# Novo - Small Business Checking — user reviews > 209 indexed App Store user reviews of Novo by Novo Platform Inc., rated 4.80/5 from 20,057 ratings. - Source: https://appshunter.io/ios/app/novo-small-business-checking/id1375554760/reviews - App overview in markdown: https://appshunter.io/ios/app/novo-small-business-checking/id1375554760.md - Rating breakdown: 5★ 18,312 · 4★ 897 · 3★ 236 · 2★ 110 · 1★ 502 ## What do users think of Novo? Overall sentiment: negative **Pros** - 🚀 Convenient mobile banking - 👍 User-friendly app interface - 💡 Useful features like Profit First accounts **Cons** - 🐛 Buggy mobile deposit feature - 🔒 Lack of transparency around security issues - 👎 Slow and unhelpful customer support - 🤖 Overreliance on chatbots instead of live agents - 💸 Unexpected account closures and fund freezes **Commonly reported bugs** - App crashes and freezes - Inaccurate account balances - Syncing issues between website and mobile app - Problems with debit card activation and usage **Most requested features** - Ability to attach receipts to transactions - Instant transfer options like CashApp - Savings account functionality - Improved check deposit process ## Newest reviews (18 of 209) ### 4/5 — Zero added when making a transfer *2026-08-24, version 4.66.1* My app always adds a 0 after the first number I input when I make a payout transfer to one of my external accounts. For example, if I input $2,380 the app understands $20,380. This is obviously a serious issue and I’m surprised it has persisted this long without a developer fix. ### 3/5 — Great until it’s not *2026-08-14, version 4.66.0* This is not a dig on Novo as a bank. Just the app. PIN settings are hidden. The app offers biometric security but still requires a password every 5 seconds to do anything meaningfully important. Not a fan. ### 2/5 — Constant Check Capture Issues *2026-07-23, version 4.65.0* Their camera capture is far below industry standard in terms of performance and being able to successfully capture checks via the phone camera. Support is 100% not helpful either. ### 3/5 — Nearly impossible to deposit a check *2026-05-18, version 4.60.0* They make it nearly impossible to deposit a check, my check has been denied multiple times. They also say the check is accepted so you think it’s okay and then email you hours later saying it was denied. I wrote the date on the check to show I deposited it thinking it went through and now the check is being denied for that and they want me to have my customer write a new one. ### 2/5 — Great App, Terrible Support *2026-04-03, version 4.57.0* The app works great until you need support, then there’s no support available. Also, accounts can be closed due to inactivity without any warning or notification, which is very frustrating. ### 1/5 — Considering legal action *2026-03-03, version 4.54.0* For multiple weeks now they've had issues with their app where I cannot deposit checks because the camera system does not work. (I'm using an iPhone 15 Pro with the latest updates.) I've been in communication to get this resolved and yet nothing gets done. Beware, if you're using this for business, they will hold your business hostage. ### 1/5 — Zero customer support *2026-03-02, version 4.54.0* Signed up on a Friday, deposited 2 checks that were great and from a trusted source, they accepted them, and then denied them. I tried to use the online help box and that got me to a prompt that told me they’re only open 9-6est That’s fine…. I tried calling this morning. They refuse to put me thru to a supervisor, 7… yes seven phone calls later and still no help. Finally a team lead reaches out over the chat box online again. ‘We simply can’t accept those checks, and we can’t tell you why either, it’s a security risk’ Asked for a manager again, no help. So here we are, I’m trapped with no money, and no help. This is the biggest joke in banking history don’t sign up here even if it was your last choice. ### 1/5 — Can’t log in *2026-02-19, version 4.54.0* Since I signed up, I haven’t been able to log into the app with my credentials. I always get an error. I can login on the web browser with no issues. ### 1/5 — Can't read a digital check *2026-02-16, version 4.53.0* The bank has been OK, but the app has gotten worse as far as it will not deposit half of the checks that I try to deposit. The latest one was completely digital, as clear as any check can be to read and it could not scan it. After 10 attempts re-scanning it it still would not go through. We are now going to have to switch and use a different bank since this is completely an online program and the online system doesn't work very well. It makes this useless. ### 1/5 — Won’t let me login in *2026-02-15, version 4.53.0* Been buggy and won’t let me login anymore. :( ### 1/5 — They are racist and classist *2026-02-12, version 4.53.0* They are racist and classist ### 1/5 — If you are an actual business, don’t use Novo. *2026-01-28, version 4.52.0* I got Novo when I wasn’t making much money and the company I now run was a side project. As soon as you get more than $10,000 in your bank, go to Chase, go to Wells Fargo, go to somewhere where you’ll actually be treated like a customer who needs to get other people paid. Whether that is clients or suppliers or employees. do not use Novo. Their support team is in the Philippines, and they don’t accept Zelle. Frankly, all of it could be dwindled down to the fact that they don’t accept Zelle. That is by far the most hindering fact about this business bank. ### 1/5 — Use a legitimate bank *2026-01-20* I’ve used novo for a few years now for my small business. While at first glance it’s nice it’s so digital. But what I didn’t realize until it happened is that this isn’t a REAL bank. So in an emergency if you need funds you can never go to the actual bank to get them. I repeated a fraudulent charge weeks ago and was forced to cancel my debit card in order to submit the fraud claim. So they give you a digital card while you wait for the other. Great…until it’s not at all. I personally only have this one checking account and all others are savings at other institutions. The virtual card is only good if the merchant uses Apple Pay. Well unfortunately, my grocery store doesn’t accept Apple Pay. And I literally have no way to get money out to feed my child who has a particular diet due to allergies. Oh and my debit card? Apparently delivered 5 days ago. It wasn’t. So do I go through this whole thing again and wait on another one? Now that would just be stupid. I will never ever bank at a fake bank like Novo again. It’s not worth the anxiety, stress, and literal pain that my child will go through until I can figure out a way to access my funds. Thanks novo. ### 3/5 — Hope they get better UX *2026-01-16, version 4.51.1* I’ve been using Novo for the last 4 years, and I honestly see its User Experience declined (getting worse) over the years, it should be the opposite. ### 1/5 — Update still no iPhone access *2026-01-01, version 4.50.0* I saw the update and thought finally I’ll get access through my iPhone. Sadly it said confirmation code sent but again never arrived. I decided to phase out Novo and go to another small business online banking company. ### 1/5 — Doesn’t work *2025-12-30, version 4.49.0* Been waiting have no access to account does not work with 15.8.5 iOS won’t open app ### 1/5 — It's like going through TSA to login *2025-12-29, version 4.49.0* Never had any website or app fail to log me in as much as this one. 100% it's the program's fault not accepting the correct password, locking me out, then having to reset the password only to have this repeated again in a matter of weeks or months. ### 1/5 — Keeps crashing *2025-12-28, version 4.48.1* Have iPhone7, OS 15.8.5 — won’t even open. ## Most critical reviews (10 lowest-rated) ### 1/5 — It’s a scam, stay away from it *2026-06-22, version 4.62.1* After depositing a check (which took over a week clear) they froze the account to “ensure the integrity of my account”. Never had issues depositing checks from the same client to other banks. The account has been frozen for over a month now with no end in sight and with no timeline or reason for the freeze. They are a scam, stay away if you don’t want your money to be stolen from you. ### 1/5 — DO NOT USE NOVO *2026-05-30, version 4.61.0* Payee account #s and SSNs are fully viewable when logged in, once hacked anyone has access to that as well as virtual debit card and ability to authorize addl funding. Don’t do it, stay away from this very poorly secured platform. ### 1/5 — Novo is a Scam bank *2026-05-25, version 4.60.1* It is advisable to exercise caution and refrain from sending large sums of money to Novo, as they may seize funds without returning them. I have personally experienced this situation, with Novo withholding my $73,000 for over two months under the claim that the funds are under investigation, with no specified timeline for resolution. As a business owner, I advise potential clients to avoid using Novo for banking services, especially when transferring significant amounts of money, as they tend to hold such transactions. With over 800,000 followers on TikTok, I plan to disseminate this warning across various social media platforms to expose these practices and report the matter to the appropriate authorities. ### 1/5 — DO NOT BANK HERE *2026-05-06, version 4.59.0* They have you write specific things in a specific order to deposit a check otherwise they decline your check and refuse to explain why leaving you with a useless check and no money in your account. They refuse to manually review in case their system has an issue. The only solution they provide is telling you to get a new check. They give no information of why you were declined. Do not bank here! ### 1/5 — Denying new account for unknown reasons. *2026-04-16, version 4.57.1* Apparently it's really difficult to qualify for an account, maybe they don't actually service small businesses, they will deny you and then say they cannot give you a reason why. I've been denied twice to open a checking account for my small business and I have zero risk factors and great credit. I've never been denied the ability to open a any account with any business and this is making me suspect that Novo isn't the business it is advertised to be. Happy to give another company my business. Peace. ### 1/5 — Unable to Provide Any Positive Feedback at This Time *2026-04-06, version 4.57.0* While I can't share specific details about my review process, common reasons include: - Poor communication - Obscure business processes - Discrepancies in what you say and do ### 1/5 — Avoid novo, you’ll lose all your money *2026-03-10, version 4.55.0* A bunch of scamming thieves who’ll freeze your money and tell you to be patient for two weeks waiting for an update only to end up logged out after receiving a notification that the money was withdrawn. ### 1/5 — Disorganized. Feels Like Scam. Plenty of Better Options. *2026-03-06, version 4.54.0* Huge waste of time and energy. Feels like big scam throughout the process. Don’t waste your precious time on disorganized newcomers. ### 1/5 — Bad *2026-03-05, version 4.54.0* Awful customer service, any other option would be good. ### 1/5 — No Customer Service *2026-03-03, version 4.54.0* This banking app has zero way to contact a real human on the phone at Any Time. DO NOT USE THIS APP. ## Most praised reviews (10 highest-rated) ### 5/5 — Update iPhone access is fixed *2026-01-22, version 4.51.1* I saw the update and thought finally I’ll get access through my iPhone. Sadly it said confirmation code sent but again never arrived. I decided to phase out Novo and go to another small business online banking company. A week later it was working again. I figure it must’ve been a glitch and they got back with me by email and Suggested it might have been my phone service was blocking access. Anyway. All ok now. ### 5/5 — Password pasting fixed *2026-01-01, version 4.50.0* I tried to edit my older review, but could not see a way. The password pasting was fixed. I have seen other sites/apps go towards blocking pasting passwords, so I am happy this matter was addressed. Thank you! ### 5/5 — Everything YOU Need! *2025-11-21, version 4.47.0* This bank has all the bells and whistles. Everything is at your fingertips. All the features of a regular bank and more. Great low fees too. ### 5/5 — Great for small businesses *2025-11-07, version 4.46.0* I opened a NOVO account for my small business a couple years ago. Where no one will even look to help me open account, Novo was there. They have made banking very accessible and easy to use. Giving you everything you need to get started and to grow ! ### 5/5 — Great app *2025-11-05, version 4.46.0* I love this app for my business I have tried all major banks and this one fit all my needs at the time. You have so much to work with in this app. ### 5/5 — Great business bank *2025-09-30, version 4.43.1* Recommended to me by my business coach and I 11/10 recommend. No fees, and I can do everything I need to: even pay my contractors in a few simple clicks while working abroad. ### 5/5 — Great for entrepreneurs *2025-09-23, version 4.43.1* Since we have started using Novo, they launched new features and been easy to work with. Better than Quickbooks checking!!! ### 5/5 — Can’t get into app *2025-09-11, version 4.43.1* Edit: problem solved - tech solved it. I’ve just started with Novo banking. I can log into the account on my phones browser or on a desk top but the app won’t let me get past the device code verification screen on my phone whatsoever. I’ve tried 10 times. I’ve deleted the app and reinstalled. I’ve restarted my phone…and the continue button doesn’t work. Takes me nowhere. Now I’m section guessing putting any of my businesses money in an account whose app doesn’t even work for me to get into the account. ### 5/5 — The BEST YET *2025-09-06, version 4.43.1* I pray they get more flexibility for small business funding offers because we really need help growing our capital and like other banks offer assistance they should too! Look out for their customers in some way. But everything else is perfect ### 5/5 — Excellent Service *2025-08-25, version 4.42.0* No issues for over 3 years. Smooth online banking. Personal and business. Like the virtual debit card option --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*