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Novo

Free US business checking for digital small businesses

novo.co ↗Claim this profile

TOP SCORE™

54/100

#6 of 9 Financial

↑1 positionHigh confidence

Score breakdown

What makes up this score

External Reputation74
  • 3 independent review sources
  • 4,755 third-party reviews counted
AI Authority29
  • 3 answer engines measured
  • cross-model consistency 0.7
Web Authority63
  • 28 web authority signals
  • average citing-domain authority 40.8
Expert Assessment43
  • 100% of the category rubric covered
TOP10 User Score—
  • No approved user reviews yet

Explanation

Why Novo ranks #6

Novo ranks #6 of 9 financial with a TOP SCORE of 54.

The category leader scores 64, a gap of 10 points.

That is 1 points below the category average of 55.

Its strongest component is External Reputation at 74; its weakest is AI Authority at 29.

No usable evidence was found for TOP10 User Score, so that weight was redistributed across the components that are evidenced.

Generated from the recorded evidence behind this score, not from editorial opinion. How scoring works.

Score history

How the score has moved

23 → 54 ↑30.8

05010030 Aug1 Sept

External reputation

What third-party sources publish

SourcePublishedNormalisedReviewsLast checkedMethod
Trustpilot ↗4/5804.8k31 Aug 2026permitted crawl
Apple App Store ↗4.8/596not published31 Aug 2026official api
Google Play ↗4.5/590not published31 Aug 2026official api

AI visibility

How answer engines treat this platform

EngineMentionRecommendationCitationAvg positionQueriesMeasured
claude sonnet 5 parametric67%42%0%2.91231 Aug 2026
claude grounded10%5%0%4.52030 Aug 2026
claude parametric15%5%0%4.72030 Aug 2026

Web authority

Citations and independent coverage

TOP10 users

What our users report

—

0 reviews

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No published reviews yet. Reviews are moderated before they appear and are never removed at a business's request.

Company information

The facts on file

Description
Novo is a US fintech offering a business checking account with no monthly maintenance fee, no minimum balance and $0 standard ACH, with banking services provided by Middlesex Federal Savings, F.A., Member FDIC. It bundles invoicing, bookkeeping and reserve sub-accounts at no charge and is aimed at freelancers, agencies and online sellers. It is not a bank itself, does not accept cash deposits, and does not publish wire or Express ACH pricing on its main pricing page.
Category
Financial
Products
Business checking account, Physical and virtual debit cards, Reserve accounts (sub-accounts), Invoicing, Bill pay / vendor payments, Expense management and bookkeeping, Novo Business Credit Card, Novo Business Loan, Novo Merchant Cash Advance, iOS and Android apps
Markets
SMB, Freelancers and sole proprietors, E-commerce sellers, Professional services
Countries
United States
Integrations
Accounting/bookkeeping integrations (vendor-listed, specifics unverified), ACH, Wires, FedNow (Instant), Mastercard card network
Pricing
$0/month · free tier: Full business checking account with $0 monthly maintenance fee, no minimum balance, $0 standard ACH, and free invoicing, bookkeeping and reserve accounts pricing page ↗
Regulatory
Novo Platform Inc. is a fintech, not a bank. Banking services are provided by Middlesex Federal Savings, F.A., Member FDIC, with deposits insured up to $250,000 through that single partner bank. The Novo Debit Card is issued by Middlesex Federal Savings, F.A., and the Novo Business Credit Card by Continental Bank, pursuant to Mastercard licences. The Novo Business Loan is issued by Continental Bank; the Novo Merchant Cash Advance is offered by Novo Funding LLC. Novo is not BBB-accredited and has no BBB rating, but does have a BBB complaints file. Novo discloses that some customer testimonials on its site are paid.
Official website
https://www.novo.co ↗
Last verified
31 Aug 2026

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Head to head

Category context

  • This platform54
  • Category leader64
  • Category average55
See the full Financial ranking →

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