{"id":4430,"date":"2024-09-29T17:29:15","date_gmt":"2024-09-29T22:29:15","guid":{"rendered":"https:\/\/www.northone.com\/blog\/?p=4430"},"modified":"2024-09-29T17:29:39","modified_gmt":"2024-09-29T22:29:39","slug":"novo-vs-bluevine","status":"publish","type":"post","link":"https:\/\/www.northone.com\/blog\/business-banking\/novo-vs-bluevine","title":{"rendered":"Novo vs. Bluevine Business Banking: Which is Better?"},"content":{"rendered":"\n<p>Forget the big bank bureaucracy. Today\u2019s small business owners need a banking partner that moves as fast as they do. But with a number of options flooding the market, choosing the right digital banking platform can feel like an impossible challenge. In the golden age of digital <a href=\"https:\/\/www.northone.com\/business-banking-essentials\">business banking<\/a>, how do you pick the best one?<\/p>\n\n\n\n<p>Often, the best way to gauge the ideal digital business bank is to stack up the competition side by side. To that end, let\u2019s look at Novo vs. Bluevine to determine which offers the best solutions for small business owners\u2014or if there\u2019s a better alternative to both.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Meet_the_Contenders_Novo_vs_Bluevine\"><\/span><strong>Meet the Contenders: Novo vs. Bluevine<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"http:\/\/www.novo.co\/\">Novo<\/a> and <a href=\"https:\/\/www.bluevine.com\/\">Bluevine<\/a> are two well-established business banks; however, it\u2019s important to have a clear understanding of their foundations before choosing one or the other:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Novo:<\/strong> Founded in 2016 by a team of tech and finance veterans, Novo set out to build a digital banking experience specifically designed for freelancers and entrepreneurs. They focus on seamless integration with popular business tools and fostering a mobile-first approach to managing your finances.<\/li>\n\n\n\n<li><strong>Bluevine:<\/strong> Launched in 2014, Bluevine boasts a heritage in small business finance. It started by offering lines of credit and invoice factoring and then expanded into online business banking. Bluevine aims to be a one-stop shop for small businesses, providing a checking account and access to credit and financial tools.<\/li>\n<\/ul>\n\n\n\n<p>Both banking institutions are committed to providing a robust digital experience\u2014one that differs from traditional banking structures. However, we must delve deeper into these options to understand which bank offers the optimal experience for <a href=\"https:\/\/www.northone.com\/blog\/financial-management\/small-business-financial-management\">small businesses<\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Head-to-Head_Comparison_of_Novo_vs_Bluevine\"><\/span><strong>Head-to-Head Comparison of Novo vs. Bluevine<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We evaluated each bank&#8217;s key features, rates, perks, and programs to help you determine which best meets your business needs. By examining their strengths and weaknesses across various aspects, we aim to help you decide which bank aligns with your operational and financial priorities.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Features\"><\/span><strong>Features<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When selecting a business banking solution, it&#8217;s crucial to understand the features each provider offers. This section compares Novo vs. Bluevine on essential aspects such as ATM access, cash deposit options, <a href=\"https:\/\/www.northone.com\/blog\/business-banking\/what-is-an-invoice\">invoicing<\/a> capabilities, international payments, software integrations, and customer support\u2014features that can significantly impact your business&#8217;s day-to-day operations and efficiency.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Novo<\/strong><\/td><td><strong>Bluevine<\/strong><\/td><\/tr><tr><td><strong>Account Type<\/strong><\/td><td>Single free business checking account<\/td><td>Three membership tiers: Free, Plus, Premier<\/td><\/tr><tr><td><strong>ATM Access<\/strong><\/td><td>Refunds all ATM fees, including out-of-network and international fees<\/td><td>Fee-free access to MoneyPass network; $2.50 for out-of-network<\/td><\/tr><tr><td><strong>Cash Deposits<\/strong><\/td><td>Not supported<\/td><td>$4.95 fee at MoneyPass ATMs; $1 + 0.5% at Allpoint ATMs<\/td><\/tr><tr><td><strong>Invoicing<\/strong><\/td><td>Built-in tool for unlimited invoicing<\/td><td>Not available<\/td><\/tr><tr><td><strong>International Payments<\/strong><\/td><td>Through Wise, with competitive rates<\/td><td>Available to 32 countries; $25 flat fee plus 1.5% conversion fee<\/td><\/tr><tr><td><strong>Software Integrations<\/strong><\/td><td>Over 15 integrations, including QuickBooks, Shopify, PayPal, Stripe<\/td><td>Multiple integrations, including QuickBooks, PayPal, Stripe<\/td><\/tr><tr><td><strong>Customer Support<\/strong><\/td><td>Email and chat support, no phone support<\/td><td>Phone and email support<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Winner_Novo\"><\/span><em><br><\/em><em>Winner: Novo<\/em><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Novo takes the lead in this category due to its comprehensive range of features tailored for digital businesses. Novo offers free ATM fee reimbursements, an integrated invoicing tool, and partnerships for international payments through Wise, making it highly versatile for small businesses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rates\"><\/span><strong>Rates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Understanding the rates associated with business bank accounts is essential for managing costs. This section outlines the monthly fees, annual percentage yields (APY), same-day ACH fees, overdraft fees, and outgoing wire fees for Novo vs. Bluevine. By comparing these rates, you can determine which bank offers the most cost-effective solution for your business.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Rate<\/strong><\/td><td><strong>Novo<\/strong><\/td><td><strong>Bluevine<\/strong><\/td><\/tr><tr><td><strong>Monthly Fee<\/strong><\/td><td>$0<\/td><td>$0 for Free, $49 for Plus, $95 for Premier (waivable)<\/td><\/tr><tr><td><strong>APY<\/strong><\/td><td>None<\/td><td>2.0% on balances up to $250,000 (Free), up to 4.25% (Premier)<\/td><\/tr><tr><td><strong>Same-day ACH<\/strong><\/td><td>1.5% per transaction (min $0.50, max $20)<\/td><td>$10 flat fee<\/td><\/tr><tr><td><strong>Overdraft Fees<\/strong><\/td><td>None<\/td><td>None<\/td><\/tr><tr><td><strong>Outgoing Wires<\/strong><\/td><td>Not supported<\/td><td>$12.50 to $15 depending on tier<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Winner_Bluevine\"><\/span><em><br><\/em><strong><em>Winner: Bluevine<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Bluevine stands out in this category thanks to its high APY of up to 2.0% on balances up to $250,000, making it a superior choice for businesses looking to earn interest on their checking accounts. Additionally, Bluevine offers competitive fees for same-day ACH transfers and outgoing wires.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Perks\"><\/span><strong>Perks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Business banking isn&#8217;t just about managing transactions but also maximizing benefits. In this section, we break down the various perks offered by Novo and Bluevine, including cash-back rewards, promotional deals, and sub-account availability. These perks can provide additional value and help you get the most out of your banking experience.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Perk<\/strong><\/td><td><strong>Novo<\/strong><\/td><td><strong>Bluevine<\/strong><\/td><\/tr><tr><td><strong>Cash Back Rewards<\/strong><\/td><td>None<\/td><td>1.5% cash back with Business Cashback Mastercard<\/td><\/tr><tr><td><strong>Promotional Deals<\/strong><\/td><td>Discounts on business software like QuickBooks, Stripe, Gusto<\/td><td>None<\/td><\/tr><tr><td><strong>Sub-accounts<\/strong><\/td><td>Up to 20 Reserves for managing budgets<\/td><td>Five free sub-accounts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Winner_Novo-2\"><\/span><strong><em>Winner: Novo<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Novo wins in the perks category, offering a range of promotional deals on popular business software such as QuickBooks, Stripe, and Gusto. Additionally, Novo provides up to 20 sub-accounts (Reserves) to help <a href=\"https:\/\/www.northone.com\/blog\/financial-management\/how-to-create-a-business-budget\">manage budgets<\/a> effectively.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison_of_Programs\"><\/span><strong>Comparison of Programs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Beyond basic banking services, small businesses often require access to financing and additional security. Let\u2019s stack up financing options\u2014such as lines of credit, merchant cash advances, and the FDIC insurance coverage\u2014provided by Novo and Bluevine. These programs can be vital for the growth and protection of your business.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Program<\/strong><\/td><td><strong>Novo<\/strong><\/td><td><strong>Bluevine<\/strong><\/td><\/tr><tr><td><strong>Financing Options<\/strong><\/td><td>Merchant Cash Advance up to $75,000<\/td><td>Line of credit up to $250,000 with a 6.2% estimated rate<\/td><\/tr><tr><td><strong>FDIC Insurance<\/strong><\/td><td>Up to $250,000<\/td><td>Up to $3 million<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Winner_Bluevine-2\"><\/span><em><br><\/em><strong><em>Winner: Bluevine<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Bluevine excels with its extensive line of credit (up to $250,000) at competitive rates and high FDIC insurance coverage (up to $3 million). While Novo offers merchant cash advances up to $75,000, Bluevine&#8217;s broader financing options and higher insurance limits make it the better choice for businesses seeking robust financial support and security.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison_of_Reviews\"><\/span><strong>Comparison of Reviews<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The overall experience of using a bank can be influenced by customer reviews, mobile app ratings, and the bank&#8217;s reputation with the Better Business Bureau (BBB). This information can help you gauge the reliability and satisfaction of other business owners with these banking solutions.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Metric<\/strong><\/td><td><strong>Novo<\/strong><\/td><td><strong>Bluevine<\/strong><\/td><\/tr><tr><td><strong>Customer Reviews<\/strong><\/td><td>4.5 stars on Trustpilot<\/td><td>4.3 stars on Trustpilot<\/td><\/tr><tr><td><strong>Mobile App Ratings<\/strong><\/td><td>4.8 stars on the App Store; 4.5 on Google Play<\/td><td>4.5 stars combined on the App Store and Google Play<\/td><\/tr><tr><td><strong>BBB Rating<\/strong><\/td><td>C (not accredited)<\/td><td>A+ (accredited)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Winner_Bluevine-3\"><\/span><em><br><\/em><strong><em>Winner: Bluevine<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Bluevine is the winner in the customer experience category, with a higher BBB rating of A+ and strong customer support, including phone service. It also boasts competitive Trustpilot ratings and positive app reviews, indicating a reliable and satisfactory user experience. Novo, while also highly rated on app stores, lacks phone support, which can be crucial for many business owners needing immediate assistance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Head-to-Head_Winner_Bluevine\"><\/span><strong>Head-to-Head Winner: Bluevine&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In the comparison of Novo vs. Bluevine, Bluevine comes out as our overall winner\u2014mainly because it provides a more comprehensive suite of benefits for small businesses. It offers higher interest rates (up to 2.0% APY on balances up to $250,000), extensive financing options, and higher FDIC insurance coverage of up to $3 million. Bluevine also excels in customer experience with a high BBB rating and accessible customer support. Although Novo has strong features and valuable perks, Bluevine&#8217;s combination of financial benefits, security, and customer satisfaction makes it the superior choice for most small businesses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Considering_an_Alternative_Try_North_One\"><\/span><strong>Considering an Alternative? Try North One<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you\u2019re split between Novo vs. Bluevine, don\u2019t worry\u2014there are alternatives out there that offer you the best of both worlds when it comes to digital business banking! <a href=\"https:\/\/www.northone.com\/\">North One<\/a> offers a unique combination of features that make it an exceptional choice for small businesses, surpassing both Novo and Bluevine in several critical areas.&nbsp;<\/p>\n\n\n\n<p>One of North One\u2019s standout characteristics is its support for unlimited sub-accounts\u2014referred to as <a href=\"https:\/\/help.northone.com\/en\/articles\/8733586-budget-with-north-one-envelopes\">envelopes<\/a>. This allows businesses to manage multiple budgets and financial goals easily within a single account, providing greater flexibility and organization compared to Bluevine\u2019s five sub-accounts and Novo\u2019s 20 reserves.&nbsp;<\/p>\n\n\n\n<p>Customer service is another area in which North One excels. It provides phone, email, and live chat support from Monday to Sunday, 8 am to 10 pm EST. This extensive availability ensures that business owners can get help whenever they need it, surpassing both Novo, which lacks phone support, and Bluevine, which offers more limited service hours.&nbsp;<\/p>\n\n\n\n<p>Additionally, North One integrates with close to 100 popular business tools and services, such as QuickBooks, PayPal, and Stripe, making it highly versatile and convenient for managing various business operations within one platform. North One also offers a range of perks for new customers, including over $5,000 in benefits!&nbsp;<\/p>\n\n\n\n<p>While North One does charge a fee for cash deposits and some wire transfers, its robust feature set, comprehensive customer service, and extensive integrations make it a superior choice for many small businesses looking for an all-in-one banking solution.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<span class='mb-center maxbutton-3-center'><span class='maxbutton-3-container mb-container'><a class=\"maxbutton-3 maxbutton maxbutton-apply-for-an-account\" title=\"Apply for a North One Account in less than 3 minutes.\" href=\"https:\/\/join.northone.com\/?utm_content=blog_inline\"><span class='mb-text'>Apply for an account<\/span><\/a><\/span><\/span>\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"You_Deserve_the_Best_in_Digital_Business_Banking\"><\/span><strong>You Deserve the Best in Digital Business Banking<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In the battle for business banking supremacy, both Novo and Bluevine offer distinct advantages.&nbsp; Novo empowers the tech-savvy entrepreneur with its invoicing tools, early access to payouts, and seamless integrations. For those prioritizing interest earnings and international transactions, Bluevine&#8217;s competitive APY and broader reach might be the winning edge.&nbsp;<\/p>\n\n\n\n<p>However, for those who want the best of <em>all<\/em> worlds, it\u2019s difficult to top North One. With perks to match both Novo and Bluevine, North One represents banking built for the digital age of commerce. Ultimately, it\u2019s important to carefully consider your banking habits, desired features, and financial goals to pick the digital banking solution that will help your business thrive.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Forget the big bank bureaucracy. Today\u2019s small business owners need a banking partner that moves as fast as they do. But with a number of options flooding the market, choosing&#8230;<\/p>\n","protected":false},"author":19,"featured_media":4431,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[153],"tags":[],"class_list":["post-4430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-banking"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Novo vs. Bluevine Business Banking: Which is Better? - North One<\/title>\n<meta name=\"description\" content=\"Compare the business banking options of Novo vs. Bluevine. 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