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Modern & Intuitive Business Banking

Simplify your business finances with a free business checking account with no hidden fees and tools that help you grow.

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Trusted by over 5000 businesses around the globe.

All of the power, none of the fees

Designed for the everyday needs of your business.

No Fees

No exorbitant fees on your Novel account

Hassle Free Transfers

Send free ACH, checks, and international wires with ease.

Secure Deposits

Deposits are FDIC insured up to $250,000 per account through Blue Ridge Bank, Member FDIC.

Bank From Anywhere

100% Online banking available to U.S companies in 130+ different countries.

Apply In Minutes

Submit your application in less than 5 minutes. Accounts are processed and approved in under 48 hours!

Support Powered By Humans

No lengthy support chats that take days to respond. Quick and helpful support available over chat, phone, or email with response times less than 24 hours.

Connect to your everyday apps

Novel makes it easy to connect to the apps your business uses on the daily. Automate your business by linking to Stripe, Paypal, Amazon, and more!

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Manage your expenses like a pro

Track business spend with Novel virtual and physical cards. Built with intelligent insights to help you save, limits to keep you in control, and reports to keep you organized.

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Pay anyone, anywhere

With Novel payouts, you can setup payroll to contractors domestically or internationally and send payments to vendors or clients with over 130+ currencies supported. Track every payments via your Novel dashboard.

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Support with real humans

Reach real human support in minutes by phone, chat, or email.

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Everything you need and more

Deposit Checks Anywhere

Scan and deposit checks from your
mobile device, wherever you are.

Apple & Google Pay Wallets

Add your Novel Smart Debit Card to your
preferred digital wallet for secure mobile payments.

Physical Smart Card

Your Novel Smart Debit Card can be used
everywhere Visa is accepted and includes ATM access. We ship globally to 130+ countries.


Am I eligible?
U.S. residents and non-residents are both eligible. Eligibility is based on where you currently live. We support all individuals in all countries except for the following: Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, Cuba, Democratic Republic of the Congo, Iran, Iraq, Lebanon, Libya, Mali, Nicaragua, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen, and Zimbabwe
What do I need to apply?
You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g. a passport or US driver’s license).
Do you provide a debit card?
Yes, we do. Your physical card is free on the Plus plan and $6 on the Standard plan.
What does Novel cost?
Novel Standard is free and Novel Plus is $69.99/mo. Check out our pricing page for more details.
Can I connect my Novel account to payment processors like Stripe?
Yes! You can connect Stripe or PayPal to your Novel account. Your account and routing are listed in your account.

Novel Standard


Choose Standard

Novel Plus


Choose Plus
Business Checking
Novel Standard
Novel Plus
Domestic Wire
International Wire
Digital Check Deposit
Bill Pay
Free team members
Additional members are $5/mo.
ACH Limits
$15k Daily
$100k Daily
Wire Limits
$15k Daily
$100k Daily
FX Rates
Overdraft charges
Overdrafts are not allowed on your Novel account; transactions will be automatically declined
Smart Card
Credit Card
Virtual Cards
Physical Debit Card
Contactless Debit
ATM Access
2 free, $3.50 after;
ATM operator fees apply
(2 Free)
Intelligent Insights
$12/mo per contractor
$12/mo per contractor
Direct Contractor Payout
Mass Payments
International Contractor Payouts
Compliance Contracts
Automated Tax Paperwork
Send Invoices
Receive Invoices
Bulk Invoicing
Instant Scan, Upload & Pay Invoice
Priority Level
Priority Level
Same Day
Same Day
See our full account charges & limits

Don’t just take our word for it

Hear it from real Novel customers.

I’m a big fan of what Novel is doing…

Emery Tran, Trustpilot Review

I'm a big fan of what Novel is doing to disrupt the old-guard of bloated banks. This is a very business friendly solution for anyone that might be interested.


Joseph Pray, Trustpilot Review

As a non-resident without a visa or ITIN, Novel was like a miracle for me since I was able to apply from outside the USA and didn't take long to open the account. Will be recommend to my partners who will need bank accounts


Thomas W. Sweeten, Trustpilot Review

As a founder, I'm always looking for ways to maximize efficiency and streamline processes, banking is no execption. Novel has been great for this, eliminating the hassle of traditional banking.

Over 5,000+ business owners, freelancers, and startups trust Novel

We support U.S businesses from 130+ different countries.

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Get started in 3 simple steps

Sign up today

Fill out your application in under 5 minutes. Get approved in 24 hours.

Make a deposit

Deposit funds directly via ACH, wire, or international wire or link Stripe or Paypal.

Start banking!

Start spending on your card and managing your business right away.

Get peace of mind with top notch security

Data Encryption

All your data is encrypted with AES 256 bit encryption.


Your money is held securely in a geo-fenced account

2-Factor Auth

Secure your account with 2 Factor Auth (2FA) for added peace of mind

Fraud Protection

Get alerts on big transactions and automatic fraud monitoring
Learn more about our approach to security →

Your favorite tools, discounted

Use Novel Perks to get the best tools for your business.

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  • $20,000 in fee-free card processing
  • Access to betas and events
$500 Cash Savings
  • 6% cash back on all trips when you pay with your Novel debit card
6% Saving
  • $3,000 in Google Cloud discounts
$3000 Cash Savings
  • 100% discount on first 3 months of any Gusto package
$500 Cash Savings
  • 40% discount on first 6 months of any QuickBooks Online package
$150 Cash Savings
  • 30% off first year subscription
  • 15% off following years
$1400 Cash Savings Per Seat
  • $50k in discounts for 2 years
  • Added Segment Deals and access to Office Hours
$100,00 Cash Savings
  • Free 6 months on any Suite licenses
  • Up to 100 seats
$540 Cash Savings Per Seat
  • $150 in discounts
$150 Cash Savings
  • $150 in Snapchat Ads discounts
$150 Cash Savings
  • 50% off annual Essentials plan
  • Onboarding help and support
$150 Cash Savings
  • 1 month free on Homebase Plus
$50 Cash Savings

Apply for Novel today

Apply Now