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Business banking
that pays you

A members-only U.S. business bank account that earns when you deposit, earns when you spend, and more.
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We help 1200+ businesses earn millions every year

We help 1200+ businesses
earn millions every year

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Members get more

We're flipping banking on it's head and returning all the fees a bank would earn back to you.

Earn 3% interest on deposits

Earn 3% on idle cash every month with no maximum. Directly from the Federal Reserve to your bank account.

1.25% cashback on all spend

Get 1.25% cashback on your debit card spend with no limits. Cashback deposited monthly. Traditional banks have never shared this revenue - called interchange - with customers until now.

Pay anyone, anywhere

Send money with ACH or Wires in the U.S. for free and globally to 170+ countries in 140+ currencies. FX rates are wholesale for members and typically 3x cheaper than leading providers like TransferWise or Remitly.

Free access to financial tools

virtual-cards
Smart Cards

Issue and manage virtual cards from your account. Order physical cards for your team and set limits to control spend.

Check Deposits

Deposit checks digitally and get funds cleared within one day - faster than any other bank.

Bill Pay

Consolidate and manage all your bills in one place. See reports and more.

Cash * 3% interest

$XXX.XX

Cashback 1%* spend

$XXX.XX

Transfers * 0.35%

$XXX.XX

How much cash do you have on hand?

$10k

$500k+

$1,000,000+

What is your average monthly spend on your business card?

$10k

$500k+

$1,000,000+

What is your average monthly transfer amount?

$10k

$500k+

$1,000,000+

Calculate your potential earnings with Novel Plus

Cash * 3% interest

$XXX.XX

Cashback 1%* spend

$XXX.XX

Transfers * 0.35%

$XXX.XX

How much cash do you have in deposits?

$10k

$500k+

$1,000,000+

What is your average monthly spend on your business card?

$10k

$500k+

$1,000,000+

What is your average monthly transfer amount?

$10k

$500k+

$1,000,000+

Become a member for as low as $19/mo.

See full membership benefits
Billing cycle Save 20%

Standard*

$199 /yr

Plus

Popular

$2,499 /yr

Premium

$4,999 /yr



Perks
Interest 		0.00% 2% APR 3% APR
Cash Back (Debit) .5% Cash Back .75% Cashback 1.25% Cashback
Cash Back (Debit) 0% Cash Back 1.25% Cashback 1.75% Cashback
Transfers
ACH Transfers 		Free Free Free
View more

Become a member for as low as $19/mo.

See full membership benefits
Save 20%
Billing cycle
Standard
$19/mo
$199/yr
Choose Novel Standard
  • 0.00% interest
  • .5% Cash Back (Debit)
  • 0% Cash Back (Credit, Coming Soon)
  • Free ACH Transfers
  • Free Wire Transfers
  • Intl. Transfers
  • 1% FX
  • $10 Inbound
  • Free Outbound
  • Free Virtual Cards
  • Free Physical Card
  • No Card Limits
  • Free Check Deposit
  • Free ATM Access
  • 5 Free Team Members
  • No Overdraft
  • Same-day Support
View more
View less
Plus
$209/mo
$2,499/yr
Choose Novel Standard
  • 2% APR interest
  • .75% Cash Back (Debit)
  • 1.25% Cash Back (Credit)
  • Free ACH Transfers
  • Free Wire Transfers
  • Intl. Transfers
  • 0.35% FX
  • Free Inbound
  • Free Outbound
  • Free Virtual Cards
  • Free Physical Card
  • No Card Limits
  • Free Check Deposit
  • Free ATM Access
  • 15 Free Team Members
  • No Overdraft
  • 24 Hour Email Support
View more
View less
Premium
$417/mo
$4,999/yr
Choose Novel Premium
  • 3% APR interest
  • 1.25% Cash Back (Debit)
  • 1.75% Cash Back (Credit, Coming Soon)
  • Free ACH Transfers
  • Free Wire Transfers
  • Intl. Transfers
  • Custom FX Rate
  • Free Inbound
  • Free Outbound
  • Free Virtual Cards
  • Free Physical Card
  • No Card Limits
  • Free Check Deposit
  • Free ATM Access
  • Unlimited Free Team Members
  • No Overdraft
  • 2-hour Support
View more
View less
Wire Transfers Free Free Free
Intl. Transfers Free Free Free
FX 1% 0.35% Custom
Inbound $10 Free Free
Outbound Free Free Free
Features
Virtual Cards 		Free Free Free
Physical Card Free Free Free
Card Limits Unlimited Unlimited Unlimited
Check Deposit Free Free Free
ATM Access Free Free Free
Free Team Member 5 15 Unlimited
Overdraft Free Free Free
Support
Email 		24 hours Same-day 2 hours

Become a member for as low as $19/mo.

See full membership benefits
Save 20%
Billing cycle
Standard
$19/mo
$199/yr
Choose Novel Standard
  • 0.00% interest
  • .5% Cash Back (Debit)
  • 0% Cash Back (Credit)
  • Free ACH Transfers
  • Free Wire Transfers
  • Intl. Transfers
  • 1% FX
  • $10 Inbound
  • Free Outbound
  • Free Virtual Cards
  • Free Physical Card
  • No Card Limits
  • Free Check Deposit
  • Free ATM Access
  • 5 Free Team Members
  • No Overdraft
  • 24 Hour Email Support
View less
Plus
$209/mo
$2,499/yr
Choose Novel Standard
  • 2% APR interest
  • .75% Cash Back (Debit)
  • 1.25% Cash Back (Credit)
  • Free ACH Transfers
  • Free Wire Transfers
  • Intl. Transfers
  • 0.35% FX
  • Free Inbound
  • Free Outbound
  • Free Virtual Cards
  • Free Physical Card
  • No Card Limits
  • Free Check Deposit
  • Free ATM Access
  • 15 Free Team Members
  • No Overdraft
  • Same-day Support
View less
Premium
$417/mo
$4,999/yr
Choose Novel Standard
  • 3% APR interest
  • 1.25% Cash Back (Debit)
  • 1.75% Cash Back (Credit)
  • Free ACH Transfers
  • Free Wire Transfers
  • Intl. Transfers
  • Custom FX Rate
  • Free Inbound
  • Free Outbound
  • Free Virtual Cards
  • Free Physical Card
  • No Card Limits
  • Free Check Deposit
  • Free ATM Access
  • Unlimited Free Team Members
  • No Overdraft
  • 2-hour Support
View less

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!

Manage your expenses like a pro

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

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.

Recommend

Joseph Pray, Trustpilot Review

Our business made over $1,000 over our old bank in our first month with Novel. Will be recommend to my partners who will need bank accounts

Great

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.

FAQs

Am I eligible?
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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?
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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?
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Yes, we do. Your physical card is free on the Plus plan and $6 on the Standard plan.
What does Novel cost?
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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?
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Yes! You can connect Stripe or PayPal to your Novel account. Your account and routing are listed in your account.

Open an account in minutes

1
Sign up today

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

2
Make a deposit

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

3
Start banking!

Start spending on your card and managing your business.

Apply for Novel today

Apply Now