Smarter banking,
made for you.Smarter banking,
built for the way
you actually live.

Zero-fee everyday banking with early paycheck access.
Up to 5% cash back and credit-building you actually own.
3.75% APY on every dollar in Savings.

#1 Most Loved

Banking App™

Fee-Free Banking

Fee-free banking with no minimum balance.
60K+ fee-free ATMs nationwide.
SafetyNet covers up to $200 in overdraft, fee-free.

5% Cash Back

5% cash back with Nova Prime, or 2% with Nova Plus.
Pick a bonus category — gas, groceries, utilities.
Earn on every tap with the Nova Card.

Grow Credit

No credit check required to start building.
No interest, no annual fee, no security deposit.
Average member sees a 70-point lift in year one.

Easy Savings

Up to 3.75% APY on every Savings dollar.
Round-ups quietly grow your stash on autopilot.
Set named goals and track progress in real time.

Early Payday

Access up to $500 of your paycheck early when you ask.
Direct deposit lands up to two days sooner.
No mandatory fees and no interest.

24/7 Support

Real-time alerts on every transaction.
Talk to a real human, any hour, any day.
Protected by Visa's Zero Liability Policy.

- Fee-free banking with no minimum balance.
- 60K+ fee-free ATMs nationwide.
- SafetyNet covers up to $200 in overdraft, fee-free.

Prime

The most rewarding way to bank.

Unlock Nova Prime with qualifying direct deposits and stack 5% cash back, 3.75% APY on Savings, and a credit lift you can actually feel.

Security

Safeguard your money.

FDIC-style coverage via partner banks
Backed by Visa's Zero Liability Policy
Protection against fraudulent charges

Hear from our members

"Switched from a legacy bank after a billing mistake — Nova refunded me in under a minute and shipped a replacement card the next day. I'm not going back."

App Store

nova

Open a Nova checking
account in minutes.

Get started

FAQs

Nova is a fintech experience that partners with FDIC-style member banks to provide banking services. Your money sits with a partner bank; Nova builds the experience around it.