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
NEO-BANKS ⓘ
TRADITIONAL BANKS
Bank gets
$0 from cards
$150/mo from cards
$175/mo from cards
Bank gets
$0 from deposits
$41/mo from cards
$41/mo from cards
Bank gets
$0 from transfers
~$50/mo from transfers
(1-2% FX markup)
$90/mo on intl. transfers
(2 @ $45/mo)
You earn
$71/mo
$0
$0

Novel Standard

$9.99/mo

Get started with Novel Standard

Novel Plus

$49.99/mo

Get started with Novel Plus
Bank gets
Bank gets
Bank gets
You earn
$0 from cards ⓘ
$0 from deposits
$0 from transfers
$71/mo
$150/mo from cards
$41/mo on deposits
~$50/mo from transfers
(1-2% FX markup)
$0
$150/mo from cards
$41/mo on deposits
$90/mo on intl. transfers
(2 @ $45/mo)
$0
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
Contactless 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
See our full account charges & limits

Don't just take our word for it

Great bank to start up. In the early days, I wasn't meant to use this bank, but we're a hemp business with an international maker. We couldn't come to the United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're the best, the easiest bank out there. No BS and top-notch customer service
Elizabeth Miller
I have been using for over a month now and I absolutely love it. The user experience is great and the service + customer support is top notch. It solved the biggest issue a startup can face - Having a virtual bank account that is fast, reliable and provides great support.
Hassan Sarwar
I am a new user of Novel banking. The process of receiving payments and sending them has been seamless so far. The team's pretty quick to respond and quite helpful. The dashboard's UI/UX is quite friendly and simple as well. Keen on using Novel more often and may come back with more feedback later on. Thanks Novel! :)
Ihsan Moore
Blazing fast, frankly frightening how convenient it is to handle all my startup accounts and budgets. Save me so much manual work that I can actually concentrate on building and running a business.
Elsa Hayden
I needed a bank account that I could open online and find Novel. Their website looks fantastic, and they didn't charge me any secret fees. I've been a client for a couple of months, and it works for me.

This week, I had a vendor who said payment was lost. I approached the help of Novel and spoke to real people. They followed up with the payment, contacted me back, and had it fixed.
Luella Jacobs
I highly recommend Novel, and that's why:-
Exceptional service; (the CS does a great job of resolving problems in a timely manner)-The code is easy to use (online banking)-Simply, done right (everything is straightforward, unlike the other banks that overcomplicate things by needing to call 3 different departments)A: Cons:I wish I could know about them earlier.
Marie Hill
Great bank to start up. In the early days, I wasn't meant to use this bank, but we're a hemp business with an international maker. We couldn't come to the United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're the best, the easiest bank out there. No BS and top-notch customer service
Elizabeth Miller
I have been using for over a month now and I absolutely love it. The user experience is great and the service + customer support is top notch. It solved the biggest issue a startup can face - Having a virtual bank account that is fast, reliable and provides great support.
Hassan Sarwar
I am a new user of Novel banking. The process of receiving payments and sending them has been seamless so far. The team's pretty quick to respond and quite helpful. The dashboard's UI/UX is quite friendly and simple as well. Keen on using Novel more often and may come back with more feedback later on. Thanks Novel! :)
Ihsan Moore
Blazing fast, frankly frightening how convenient it is to handle all my startup accounts and budgets. Save me so much manual work that I can actually concentrate on building and running a business.
Elsa Hayden
I needed a bank account that I could open online and find Novel. Their website looks fantastic, and they didn't charge me any secret fees. I've been a client for a couple of months, and it works for me.

This week, I had a vendor who said payment was lost. I approached the help of Novel and spoke to real people. They followed up with the payment, contacted me back, and had it fixed.
Luella Jacobs
Great bank to start up. In the early days, I wasn't meant to use this bank, but we're a hemp business with an international maker. We couldn't come to the United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're the best, the easiest bank out there. No BS and top-notch customer service
Marie Hill

Don't just take our word for it

I needed a bank account that I could open online and find Novel. Their website looks fantastic, and they didn't charge me any secret fees. I've been a client for a couple of months, and it works for me.

This week, I had a vendor who said payment was lost. I approached the help of Novel and spoke to real people. They followed up with the payment, contacted me back, and had it fixed.
Luella Jacobs
I have been using for over a month now and I absolutely love it. The user experience is great and the service + customer support is top notch. It solved the biggest issue a startup can face - Having a virtual bank account that is fast, reliable and provides great support.
Hassan Sarwar
I am a new user of Novel banking. The process of receiving payments and sending them has been seamless so far. The team's pretty quick to respond and quite helpful. The dashboard's UI/UX is quite friendly and simple as well. Keen on using Novel more often and may come back with more feedback later on. Thanks Novel! :)
Ihsan Moore
Blazing fast, frankly frightening how convenient it is to handle all my startup accounts and budgets. Save me so much manual work that I can actually concentrate on building and running a business.
Elsa Hayden
Great bank to start up. In the early days, I wasn't meant to use this bank, but we're a hemp business with an international maker. We couldn't come to the United States either.
When no one took us, Novel did it, and I'm so happy they did it, because they're the best, the easiest bank out there. No BS and top-notch customer service
Elizabeth Miller
I highly recommend Novel, and that's why:-
Exceptional service; (the CS does a great job of resolving problems in a timely manner)-The code is easy to use (online banking)-Simply, done right (everything is straightforward, unlike the other banks that overcomplicate things by needing to call 3 different departments)A: Cons:I wish I could know about them earlier.
Marie Hill

Why pay for a bank account?

At Novel, we wanted to approach business banking differently. We value privacy, fairness, and we recognize, as business owners, that great products cost money and so we decided to build a business where we never have to sell your financial data to make ends meet, are laser focused on bringing down fees (we don't make money on fees so we're incentivized to do this), and are constantly shipping products and features that save you time and money.
Great Product

Building a great product is costly and your membership helps us hire the best and pay them fair wages.

Privacy

Your financial data is among the most sensitive data out there and we believe it's our responsibility to treat it responsibly and not sell it to the highest bidder.

Real Human Support

Issues related to money are very time sensitive and high impact so you deserve high quality, human support - not redirects to help center links and bot responses.

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.
Is my company eligible to open a novel account?
+
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).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

Simplify your business finances

Apply now