Novo是专为独立企业打造的银行服务。通过免费的商业支票账户和真正为小企业主设计的平台，收款、转账、管理现金流——无分行、无月费、无最低余额要求。Novo提供什么？Novo将独立企业所需的资金管理工具整合到一个平台。开设免月费和最低余额要求的免费商业支票账户。发送无限发票并在线接受付款。使用Novo Reserves为税务、工资和储蓄整理资金，并通过实时交易洞察追踪和管理商业支出。连接你已使用的工具——QuickBooks、Stripe、Shopify、Square等——并通过支付处理商更快的结算快速获得资金。Novo与传统银行有何不同？Novo专为独立企业打造，而非从消费或企业银行改编。所有内容都在一个仪表板运行，让店主花更少时间处理银行业务，更多时间经营业务。Novo安全吗？商业安全内置其中：存款通过Novo的合作银行获得FDIC保险，账户包括欺诈监控、安全的卡片控制和即时卡片冻结。Novo适合谁？Novo服务于超过25万家小企业——专业服务、电商卖家、承包商、手艺人、零售、酒店和健身公司——都在寻找传统商业银行的现代替代方案。了解更多，请访问novo.co。Novo Platform Inc.（"Novo"）是一家金融科技公司，不是银行。银行服务由Middlesex Federal Savings, F.A.提供，FDIC成员。存款通过我们的合作银行Middlesex Federal Savings, Member FDIC获得最高25万美元的保险。
Novo 突然冻结并关闭了我的商业银行账户，同时继续持有属于我公司的约 15 万美元。
这些资金是财富 500 强客户对有效商业发票的合法付款。存款后不久，Novo 限制了我的账户并阻止了我对这笔钱的使用。该帐户后来被关闭，没有通知、解释或解决问题的机会。
Novo 目前已扣留这些资金大约五个月。在那段时间里，我没有收到任何明确的解释，没有可靠的还款时间表，也没有从实际的人类代表那里得到任何有意义的帮助。
该账户用于工资、供应商付款、运营费用、应收账款和日常现金流管理。 Novo 的行为对我的业务造成了严重且不必要的干扰，并使我的公司面临重大财务和运营风险。
我多次联系 Novo 寻求帮助，但只收到自动回复和客户服务调查。尽管我多次询问失踪的 15 万美元，Novo 甚至发消息表示问题已经解决。事情仍然没有解决，我的资金也没有退还。
在线评论描述了类似的投诉，涉及账户冻结、不明原因关闭、扣留资金和反应迟钝的客户支持。如果我知道这些被报道的做法，我绝不会在 Novo 存入大量商业资金。
Novo 的行为比客户服务失误严重得多。不应允许金融公司在数月之内阻止获取六位数的合法商业资金，同时拒绝提供有意义的解释或解决方案。
由于 Novo 未能解决此问题，我正在准备向州和联邦金融监管机构提出投诉，并保留所有合法权利和补救措施。
我请求 Novo 立即做出实质性回应，并立即退还我公司的资金。
编辑添加：Novo 的另一个 BS 机器人回复！自今年年初以来，我已经给 Novo 打电话和发电子邮件了大概 40 或 50 次，除了他们的自动回复之外什么也没有，而且自从他们关闭了我的账户以来，我也无法使用我自己的钱！
Novo 回复2026-08-04
Hi Charles,
Thank you for sharing this. We take reports of this nature very seriously and we want you to know that this is not the experience we want for any of our customers.
We understand how critical access to business funds is, especially when payroll, vendor payments, and daily operations depend on them. We hear the urgency in your message and we do not take it lightly.
Because account closures and fund holds involve sensitive account details we are not able to address the specifics of your situation publicly. We strongly encourage you to reach out to us directly at [email protected] so we can locate your account and make sure the right team is reviewing your case with the attention it deserves.
We want to make sure this is addressed properly and we look forward to connecting with you directly.
到目前为止，Novo 绝对是我所拥有的最好的在线银行体验。我在 Novo 刚成立时就加入了他们，并且对迄今为止的每一次互动都很满意。该网站易于浏览，用户福利非常棒，集成易于使用，并且客户服务是一流的。当我有问题或需要帮助时，响应时间非常快，并且在获得所需答案方面从未遇到过问题。他们不会把我当成另一个账号；他们对待我就像对待尊贵的客户一样。
c
customer · 写过 1 条评价 · 已认证 · 体验于 2026-07-26 ·
★★★★★
恢复信任不是一个好生意
Novo 回复2026-07-28
Hi there,
Thank you for taking the time to share your feedback. We hear you and we completely understand how frustrating it can be when an interaction does not go the way you expected. You deserve a smooth and supportive experience every time you reach out to us and we fell short of that.
If you still need assistance please do not hesitate to reach out to us directly at [email protected] and a member of our team will be happy to help you get everything sorted out.
We appreciate your feedback and hope to have the opportunity to provide you with a better experience.
Hi Monika,
Thank you for taking the time to share your feedback. We completely understand how frustrating it is to experience delays when you are running a business and counting on timely access to your funds.
Mobile check deposits can sometimes require additional review before funds are made available, and we recognize that when that happens without a clear explanation it can feel like a roadblock. We never want our customers to feel that way.
We also hear your concerns about the customer service experience and we take that seriously. You deserve clear communication and real support, not a robotic response.
We have located your open support ticket and one of our team members will be reaching out to you directly to provide more information and work through this with you personally. Please look out for that outreach and we look forward to making this right for you.
We appreciate your patience and your feedback.
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