Choosing the right digital business bank can seriously impact your bottom line. In 2025, two major players dominate the space: Bluevine and Novo. While both offer modern, no-frills checking for entrepreneurs and small businesses, their core offerings cater to different needs.
Here’s how they stack up—quick, clear, and to the point.
Click here to visit Bluevine and see how you can earn your sign-up bonus today.
Account Overview
Bluevine Business Checking
- 1.5% APY on balances up to $250,000 (with qualifying activity)
- No monthly fees or minimum balances
- Up to 5 sub-accounts for budgeting (more on higher tiers)
- Free ACH transfers and incoming wires
- Access to 38,000+ MoneyPass ATMs
- Bill pay, invoicing, and mobile check deposit
- Upgraded tiers offer up to 3.7% APY with added perks
Novo Business Checking
- No APY on main balance, but 1.0% APY on Reserve funds
- No monthly fees, no minimums
- Unlimited Reserves for budgeting
- All ATM fees reimbursed worldwide
- No outgoing wires
- No support for direct cash deposits
- Built-in invoice creation, Stripe/Square integrations, and Zapier automations
BlueVine $300 Cash Bonus
Before we dive any deeper, here’s something you won’t want to miss—Bluevine is offering a $300 cash bonus just for signing up. It’s a quick and easy way to score some extra cash. Click the link below to get all the details.
Fees Compared
| Feature | Bluevine | Novo |
|---|---|---|
| Monthly Fee | $0 | $0 |
| ACH Transfers | Free | Free |
| Outgoing Wires | $15 Domestic / $30 Intl | Not available |
| ATM Access | Free at MoneyPass | All fees reimbursed |
| Overdraft Fees | $0 | $27 if negative 30+ days |
Interest Earnings
- Bluevine: Up to 1.5% APY (or 3.7% with upgrade) on checking balances—great for businesses holding large cash reserves.
- Novo: 1.0% APY only on Reserves. Main balance earns 0%.
A business with $100K could earn $1,500+ annually with Bluevine vs. $1,000 or less with Novo.
Best For…
Choose Bluevine if:
- You want high interest on your business balance
- You need bill pay, invoicing, and accounting integrations
- You want access to live customer support
- Your business doesn’t rely heavily on e-commerce platforms
Tap here to learn how you can unlock your Bluevine bonus.
Choose Novo if:
- You want global ATM fee reimbursements
- You rely on Stripe, Shopify, Square, or Zapier
- You need budgeting tools (Novo Reserves)
- You prefer a mobile-first experience and don’t mind email-only support
- Read more here.
Final Verdict
Bluevine is the better pick for service businesses, consultants, and companies with high balances who want to earn interest and manage cash flow efficiently.
Novo shines for e-commerce sellers, freelancers, and startups looking for deep integrations and budgeting tools with a sleek interface.
Both are excellent choices, but the right one depends on how your business banks. Want to earn interest and streamline finances? Go Bluevine. Need e-comm tools and flexibility? Novo’s your move.
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