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Modern & Intuitive Business Banking

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

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Novel Financial, Inc. is not a bank. Banking services provided by Blue Ridge Bank, N.A.; Member FDIC

All of the power, none of the fees

Designed for the everyday needs of your business.

No Fees

No monthly, minimum balance, account or sign up fees.

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.

See how we stack up

Other business checking accounts
Minimum opening deposit $0 $500 minimum balance
Monthly service fees $0 $15-$30 monthly service fees
Transactions No limit on number of transactions Transaction limits and/or fees
ACH fees $0 $10+
Overdraft fees $0 $35 NSF fees
Incoming wire fees $0 $20+
QBO integration fee/export $0 $10+ per month
ATM fees No ATM fees at 37,000+ MoneyPass® locations nationally $0–$2.50 ATM fees
Fee for checkbooks Two free checkbooks $35-$50 per order

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, card 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 Card to your
preferred digital wallet for secure mobile payments.

Physical Contactless Smart Card

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

Invoicing (Coming Soon!)

Generate, receive, pay, and send invoices
from your Novel account

Credit Builder (Coming Soon!)

Build credit automatically while you build
your business


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.

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.

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 credits
$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 credits for first 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 credits
$150 Cash Savings
  • $150 in Snapchat Ads credits
$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