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Last updated: Feb 2026

Bluevine Vs. Novo

Bluevine and Novo are two of the leading checking account providers for businesses, offering a range of financial services. Find the right fit for your business by comparing their features & benefits.
Feature Breakdown
Recommended
1

9.3

Visit Bluevine
1

9.1

Visit Novo
General Details
Monthly Fee

$0

$0

Yield on Deposits

3.00% APY on all funds deposited in the checking account.

*Up to $250K for accounts that spend $500 using a debit card or receive $2,500 in monthly deposits.

Banking Partner

The Bancorp Bank, Member FDIC

Middlesex Federal Savings, Member FDIC

FDIC Insurance

Up to $3,000,000

Up to $250,000

Editorial Score
score-ring.svg

9.3

9.1

Credit Card
Fees & Charges
Minimum Balance

$0

$0

Mandatory First Deposit

$0

$0

Overdraft Fees

$0

$0

Early Account Closing Fee

$0

$0

ATM Withdrawal Fee

Free at MoneyPass ATMs; $2.50 at out-of-network ATMs

Up to $7 per month in ATM fee refunds

Features
ACH Transfers

Incoming ACH: $0
Outgoing ACH: $0

Incoming ACH: $0
Outgoing ACH: $0

Wire Transfers

Incoming wires: $0
Outgoing wires: $15

Incoming wires: $0
Outgoing wires: Not available, but supported with Wise integration

Card

Bluevine Business Debit Mastercard

Novo Business Debit Mastercard

Sub-Accounts

Up to 5 sub-accounts

Up to 5 sub-accounts

Cash Deposit

Available with a $4.95 fee per deposit transaction

Invoice Management
Integrations

QuickBooks, Xero, Square, Venmo, and Expensify

Stripe, Square, PayPal, Wise, WooCommerce, Amazon, eBay, Etsy, Shopify, Xero, QuickBooks, Slack, Zapier, Google Sheets, and more

Bottom Line

Winner!
1
1
Editorial Score

9.5

9.1

Key Advantages

In this Bluevine vs. Novo comparison, Bluevine emerges as the winner, offering FDIC insurance on deposits up to $3,000,000 and a competitive 3.00% APY on checking balances, making it ideal for safeguarding funds and promoting growth.

Visit Bluevine

Novo is a solid option with its comprehensive offerings and third-party app integrations, catering to businesses seeking a versatile banking platform. While Bluevine excels in financial security and returns, Novo focuses on integrations and customization for a well-rounded banking experience.

Visit Novo