Meet your smart new business bank account

Your Novel Business Checking account comes with all the tools you need to run and grow your business.
Apply now

Meet your smart new business bank account

Your Novel Business Checking account comes with all the tools you need to run and grow your business.
Apply now
Protect your funds
Protect your business funds in a U.S. business bank account with up to $250,000 in FDIC insurance

Protect your funds

Protect your business funds in a U.S. business bank account backed by $250,000 in FDIC insurance
Receive deposits from
stripe logo
Square cash logo
Receive deposits from:
stripe logoamazon logo
paypal logo
shopify logo
Square cash logoVenmo logo
Toast logoUber logo
Lyft logo

Fee-free transfers

Free ACH transfers and Domestic wires for Plus plan members.
Payouts to 130+ currencies supported
No fees on any international transfers

Modern business checking and savings

Keep funds that you need to operate in your checking and store any additional rainy day funds in your savings account
Novel checkings

No annual fees.
No overdraft fees.
No account minimums.
No transaction minimums.

Explore more features

Smart Card

0.5% cash back on all transactions1
Learn more →

Payouts

Pay contractors in 130+
countries instantly

Invoicing

Coming soon
Generate, receive, pay, and send invoices from your Novel account
Explore more features
Smart card
0.5% cash back on all transactions1
‍Learn more →
Pay your global contractors
Pay contractors in 130+ countries instantly
Invoicing
Coming soon
Generate, receive, pay, and send invoices from your Novel account
Invoice

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.

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

Is this a real bank account?
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All Novel accounts are real bank accounts issued by our banking partner Blue Ridge Bank, Member FDIC.
Where can I review my receiving account details?
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You can review your receiving account details on your dashboard
Are there any fees?
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All wires are free on the Plus plan. ACH and International transfers are Free. Domestic Wires are at cost ($5) on the Standard plan.
What countries do you support?
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We support over 130 countries around the world 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 currencies do you support?
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We support 130+ currencies. You can find more details about on the following link :
What currencies does Novel support | Help Center
How do I link my Novel account to third party apps like Amazon, Stripe, or PayPal?
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You can connect your Novel account as a bank account using the information under your Novel dashboard For more info check the following link :
Link Novel to 3rd party apps | Help Center
Are my deposits FDIC insured?
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Yes, all deposits are FDIC insured up to $250,000. Novel works with FDIC insured banks including Blue Ridge Bank, Member FDIC, to store your deposits.

Simplify your business finances

Apply now