. The app integrates with Quickbooks and many other business management tools. They also let you create reserves of money within the account for taxes, travel expenses, or anything else you need to save for. I highly recommend Novo!!!

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  • author
    Tabitha Burress
    Sep 03, 2021
    Reported to Federal Reserve

    I am sad to say that I have been forced to report Novo to the Federal Reserve. I had 2 fraudulent charges to my account in April. I reported them and heard nothing for months. When I contacted the bank, they told me they have 120 days to investigate and there was nothing they could do until that time passed. Over 120 days went by and still I heard nothing. I contacted the bank again and was told they would check with the dispute department and get back to me. Another week went by and still nothing. I sent more messages asking for an update and a phone number where I could speak with a person. Another week went by with me writing every few days and calling the number on the back of my debit card and leaving voicemails. At this point, I decided to report the bank as they were not returning my calls or messages. They did finally send me a message saying they got my calls and it's better to reach them through the app than by phone. I replied that I've been trying to reach them through the app and no one is responding. At that point, the rep who sent the message about writing instead of calling closed that conversation and responded to the conversation with the other rep who had been ignoring my messages saying he would forward my message to the dispute department. I have opened another account with a different bank and plan to close this account as soon as the Federal Reserve finishes their investigation and I hopefully get my money back. I will never again use an online bank. At least if there are actual branches, I have the option to go in and demand a manager's assistance.

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  • author
    Dawn
    Sep 03, 2021
    Novo is an excellent choice for business banking as well as PPP loans

    The entire PPP loan process with Novo was quick and painless. They made the application phase easy as well as the follow-up and loan forgiveness process. I am so happy that I chose Novo for my business banking as well as PPP loan.

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  • author
    Ashley Scott
    Sep 02, 2021
    I have been with this bank for some…

    I have been with this bank for some months now I get paid through wire transfer and I never get my money like I'm supposed too it takes entirely too for for a transfer that is only supposed to take 30 mins or so .for me it's been well over 2hours and still nothing and I call the bank and when I finally get someone to answer they have no clue to what is going on .I came from also where i was getting my money fast to a bank where it takes 2 to 3 days for a instant transfer

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  • author
    Megan Morris
    Sep 02, 2021
    I absolutely love Novo

    I absolutely love Novo. They make running my business easy with the option for reserves so I can manually separate out my money into categories!

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  • author
    Miss Li
    Sep 02, 2021
    I Trust Novo Bank for all my financial needs

    With multiple businesses, there was absolutely no way I’d be able to handle the PPP loan application from start to finish. I made a mistake and put the wrong EIN number for the wrong business. After a slight panic I received a call from the bank and said they will straighten it out. Novo Bank was perfectly set up. Then I received the forgiveness email and realized how simple it was to complete. In less than a week I received full forgiveness. Online banking is very new for me and now I realize how much convenient and trust I have in their process. So glad! Thank you very much!!!

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  • author
    Lindsay
    Sep 01, 2021
    I looked at multiple options to open my business bank account. This is the best option.

    I looked at multiple options to open my business's bank account and this is the one for me. Here's why: -No monthly fees (seriously, why do so many banks require a monthly fee, especially when you're new in business and may not have much income coming in) -Reserves. This is my favorite part. It allows me to "reserve" portions of my income into different buckets. For example, I have a tax section and when I add to this area, it lets me know how much money I have total in my account and the amount that is spendable (meaning the part that is not in my taxes bucket). -Customer service. They send you emails with info on how to use your new account in a palatable manner and when you do have a question, they are quick to respond. -Integrations. I have a Quickbooks and a Stripe account and I'm able to integrate both seamlessly to my bank account. You can also do the same with multiple other sites including Shopify. -Transfers. They make transfers easy from your personal bank account to your business one and vice versa. It lets you know exactly how many days before it is officially transferred as well. -Payments. You can make a payment easily to others through a bank transfer or you can make a paper check straight on the app. The only suggestion I have for the app is having a PayPal integration. I'm not sure if it's because they already have a deal with Stripe, but I take payments mostly on PayPal, so it would be easier to transfer if they had an integration.

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  • author
    Carl Mosher
    Sep 01, 2021
    Great on-line banking with no monthly…

    Great on-line banking with no monthly fees. Easy to set up, good customer follow up.

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  • author
    Rodney Smith
    Sep 01, 2021
    I love using Novo for a lot of reasons…

    I love using Novo for a lot of reasons they platform is really helpful and easy to use

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  • author
    Le Nguyen
    Sep 01, 2021
    Thank you Novo for bringing PPP Loan…

    Thank you Novo for bringing PPP Loan options to my attention. I never would have considered it or applied otherwise. The entire process was about as quick and easy as it gets.

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  • author
    Kemari H
    Sep 01, 2021
    The best bank for Entrepreneurs and Small Businesses! I love this bank!!!

    I absolutely love Bank Novo. As an entrepreneur and sole proprietor, I want a bank that is easy, not complicated. I already work hard on my business, so I don't want a bunch of hurdles and hoops to jump through just to keep track of my income and expenses. Bank Novo is perfect. And it's free, without all the fluff and BS that comes with bigger banks. Plus, they continuously upgrade with features that I need and love while also ensuring that their level of support is still customer-focused.

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  • author
    Tara Gelsomino
    Sep 01, 2021
    Flexible and Prompt Support

    I added Novo as a secondary bank account for my small business a few months ago, mainly so I could do ACH transfers for clients without incurring lots of fees and limits. Their team is very helpful and respond very promptly to support inquiries with flexible solutions.

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  • author
    Jarvis williams
    Aug 31, 2021
    Its been over 20 days and i still…

    Its been over 20 days and i still haven't received the check they say they sent. They get on here and say theyre going to reach out and never do. Nobody responds at all, so i expect to them get on here do the samething they always do but i still dont have my money and they are the ones who cancel my transfer on purpose to be funny. Now i dont have my money and they wont respond with information regarding the check.

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  • author
    Mariessa Smith
    Aug 31, 2021
    I absolutely love banking with Novo

    I absolutely love banking with Novo. I love the app and it's fun little animations. I absolutely love talking to any of the team members if I have an issue. I've liturally never chatted to anyone who wasn't absolutely lovely! They listen and ask if you have thoughts or suggestions on what can be improved or changed with the app. Couldn't recommend highly enough!

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  • author
    OSVALDO LOPEZ JR
    Aug 31, 2021
    Great customer service and extremely…

    Great customer service and extremely easy to start up.

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  • author
    David Abramson
    Sep 17, 2021
    Stupid Requirements - Go Elsewhere for Banking

    Seemed like a good alternative to brick and mortar banks. Sadly they won't accept copies of the actual business license issued by my city as proof of my dba. I even emailed them a copy of my BB&T statement showing my dba. 17 years in business, in 3 different states working with 4 different banks without any issue. But not NOVO. Oh well. A business account that doesn't recognize my business seems a bit silly. On the plus side their system made it easy to send my opening deposit back to my BBT account. As soon as the transaction clears, I'll close the NOVO account. A monumental waste of time. Too many other online choices to jump through idiotic hoops for NOVA. Update: Now, NOVO won't or can't figure out how to close my account. I've requested it 4 times. As of 9/17/21 - still open. Pretty lame .

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  • author
    nalanakamoto
    Aug 30, 2021
    Rejection on account opening

    I got rejected on trying to open a small business checkings account. the reason was undisclosed and according to support they are not allowed to disclose the reason. the suggestion was to just retry the application with a different email. I can see the novo account here on trust pilot commenting that they can help with denied accounts. this is a blatant lie and not true because I reached out to them and no help was provided. It is not efficient and actually ridiculous to blindly retry the online application without knowing the cause. terrible bank. I am truly disappointed and frustrated.

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  • author
    Anastasia Bubnova
    Aug 30, 2021
    NOVO is the best solution for all busy…

    NOVO is the best solution for all busy people. Fast, easy and simple way to have your business money save

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  • author
    Lettrell Byrd
    Aug 30, 2021
    I had an issue with setting up my…

    I had an issue with setting up my business account. I was going to give up, but your website, team members and forms made it very simply for me to correct the information I needed to complete my application process.

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  • author
    Beshop James
    Aug 29, 2021
    I’m trying to login my account

    I’m trying to login my account

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  • author
    tm
    Aug 29, 2021
    Support is non existent

    Support is non existent. They always want you to send them an email or leave a voicemail to have them call you back. It's really tough to speak to a human. Last time I called the guy told me there were only 3 people on shift to answer the phones that day! That's insane! My initial hold times to speak with someone always exceeded 15 minutes. No option for rushed debit card, so wait for a new card was 15 days. I had two accounts with them and they claimed to have sent me a new card that I needed for one of them back in May. I never got it, got lost in the mail. As others have said, this account is super easy to set up online and if you're opening a bunch of accounts as some people do, it's fine. The online experience is pretty good. But there is essentially no support -- online, on the phone or by chat.

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  • author
    Roy Lakes
    Aug 29, 2021
    Novo has been great and they continue…

    Novo has been great and they continue to provide adequate service.

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  • author
    John M
    Aug 28, 2021
    Automated Support / Horrible Support

    I've been with Novo for about 1.5 years. The setup went smoothly and their web interface is clean and simple. WORST CUSTOMER SUPPORT EVER. After one year I tried transferring funds from my already established banking connection. I got an error asking me to try again. I keep trying and 1 month later I still cannot transfer funds into my bank novo account (even though I was able to previously) The worst part is Bank Novo's horrible, fragmented support system. They hit you with auto support emails and support bots that are useless. Many provided links lead to empty pages. (They are attempting to automate and spend as little money on support possible and it's to their own demise. I will not be tolerating this nonsense much longer.) Finally, when I finally got what seemed like a real human emailing me back they were utterly useless. At one point this person emailed me to tell me to: "We would recommend reaching out to their support team for further assistance." "their support"? I contacted banknovo.com for help and the support email is clearly coming from a banknovo.com email address. What on earth could "their support" be referring to. Is this some kind of joke? There is something horribly wrong with bank novo's support. I will most likely close my account and not look back. If I cannot fund my account myself and their support is not willing to rectify this situation there is no point in me having my Bank Novo account, I'll simply have to find another online business banking solution.

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  • author
    BKJ Technical LLC
    Aug 27, 2021
    I gave this Bank a second chance… Bad Idea!

    When I opened my account, it took 5 weeks to get a debit card mailed to me. OK, things happen, I will give them chance. I did get my debit card about 5 weeks after opening an account. Less than 2 months later here we are, today... I initiated a bank transfer from an external bank to NovoBank last week. Today, more than 7 days later, no deposit posted to my Novo account. I contacted my external (personal) bank, and within a few minutes I spoke to someone, and verified that the transfer was processed and completed from the originating bank, and I should contact the destination bank (Novo). I tried to contact support and got no response. I emailed support a second time and got no response, but they immediately closed the ticket, no reply or response. I tried to call Novo Bank and sat on hold for 30 minutes, to have an automated system tell me no one is available, leave a voicemail. I left a voicemail, and got no response back. I have no access to my money. I have failing auto-payments and NOT A SINGLE RESPONSE FROM NOVOBANK. I spent the entire day searching for a new bank. At this point, I am going through hassle of changing banks, and since I have so many accounts linked to Novo, it will a HUGE inconvenience. NOVOBANK SUCKS!! STAY AWAY!!

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  • author
    Felipe Modenese
    Aug 27, 2021
    Amazing customer service

    Amazing customer service. I'm a new customer and feel like I'm actually banking in 2021.

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  • author
    Audrene Edwards
    Aug 26, 2021
    I am loving the simplicity of the app…

    I am loving the simplicity of the app and process I’d getting my business banking account. I am recommending to all my friends and family who have LLC’s etc!

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  • author
    Travis Murray
    Aug 26, 2021
    I recently applied for a small business…

    I recently applied for a small business account with NOVO. They denied me for a unknown reason. I am a Black Owned disabled Veteran business. I am not sure why they turned me down. I met all the qualifications. I believe this bank does not support Black owned Veteran business.

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  • author
    Isaac Weddington
    Aug 25, 2021
    Great no-frills remote business banking.

    I've used Novo for a few months as the main bank for my business. I live in an area where my "brick and mortar" business banking options are limited. Everything I've done with Novo has been smooth as silk - funded the account, got a debit card, setup paypal and venmo with the account, everything has "just worked". Would recommend to anyone.

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  • author
    Larissa Fransen
    Aug 26, 2021
    This is now my 3rd review for this bank…

    This is now my 3rd review for this bank - I am on a mission to save others from the mess that is Novo. DO NOT BANK HERE. My latest issue is an unauthorized charge on my account for $473.62 that they say doesn't show up on their end, the merchant doesn't have the funds, and I don't have the funds. So who has the money??? It is close to impossible to get a human on the phone when you call customer service, they ask you to leave a VM but they do not do outbound calls so no one will ever call you back. You will receive multiple emails from multiple agents who don't even look into your account or the issue - they are just bots that send generic responses. This is the 3rd time that their "fraud dept" has not refunded us for unauthorized charges. This must be how NOVO profits - keeping the funds from weird charges on your account. It also takes 120 days for an answer once you dispute the charge. Do any other banks take this long? I am in the process of getting a different bank set up and have filed a complaint with the Better Business Bureau and the Federal Reserve. Please save yourself the hassle and choose a real bank. NOVO - please do not leave one of your generic replies to this. No one looks into anything so your responses are pointless unless some action is taken to help all of your customers. UPDATE 8/25 - Novo has decided to cancel my dispute and asked me to contact the merchant and deal with it. WHICH I HAVE DONE - this is why I filed a dispute. This is absurd. UPDATE 8/26 - Novo's reply saying they have flagged my case and someone will be assisting me resulted in me getting another bot email with copy and pasted content - showing that no one is reading anything I send them via the app or email - I have sent several attachments proving correspondence with the merchant but none of it has been read. Can someone please tell me how this level of customer service is acceptable? Is this even legal? Is Novo operating out of a garage somewhere?

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  • author
    Anne Asiain
    Aug 24, 2021
    Helped me get my ppp loan easily

    Helped me get my ppp loan easily! And loan forgiven! Love this bank so much

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  • author
    Marlene Rosario
    Aug 24, 2021
    Do not do business with them

    I did a little research and decided to open up a business account funded my account Through my personal checking account and a day after the funds were withdrawn I attempted to log into the Novo app and wasn’t able to, afterwards I received an email about my account being closed with no explanation, I replied to the email requesting an explanation and my funds back however have not received any response at this point this seems completely illegitimate and I will be filing a claim with the Better Business Bureau.

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  • author
    Victor Emmel
    Aug 24, 2021
    Denied?

    Attempted to sign up which was pretty easy. But two days later received an email stating I was denied. I have perfect credit, strong financials, and my business is straight forward (mortgage broker). No specific explanation. No big deal, I went to a local credit union. Probably a better decision.

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  • author
    Kyshadah Mc Gowan
    Aug 24, 2021
    Great banking experience

    Great banking experience and easy to use app and customer Support is AWESOME

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  • author
    Great Gainz Business Relations
    Aug 24, 2021
    No response after shutting freezing my…

    No response after shutting freezing my account and not letting me know what "suspicious activity" I performed.

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  • author
    Lekendrick Passmore
    Aug 24, 2021
    You guys was helpful

    You guys was helpful

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  • author
    DOMENIC WAKELY
    Aug 23, 2021
    Very convenient and user friendly.

    Very convenient and user friendly.

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  • author
    Mike S
    Aug 23, 2021
    Do not bank with this bank

    Do not bank with this bank. We found some unauthorized charges on our account and the bank requires you to give them proof that you called the merchant and tried to resolve the situation....HUH, LOL, there is no bank that requires this anywhere in the world. Oh, but that's not the best part, the best part is it takes minimum 4 months to get refunded. Think about this, if it happened in August you would see the money back in December, maybe, at best case scenario. Run from this bank.

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  • author
    Marion Antoinette
    Aug 23, 2021
    Bank Novo has been amazing with helping…

    Bank Novo has been amazing with helping me with all of my business needs. They treated me like a person and not just an account number.

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  • author
    Consumer
    Aug 22, 2021
    Wire transfer mysteriously disappeared!

    OK, I'm New to Novo - already having problems. I received a wire transfer for a good amount of money. It took awhile for them to credit my account, and the moment it was credited to my accoount, it was immediately, mysteriously, debited, for a net of $0. It is Saturday and no customer service until Monday...No way to deal with an urgent situation. No one to call. Put in email message, and now waiting....

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  • author
    Dan
    Aug 23, 2021
    Worst business decision I've ever made…

    Worst business decision I've ever made was deciding to bank with Novo. I opened up my account about a month ago and deposited 2 checks from clients. One small check didn't clear(this happens from time to time in business) this must have flagged the account for review. Ok, I understand, but that review has lasted a month now and they have frozen all my funds in my account nearly $10,000. The customer service is terrible and only says it's under review and can't give me a time or date it will be done just to wait indefinitely. They also say their partner bank Middlesex Federal is responsible for the freeze, but when I call them, they state that they only hold money for Novo and they would never freeze an account. So, who is reviewing my account? I think this is a way to hold on to our money to use for there benefit. Don't use this bank. The generic response I received below is a perfect example their customer service. This company is no good, run!!!

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  • author
    Allana Southerland
    Aug 21, 2021
    Always helpful and efficient

    Always helpful and efficient

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  • author
    Robert Russell
    Aug 20, 2021
    That Personal Touch

    Novo helped my company with the PPP loan process. They were very professional and made things very clear. We were given a personal representative who helped us through the entire process. An amazing company with amazing people.

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  • author
    Amanda Kay LLC
    Aug 20, 2021
    Great business banking experience

    Everyone is super helpful, kind, and knowledgeable.

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  • author
    Kevin Q
    Aug 20, 2021
    Bank Novo has been great

    Bank Novo has been great, because of me being an account holder. Bank Novo notified me about the PPP loan. I received the loan directly to my Novo business account, then they notified me when it was time to apply for the loan forgiveness. My loan was forgiven and Novo processed everything. Awesome!!

    ...

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