{"app_store_id":1375554760,"slug":"novo-small-business-checking-1375554760","name":"Novo - Small Business Checking","subtitle":"Built for modern businesses","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/66/af/09/66af0980-7c7a-a1c6-63e6-5e54f72fce57/AppIcon-0-0-1x_U007epad-0-1-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/novo-small-business-checking/id1375554760?uo=4","price":0,"currency":"USD","rating":4.81485,"rating_count":20054,"in_app_purchases":false,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-15T07:21:52Z","updated_at":"2026-10-15T15:28:00.496Z","stale":false,"missing_since":null,"one_liner":"Free business checking app for small businesses, with debit and virtual cards, bill pay, ACH transfers, check deposits…","verified_maker":false,"maker_site":null,"file_size_bytes":239673344,"minimum_os":"15.3","content_rating":"4+","language_count":3,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/80/b2/d9/80b2d9b6-b48d-9e6f-1c66-5ba42fe52e88/Free_Checking_account-1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/60/57/42/605742f6-c6c0-d0bb-0678-79f33fe8b6f3/Move_Money-1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/26/ef/db/26efdb8b-a32f-5fc6-3443-bdbd8efda667/Budgeting_tool-1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/12/a8/b7/12a8b78e-04cb-94d7-52f0-9572fb3659db/Tool_intergration.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/09/93/40/099340e1-d10e-9e8b-4a4b-2132578d5181/Bookkeeping-1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/96/ca/d4/96cad497-5b3a-8fa1-5e5e-9934980bae3e/Invoicing-1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ef/77/56/ef775625-e2ee-ee81-9491-95bf5695bbc5/Funding-1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/8d/2c/14/8d2c1409-6850-d8db-dea4-8a435ec27722/Security-1.jpg/320x480bb.jpg"],"developer_name":"Novo Platform Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/novo-small-business-checking-1375554760/","api_url":"https://apptierlist.com/api/v1/apps/novo-small-business-checking-1375554760","schema_version":"1.0","generated_at":"2026-10-21T23:45:32.423Z","data_as_of":"2026-10-21T16:44:13.411Z","description":"Do you need a checking account for your small business? Novo is for modern businesses.\n\nWith Novo you can apply for an account online in minutes, so you have more time to focus on your business.\n\nNovo is a fintech, not a bank. Banking services provided by Middlesex Federal Savings, F.A.; Member FDIC. Novo provides free banking tools to small businesses, all within the Novo app. You can link your existing accounts, control your debit card, pay your bills, process ACH transfers, deposit checks, categorize transactions, and separate your funds for savings in Reserves.\n\nYou’ll receive a Novo Mastercard Business Debit Card and The Novo Virtual Card to pay for things online, around the world, and use any ATM without fees from us. Send unlimited payments and paper checks for free.\n\nNovo supports almost any business operating in the U.S. As long as the owner has a social security number, they're able to apply for a Novo Business Checking Account.","facts":{"developer_id":1207556815,"developer_url":"https://novo.co","first_released":"2018-09-25T06:31:06Z","support_url":"https://novo.zendesk.com/","privacy_url":"https://www.novo.co/legal/privacy","website_url":"https://novo.co/","app_version":"4.71.0","release_notes":"Bug fixes with Performance Improvements.","rating_current_version":4.81485,"rating_count_current_version":20054,"star_counts":[503,110,237,897,18307],"genres":["Finance","Business"],"languages":["EN","FR","ES"],"content_advisories":null,"device_families":["iphone","ipad","ipod"],"chart":null},"freshness":{"apple_read_at":"2026-10-15T15:28:00.496Z","catalog_read_at":"2026-10-15T15:28:00.496Z","reviews_checked_at":null,"summary_written_at":"2026-10-14T22:02:53.108Z","placed_at":"2026-10-14T15:43:19.786Z","scored_at":"2026-10-21T16:44:13.411Z"},"editorial":{"one_liner":"Free business checking app for small businesses, with debit and virtual cards, bill pay, ACH transfers, check deposits…","what_is":"Novo is a fintech, not a bank, and banking services are provided by Middlesex Federal Savings, F.A.; Member FDIC. The app lets small businesses apply online, link existing accounts, pay bills, process ACH transfers, deposit checks, categorize transactions, and separate savings in Reserves.","good_for":["Small businesses operating in the U.S. Whose owner has a social security number","Paying bills, sending ACH transfers, and sending paper checks","Separating business savings into Reserves within the app"],"pricing":"Novo - Small Business Checking is free, with no in-app purchases on the App Store.","faq":[{"q":"Is Novo a bank?","a":"No. The listing says Novo is a fintech, not a bank, and banking services are provided by Middlesex Federal Savings, F.A.; Member FDIC."},{"q":"Who can apply for an account?","a":"The listing says Novo supports almost any business operating in the U.S. The owner must have a social security number to apply for a Novo Business Checking Account."},{"q":"What cards come with the account?","a":"The listing mentions a Novo Mastercard Business Debit Card and The Novo Virtual Card. It says ATM use has no fees from Novo, and unlimited payments and paper checks are free."}],"model":"claude-haiku-5-5","created_at":"2026-10-14T22:02:53.108Z"},"memberships":[{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":79,"tier":null,"score":82.8,"components":{"rating":96.3,"votes":83,"rank":51.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-14T15:43:19.786Z"}],"main_list":"banking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":125189,"at":"2026-10-16T08:26:49.451Z","kind":"tier_changed","list":"banking","app_store_id":1375554760,"app":"novo-small-business-checking-1375554760","from":"C","to":null,"reason":"rank shift: #41, below the tiered top 40","job":"rescore"},{"id":107615,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"banking","app_store_id":1375554760,"app":"novo-small-business-checking-1375554760","from":null,"to":"C","reason":"rank shift: #26, score unchanged at 69.8","job":"rescore"},{"id":82780,"at":"2026-10-14T15:43:19.786Z","kind":"membership_added","list":"banking","app_store_id":1375554760,"app":"novo-small-business-checking-1375554760","from":null,"to":"active","reason":"Core product is a small business checking account with debit card, ACH transfers, check deposits, bill pay and Reserves savings, all managed in the app.","job":"shadow"},{"id":75017,"at":"2026-10-14T02:32:52.781Z","kind":"app_added","list":null,"app_store_id":1375554760,"app":"novo-small-business-checking-1375554760","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":79,"tier":null,"score":82.8,"components":{"rating":96.3,"votes":83,"rank":51.8,"recency":100},"ranks":[{"country":"us","rank":2}],"verdicts":[{"verdict":"keep","reason":"Core product is a small business checking account with debit card, ACH transfers, check deposits, bill pay and Reserves savings, all managed in the app.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-14T15:43:19.786Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-14T15:43:19.786Z","attempts":1,"current":true}]}]},"data_version":40384,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/novo-small-business-checking-1375554760/"}}