Launch me

Simplify your business finances

Novel is all your business financial apps in one place: banking, payouts, invoicing, cards & more
Apply now

Get started in minutes

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.

Business banking that just works

BUSINESS CHECKING

Add money from anywhere, in minutes

From your favorite apps:
stripe logo
amazon logo
paypal logo
shopify logo
Airbnb logo
square cash logo
venmo logo
Toast logo
Uber logo
Lyft logo
OTHER BANKS
Or the traditional banking system:
INTERNATIONAL WIRE
INTL.
WIRE
DOMESTIC WIRE
DOMESTIC ACH
DOMESTIC
ACH
SMART CARD

0.5% Unlimited Cashback1

Virtual cards issued instantly. Available to you and your team.
NO MINIMUMS, NO FEES

More money for the things that matter

No minimum balance or minimum transaction requirements and zero fees on domestic ACH, wire, and international wires for Novel Plus plan members.

Card limits and alerts to keep you in control

Stay in control of your business finances

Intelligent insights to help you save

We help you find opportunities to save
PHYSICAL DEBIT CARD

Contactless Smart Card

Visa Business debit card
ATM access included
Use everywhere Visa is accepted
Global shipping available
PRIVACY & SECURITY

Your money,
your business,
your data.

We don't share your data with third-parties like other banks

No credit checks

We don't need to know your your credit history. We think it's more important to focus on your future–not the past.

Support with real humans

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

Become a Novel Member

If you're just getting started, the Novel Standard plan includes everything you need to get off the ground. Novel Plus is perfect for growth teams looking for a financial management solution that scales with them.
Calculate your potential earnings with Novel Plus:
What is your average monthly spend on your business card?

$0 USD

$10k
$50k+
$100k+
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Our Standard plan may be right for you! ($9.99/mo)
+$100/mo from cashback on spend
-$49/mo Novel Plus membership
You earn +$51/mo ($612/yr) automatically for banking with Novel
not including any additional savings on transfers or apps
PLAN CHOSEN AT CHECKOUT

Novel Standard

$9.99/mo

PLAN CHOSEN AT CHECKOUT

Novel Plus

$49.99/mo

PLAN CHOSEN AT CHECKOUT
Business Checking
Business
Checking
Novel Standard
$9.99/mo
Novel Plus
$49.99/mo
Domestic Wire
$5
International Wire
Digital Check Deposit
Bill Pay
Free team members
Additional members are $5/mo.
1
Unlimited
Unlim.
Overdraft charges
Overdrafts are not allowed on your Novel account; transactions will be automatically declined
None
None
Unlim.
Smart Card
Smart
Credit Card
Unlimited Cashback
0.5%
Virtual Cards
Physical Debit Card
Contactless Debit
Card
$6
ATM Access
$0 charged by Novel;
ATM operator fees apply
Alerts
Intelligent Insights
Payouts
Payouts
$12/mo per contractor
Payouts
$12/mo per contractor
Direct Contractor Payout
Mass Payments
International Contractor Payouts
Compliance Contracts
Automated Tax Paperwork
Invoicing
Invoicing
Send Invoices
Receive Invoices
Bulk Invoicing
Instant Scan, Upload & Pay Invoice
Support
Support
Priority Level
Priority Level
Email
Standard
Standard
High
High
Phone
High
High
Chat
Standard
Standard
High
High

Novel vs typical bank account

Scroll right to view more
Other business banks
Easy online application
Eligible to US Residents and non-residents
No minimum balance
Send free ACH & International wires worldwide
Unlimited users and cards
Builds business credit
Cashback
Live support in minutes
Payouts, invoicing, direct payments, and wire transfers all in one place

Frequently asked questions

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, Burundi, Central African Republic, Cuba, Democratic Republic of the Congo, Iran, Iraq, Lebanon, Libya, Nicaragua, North Korea, 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. All cards under the Novel Plus plan come with 0.5% cash back on all spend.
What does Novel cost?
+
Novel costs from $9.99/mo to $49.99/mo depending on the plan. 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.

Get peace of mind with top notch security

Encryption

All your data is encrypted with AES 256 bit encryption.

Geo-fenced

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

Tools to help you manage your money better

Payouts

Send payouts to staff and vendors in 130+ currencies

Credit Builder

Coming soon
Build credit automatically while you build your business

Reconciliation

Put data into your accounting provider instantly

Invoicing

Coming soon
Send and receive invoices all in one place

Simplify your business finances

Apply now