<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url>
  <loc>https://novo.zendesk.com/hc/en-us</loc>
  <lastmod>2026-08-10T17:54:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022245252-How-do-I-reset-my-password</loc>
  <lastmod>2026-06-24T02:19:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022248512-If-I-am-involved-in-a-legal-financial-dispute-and-apply-for-a-Novo-account-or-have-an-existing-account-what-will-happen</loc>
  <lastmod>2025-01-17T14:15:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022249772-Can-I-use-a-debit-card-to-add-money-to-my-Novo-account</loc>
  <lastmod>2025-12-08T14:38:04Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022254492-Do-you-support-restrictive-legends-or-endorsements-on-checks</loc>
  <lastmod>2025-01-17T14:15:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022254572-Does-a-temporary-debit-authorization-hold-affect-my-account-balance</loc>
  <lastmod>2025-12-08T14:27:34Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022254652-How-do-I-change-my-PIN</loc>
  <lastmod>2025-12-29T21:36:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022254692-Why-is-there-a-hold-on-my-check</loc>
  <lastmod>2026-06-26T19:47:01Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022254792-When-will-my-funds-be-available</loc>
  <lastmod>2026-08-07T03:49:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022254812-What-are-the-bank-holidays</loc>
  <lastmod>2025-01-14T15:11:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022254832-What-are-the-check-deposit-limits</loc>
  <lastmod>2026-07-14T11:58:16Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022255092-How-can-I-receive-a-wire-transfer</loc>
  <lastmod>2026-07-21T23:47:05Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022407232-How-long-does-it-take-before-a-transfer-reaches-my-payee-s-account</loc>
  <lastmod>2026-05-18T13:01:16Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022407292--How-do-I-add-a-user-to-my-account</loc>
  <lastmod>2026-07-31T21:40:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022408872-Is-there-a-required-monthly-balance</loc>
  <lastmod>2026-03-05T12:24:04Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022409292-Does-Novo-offer-debit-and-credit-cards</loc>
  <lastmod>2026-06-28T17:26:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022409332-Can-I-have-multiple-Novo-accounts</loc>
  <lastmod>2026-07-28T03:43:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022409632-What-are-the-different-ways-I-can-make-a-deposit-to-my-Novo-account</loc>
  <lastmod>2026-06-20T04:46:45Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022410552-Do-I-need-a-Social-Security-Number-SSN-or-can-I-use-an-Employer-Identification-Number-EIN-to-apply-for-a-Novo-account</loc>
  <lastmod>2026-07-31T20:56:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022410592-How-do-I-send-my-business-documents-when-applying</loc>
  <lastmod>2026-06-30T21:51:16Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022410672-What-business-documents-do-I-need-to-open-an-account</loc>
  <lastmod>2025-01-17T13:59:44Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022414852-On-what-devices-can-I-use-Novo</loc>
  <lastmod>2025-01-17T14:14:59Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022414912-Does-Novo-check-my-credit-history-when-I-apply-for-a-Novo-account</loc>
  <lastmod>2026-07-30T16:03:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022415012-Do-Novo-accounts-have-an-ATM-withdrawal-limit</loc>
  <lastmod>2026-07-27T16:41:24Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022415072-Do-you-have-a-network-of-fee-free-ATMs</loc>
  <lastmod>2026-08-07T13:47:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022415252-Does-Novo-integrate-with-payroll</loc>
  <lastmod>2025-01-17T14:09:36Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022415652-How-is-Novo-different-from-traditional-banks</loc>
  <lastmod>2026-03-05T12:16:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022415692-Can-I-tap-to-pay</loc>
  <lastmod>2026-06-22T19:56:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022415932-Can-I-use-my-Novo-debit-card-at-an-ATM</loc>
  <lastmod>2026-07-14T02:21:51Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022415972-How-does-someone-send-an-ACH-to-my-Novo-account</loc>
  <lastmod>2026-08-10T13:55:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022416032-Does-Novo-issue-a-monthly-service-charge</loc>
  <lastmod>2025-01-17T14:15:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022416412-What-type-of-account-do-I-have-with-Novo</loc>
  <lastmod>2026-03-05T12:25:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022416512-Who-is-Novo-s-Sponsor-bank</loc>
  <lastmod>2026-08-03T08:05:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022417512-What-can-I-do-if-my-account-gets-hacked</loc>
  <lastmod>2026-07-28T18:36:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022418292-Can-I-request-payments-from-other-parties-via-the-Novo-app</loc>
  <lastmod>2026-05-15T16:52:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022418472-Does-Novo-support-non-profit-businesses</loc>
  <lastmod>2025-01-17T14:05:17Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022423791-Do-I-need-to-submit-a-travel-notice</loc>
  <lastmod>2026-08-07T04:23:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022428971-What-can-I-do-if-I-forgot-which-email-was-associated-with-my-account-or-application</loc>
  <lastmod>2026-06-10T16:17:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022429851-What-can-I-do-if-a-user-on-my-Novo-account-is-deceased</loc>
  <lastmod>2026-06-13T04:39:45Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022437711-How-do-I-activate-my-physical-debit-card</loc>
  <lastmod>2026-07-27T16:05:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022438091-How-soon-is-my-check-deposit-available</loc>
  <lastmod>2026-07-20T04:53:05Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022593251-Does-Novo-offer-overdraft-protection</loc>
  <lastmod>2025-01-17T14:09:42Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022593291-Can-I-use-Novo-as-a-payments-gateway</loc>
  <lastmod>2025-01-17T14:15:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022595111-How-do-I-connect-an-external-bank-account</loc>
  <lastmod>2026-05-29T18:14:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022595851-Are-there-any-business-types-that-Novo-does-not-support</loc>
  <lastmod>2026-08-08T17:39:45Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022596071-Can-someone-with-fiduciary-responsibilities-for-my-business-able-to-open-a-Novo-account</loc>
  <lastmod>2026-03-05T12:24:04Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022599891-What-information-will-I-need-to-provide-in-my-application</loc>
  <lastmod>2026-07-31T19:25:48Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022600111-Can-I-withdraw-or-deposit-cash-with-Novo</loc>
  <lastmod>2026-07-01T17:24:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022600131-Does-Novo-integrate-with-Xero</loc>
  <lastmod>2025-01-17T14:14:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022600271-Does-Novo-integrate-with-QuickBooks</loc>
  <lastmod>2026-07-23T13:25:12Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022600371-Does-Novo-integrate-with-PayPal</loc>
  <lastmod>2026-05-21T01:36:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022600451-Can-I-have-multiple-Novo-debit-cards</loc>
  <lastmod>2026-07-22T13:03:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022600531-How-can-I-get-a-voided-check-from-Novo</loc>
  <lastmod>2025-01-17T14:01:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022600811-Do-I-have-to-pay-any-fees-to-open-a-Novo-account</loc>
  <lastmod>2026-07-06T21:48:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022600891-Does-Novo-charge-overdraft-fees</loc>
  <lastmod>2026-06-08T06:16:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022601071-Does-Novo-have-an-affiliate-program</loc>
  <lastmod>2025-01-17T14:11:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022601711-Do-Novo-accounts-have-a-minimum-or-maximum-deposit</loc>
  <lastmod>2026-07-20T15:25:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022602931-What-can-I-do-if-I-do-not-have-enough-money-in-my-account-to-cover-my-transactions</loc>
  <lastmod>2026-03-05T12:20:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022603251-Can-I-send-money-internationally-with-a-Novo-account</loc>
  <lastmod>2026-07-07T22:55:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022603351-Does-Novo-provide-checks</loc>
  <lastmod>2026-07-10T05:05:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360022603531-How-do-I-close-my-Novo-account</loc>
  <lastmod>2026-08-01T00:15:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360025398232-How-do-I-update-personal-or-business-info-on-my-Novo-account</loc>
  <lastmod>2026-08-10T16:25:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360025779931-Can-a-trustee-of-my-business-open-a-Novo-account</loc>
  <lastmod>2024-09-28T20:31:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360026124052-What-is-Wise</loc>
  <lastmod>2025-01-17T14:09:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360026124372-What-is-the-Real-Exchange-Rate</loc>
  <lastmod>2025-01-17T14:12:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360026124432-How-does-Wise-determine-their-fees</loc>
  <lastmod>2025-01-17T14:12:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360026124552-Can-I-cancel-a-completed-Wise-transfer</loc>
  <lastmod>2026-06-16T03:00:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360026124592-How-secure-is-Wise</loc>
  <lastmod>2025-01-17T14:09:31Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360026421071-How-long-does-a-transfer-take-with-Wise</loc>
  <lastmod>2025-01-17T14:12:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360026421111-How-do-I-cancel-a-Wise-transfer</loc>
  <lastmod>2025-01-17T14:11:03Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360026421451-How-do-I-contact-Novo-support</loc>
  <lastmod>2026-08-10T19:34:59Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360026729472-What-features-are-included-with-a-Novo-account</loc>
  <lastmod>2026-03-05T12:25:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360028205932-What-happens-to-deleted-transactions-in-Xero</loc>
  <lastmod>2025-01-17T14:14:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360028206292-What-does-Novo-s-Integration-with-Xero-not-do</loc>
  <lastmod>2025-01-17T14:15:01Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360028206332-How-do-I-reconcile-sales-data-synced-to-Xero</loc>
  <lastmod>2025-01-17T14:15:10Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360028499911-What-is-Xero</loc>
  <lastmod>2025-01-17T14:14:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360028500051-How-do-I-connect-my-Novo-account-to-Xero</loc>
  <lastmod>2026-07-19T18:27:28Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360028500331-Help-my-Novo-account-lost-connection-to-Xero</loc>
  <lastmod>2025-01-17T14:15:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360028500411-How-do-I-disconnect-my-Novo-account-from-Xero</loc>
  <lastmod>2025-01-17T14:09:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360028500511-How-does-Novo-s-data-sync-with-Xero-work</loc>
  <lastmod>2026-05-15T19:18:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360028500631-What-does-the-Novo-Integration-with-Xero-do</loc>
  <lastmod>2025-01-17T14:15:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360029131272-Does-Novo-integrate-with-Stripe</loc>
  <lastmod>2025-01-17T14:15:00Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360029131332-Does-Novo-integrate-with-Zapier</loc>
  <lastmod>2025-01-17T13:59:45Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360029632611-Will-my-Wise-transfer-be-instant</loc>
  <lastmod>2025-01-17T14:12:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360029633191-Can-I-change-my-recipients-bank-details</loc>
  <lastmod>2025-01-17T14:09:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360033050452-How-much-is-Quickbooks</loc>
  <lastmod>2025-01-17T13:59:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360033420411-How-do-I-disconnect-my-Novo-account-from-Quickbooks</loc>
  <lastmod>2025-01-17T13:59:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360041914072-Using-Stripe-with-Novo-Invoicing</loc>
  <lastmod>2026-07-20T23:43:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360041931272-What-is-a-501-c-3</loc>
  <lastmod>2026-03-05T12:24:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360041933152-What-is-a-DBA</loc>
  <lastmod>2025-01-17T14:14:10Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360041933612-What-is-a-W-8BEN-Form</loc>
  <lastmod>2025-01-17T14:15:05Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042055072-What-is-a-Partnership-and-what-agreements-Partnership-Agreements-Certificate-of-Partnership-govern-it</loc>
  <lastmod>2026-03-05T12:24:05Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042055272-What-is-a-Corporation-and-what-documents-govern-its-formation-and-operation-Articles-of-Incorporation-and-Corporate-Bylaws</loc>
  <lastmod>2026-03-05T12:24:05Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042177231-What-does-Novo-s-Stripe-Integration-do</loc>
  <lastmod>2025-01-17T14:14:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042177391-How-do-I-turn-on-Novo-s-Stripe-Integration</loc>
  <lastmod>2025-01-17T14:04:21Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042347871-Do-I-need-a-driver-s-license-or-passport-to-apply</loc>
  <lastmod>2026-08-04T23:11:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042348111-Do-you-accept-IRS-documents-for-account-verification</loc>
  <lastmod>2026-07-25T21:22:48Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042477971-What-is-a-Sole-Proprietorship</loc>
  <lastmod>2026-03-05T12:24:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042478191-What-is-a-Limited-Liability-Company-LLC-and-what-documents-govern-its-formation-and-operation-Articles-of-Organization-and-Operating-Agreements</loc>
  <lastmod>2026-06-17T19:13:12Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042644132-What-is-a-foreign-registration-certificate-and-why-do-I-need-one</loc>
  <lastmod>2025-01-17T14:14:16Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042644712-Why-do-I-need-to-provide-a-US-physical-address-when-applying-for-an-account</loc>
  <lastmod>2026-04-10T16:52:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042648612-What-is-an-EIN</loc>
  <lastmod>2025-11-17T16:11:24Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042648852--Does-Novo-charge-international-debit-or-ATM-fees</loc>
  <lastmod>2026-05-26T15:31:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360042988092-How-can-I-get-a-bank-letter-for-my-account</loc>
  <lastmod>2026-07-26T20:06:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043085211-Why-does-Novo-ask-for-application-documents-that-others-do-not</loc>
  <lastmod>2025-01-02T15:08:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043088271-Why-Was-My-Application-Denied</loc>
  <lastmod>2026-08-01T04:13:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043090411-Does-Novo-support-2-factor-authentication-2FA</loc>
  <lastmod>2026-07-15T20:05:25Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043346612-How-do-I-list-owners-when-I-have-a-non-profit-ownership-structure</loc>
  <lastmod>2026-07-08T16:50:04Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043354292-How-are-my-funds-secure-with-Novo</loc>
  <lastmod>2026-07-01T16:55:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043367752-Can-I-send-domestic-and-international-wires-with-Novo</loc>
  <lastmod>2026-08-05T01:57:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043409731-Where-can-I-find-my-account-and-routing-numbers</loc>
  <lastmod>2026-06-08T17:15:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043424511-What-are-my-transaction-limits</loc>
  <lastmod>2026-03-05T12:20:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043564412-Can-I-deposit-third-party-checks-into-my-Novo-account</loc>
  <lastmod>2025-01-17T14:14:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043564452-How-long-can-my-account-be-inactive-before-it-is-closed</loc>
  <lastmod>2026-06-08T14:12:05Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043624992-Where-can-I-find-Novo-perks</loc>
  <lastmod>2025-01-17T14:03:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043795611-Help-my-debit-card-is-lost-or-stolen</loc>
  <lastmod>2026-06-20T15:56:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043796911-How-do-I-deposit-checks-with-Novo</loc>
  <lastmod>2026-06-18T00:03:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043799751-Does-Novo-integrate-with-Zoho</loc>
  <lastmod>2025-01-17T14:14:24Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043803311-How-do-I-connect-Novo-to-Venmo</loc>
  <lastmod>2025-01-17T14:09:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043805811-Is-Novo-available-for-businesses-or-owners-outside-of-the-United-States</loc>
  <lastmod>2026-06-27T15:26:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043809051-How-can-I-set-up-direct-deposits-into-my-Novo-account</loc>
  <lastmod>2026-06-29T09:01:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043943971-How-do-I-deposit-money-orders-or-cashier-s-checks-with-Novo</loc>
  <lastmod>2026-07-27T12:57:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360043944871-Can-I-connect-Novo-to-Square</loc>
  <lastmod>2026-07-09T14:28:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360044011511-How-long-do-ACH-transfers-take</loc>
  <lastmod>2026-07-26T23:33:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360044011531-How-long-does-it-take-to-review-my-application</loc>
  <lastmod>2026-05-14T21:48:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360044091151-Can-I-connect-Novo-to-Wave</loc>
  <lastmod>2025-01-17T14:14:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360045911312-I-couldn-t-verify-my-identity-with-Novo-what-do-I-do-next</loc>
  <lastmod>2025-01-17T14:14:19Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360045911392-Why-it-is-taking-so-long-to-verify-my-ID</loc>
  <lastmod>2025-01-17T14:05:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360046339711-What-is-the-identity-verification-process-for-check-deposits</loc>
  <lastmod>2026-06-30T15:31:20Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360046339771-Why-does-Novo-do-identity-verification</loc>
  <lastmod>2026-06-23T22:19:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360046339831-Can-I-try-to-verify-my-identity-again-if-this-verification-fails</loc>
  <lastmod>2025-01-17T14:05:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360051973972-What-card-network-does-Novo-use</loc>
  <lastmod>2025-12-08T14:26:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360051984212-Can-I-cancel-my-ACH-transfer</loc>
  <lastmod>2026-06-26T13:08:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360051985152-How-do-I-dispute-an-unauthorized-ACH-transfer</loc>
  <lastmod>2026-08-03T23:09:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052168112-How-can-I-access-the-Novo-Shopify-integration-through-my-Shopify-account</loc>
  <lastmod>2025-01-17T14:04:17Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052405591-Where-do-I-find-my-Novo-account-statements</loc>
  <lastmod>2026-08-10T19:02:46Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052408951-What-address-is-associated-with-my-debit-card</loc>
  <lastmod>2026-06-08T15:53:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052621011-Can-I-add-the-Stripe-Integration-as-a-Widget-on-my-App-s-Dashboard</loc>
  <lastmod>2025-01-17T14:15:03Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052621411-Does-Novo-integrate-with-Shopify</loc>
  <lastmod>2025-01-17T14:04:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052621551-What-does-the-Novo-Shopify-integration-do</loc>
  <lastmod>2025-01-17T14:04:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052622271-How-do-I-disconnect-the-Shopify-integration</loc>
  <lastmod>2025-01-17T14:04:16Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052622391-Can-I-add-the-Shopify-integration-as-a-widget-on-my-app-s-dashboard</loc>
  <lastmod>2025-01-17T14:09:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052980511-Can-I-change-my-business-type-from-a-sole-proprietorship-to-an-LLC-after-my-account-is-opened</loc>
  <lastmod>2026-07-04T14:15:12Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360052990991-Does-Novo-Accept-eChecks</loc>
  <lastmod>2026-06-01T23:47:44Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360053123192-How-do-I-access-the-Stripe-perk</loc>
  <lastmod>2025-01-17T14:04:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360053619391-Why-was-my-ACH-transfer-returned</loc>
  <lastmod>2026-05-19T15:41:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360053999832-How-do-I-download-my-transaction-history-as-a-CSV-file</loc>
  <lastmod>2025-01-17T14:10:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054002672-Sole-Proprietorships-Where-is-my-business-name</loc>
  <lastmod>2026-06-09T00:06:05Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054151952-Does-Wise-have-limits</loc>
  <lastmod>2025-01-17T14:12:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054530891-When-do-I-need-a-DBA-certificate</loc>
  <lastmod>2025-01-17T13:59:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054574312-What-is-the-username-and-password-for-my-account</loc>
  <lastmod>2026-07-22T21:23:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054620272-Why-can-t-I-receive-the-phone-verification-code</loc>
  <lastmod>2026-08-01T04:36:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054716052-Does-Novo-Offer-Instant-Transfers-Same-Day-ACH</loc>
  <lastmod>2026-06-08T18:18:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054776072-What-are-Novo-Reserves</loc>
  <lastmod>2025-01-17T14:01:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054776092-What-do-the-different-balances-in-my-Novo-account-mean</loc>
  <lastmod>2025-01-17T14:01:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054781832--How-do-I-move-money-in-and-out-of-my-Reserves</loc>
  <lastmod>2026-07-03T12:04:52Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054835152-Can-I-open-a-Trust-account-for-my-business-with-Novo</loc>
  <lastmod>2026-03-05T12:24:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054865512-How-do-I-create-an-invoice-through-Novo</loc>
  <lastmod>2025-03-20T16:04:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360054922712-How-does-my-client-pay-an-invoice</loc>
  <lastmod>2026-06-04T02:47:44Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055208711-Can-I-spend-money-from-my-Reserves-directly</loc>
  <lastmod>2026-06-16T05:17:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055282472-Does-Novo-integrate-with-Square</loc>
  <lastmod>2025-01-17T14:03:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055282732-Can-I-add-the-Square-integration-as-a-widget-on-my-app-s-dashboard</loc>
  <lastmod>2025-01-17T14:14:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055282772-How-do-I-disconnect-the-Square-integration</loc>
  <lastmod>2025-01-17T14:14:12Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055283271-Does-Novo-offer-invoicing</loc>
  <lastmod>2026-08-01T21:13:19Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055342311-What-happens-when-my-invoice-is-paid</loc>
  <lastmod>2026-07-31T03:54:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055342331-Can-I-cancel-an-invoice-after-it-has-been-sent</loc>
  <lastmod>2025-07-14T14:40:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055689131-What-does-the-Square-integration-do</loc>
  <lastmod>2025-01-17T14:14:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055689231-How-can-I-add-Square-to-the-Novo-app</loc>
  <lastmod>2025-01-17T14:14:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055689411-How-can-I-access-Square-through-Novo-s-online-portal</loc>
  <lastmod>2025-01-17T14:14:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360055753092-Why-is-the-application-rejecting-my-address</loc>
  <lastmod>2026-02-27T14:22:20Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360056200171-What-if-my-business-partner-does-not-have-an-SSN</loc>
  <lastmod>2026-08-07T18:53:01Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360057071032-What-is-Novo-s-address</loc>
  <lastmod>2026-07-31T17:55:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360057753851-I-deleted-my-Reserve-where-are-my-funds</loc>
  <lastmod>2025-01-17T14:04:21Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360059359912-I-m-outside-of-the-US-and-not-receiving-the-code</loc>
  <lastmod>2026-05-30T19:21:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360059770431-Can-I-opt-out-of-device-authentication</loc>
  <lastmod>2026-06-16T14:47:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360059770491-What-happens-if-I-lose-my-phone</loc>
  <lastmod>2026-07-28T16:14:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360059771931-Help-I-didn-t-get-the-code</loc>
  <lastmod>2026-06-09T14:40:36Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360059848131-What-makes-a-password-strong</loc>
  <lastmod>2025-01-17T14:14:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360061265672-How-do-I-edit-or-delete-a-payee</loc>
  <lastmod>2025-05-07T19:16:34Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/360061678331-How-do-I-add-a-payee</loc>
  <lastmod>2026-05-16T17:44:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4402571268884-How-do-I-receive-payouts-from-Stripe</loc>
  <lastmod>2025-01-17T14:10:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4402580656532-How-to-Send-Funds-to-Stripe</loc>
  <lastmod>2025-01-17T14:10:24Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4402606828308-What-if-there-is-an-unrecognized-withdrawal-on-my-account</loc>
  <lastmod>2025-01-17T14:05:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4404331458580-How-do-I-customize-my-Novo-Dashboard</loc>
  <lastmod>2026-03-05T12:24:10Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4404625635220-How-do-I-update-the-EIN-on-my-account</loc>
  <lastmod>2025-01-17T14:03:28Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4404625674388-How-do-I-update-the-business-name-and-type-on-my-account</loc>
  <lastmod>2026-06-26T02:04:27Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4404625682580-How-do-I-update-my-personal-name-on-my-account</loc>
  <lastmod>2026-08-08T17:03:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4405035802260-How-do-I-freeze-my-account</loc>
  <lastmod>2025-01-17T13:59:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4405035976980-How-do-I-remove-an-additional-user</loc>
  <lastmod>2025-05-19T15:45:31Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4405036633876-Can-I-get-yearly-or-multi-month-statements</loc>
  <lastmod>2026-08-04T16:46:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4405407820308-How-do-I-receive-texts-for-account-updates</loc>
  <lastmod>2025-01-17T14:09:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4406052645652-What-is-personal-data</loc>
  <lastmod>2024-12-31T13:16:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4406052672276-What-account-information-should-I-avoid-sharing-online</loc>
  <lastmod>2025-01-17T13:59:42Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4406530113300-How-to-find-my-Virtual-Card-s-full-details</loc>
  <lastmod>2026-07-15T13:40:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4406530151316-How-do-I-freeze-unfreeze-my-Novo-Virtual-Card</loc>
  <lastmod>2026-08-05T12:40:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4406530396564-Will-the-business-name-or-DBA-show-on-my-Virtual-Card</loc>
  <lastmod>2025-12-08T14:26:59Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4406538104084-Can-I-connect-my-Virtual-Card-to-Apple-Samsung-and-Google-Pay</loc>
  <lastmod>2026-06-23T12:58:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4406538192404-What-is-the-billing-address-of-my-Novo-Virtual-Card</loc>
  <lastmod>2026-05-31T19:48:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4406538385812-How-do-I-use-my-Novo-Virtual-Card-for-online-purchases</loc>
  <lastmod>2026-08-10T14:51:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4407374671380-Where-can-I-find-my-legal-business-name</loc>
  <lastmod>2026-06-26T13:44:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4411068899860-Is-There-a-Limit-to-the-Number-of-Referrals-That-Can-Be-Made</loc>
  <lastmod>2025-01-17T14:12:52Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4411068923412-Can-I-refer-one-of-my-own-businesses-to-Novo</loc>
  <lastmod>2025-01-17T14:12:51Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4411068949524-How-Will-I-Know-If-My-Referral-is-Successful</loc>
  <lastmod>2025-01-17T14:09:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4411077077012-Who-is-Eligible-for-the-Novo-Referral-Program-Bonus</loc>
  <lastmod>2026-05-17T15:56:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4411077184660-What-Are-the-Qualifications-to-Receive-the-Novo-Referral-Program-Bonus</loc>
  <lastmod>2026-07-29T16:51:19Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4411077194516-Can-I-Use-More-Than-One-Novo-Referral-Program-Link-When-Applying</loc>
  <lastmod>2024-09-28T23:45:04Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4411085859604-Where-Do-I-Find-My-Referral-Link</loc>
  <lastmod>2025-03-09T17:25:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4411085910164-Will-I-need-to-report-the-referral-bonus-I-receive-on-my-taxes</loc>
  <lastmod>2025-01-17T13:59:45Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4411645961236-Can-I-Apply-a-Referral-Code-After-My-Account-Is-Open</loc>
  <lastmod>2025-01-17T13:59:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4417400094740-My-card-has-been-declined</loc>
  <lastmod>2026-08-06T18:58:03Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4418974789012-How-do-I-update-my-address-and-contact-info-on-invoices</loc>
  <lastmod>2025-01-17T14:03:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4418977748372-Can-I-customize-the-way-my-invoices-look</loc>
  <lastmod>2025-01-17T14:02:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4418979484436-How-do-I-add-a-new-client-for-an-invoice</loc>
  <lastmod>2025-01-17T14:01:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4485153366676-What-is-Novo-Boost</loc>
  <lastmod>2025-01-17T14:05:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4485201116308-How-do-I-gain-access-to-Novo-Boost</loc>
  <lastmod>2025-01-17T14:10:16Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4485203251348-Can-I-lose-access-to-Novo-Boost</loc>
  <lastmod>2025-01-17T14:10:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4485238270484-Are-there-any-limits-on-Novo-Boost</loc>
  <lastmod>2025-01-17T14:03:34Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4485265225108-Why-am-I-seeing-multiple-transactions-on-my-account-associated-with-one-Stripe-Payout</loc>
  <lastmod>2025-01-17T14:01:44Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/4640977954964-What-is-Novo</loc>
  <lastmod>2026-06-18T18:27:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177445984660-What-is-Express-ACH</loc>
  <lastmod>2025-01-17T14:05:20Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177551334932-What-are-the-Express-ACH-timing-windows</loc>
  <lastmod>2026-06-05T22:02:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177553741716-How-will-the-fee-associated-with-Express-ACH-appear-on-my-account-statement</loc>
  <lastmod>2025-01-17T14:10:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177567808404-Why-is-the-Express-ACH-fee-different</loc>
  <lastmod>2025-01-17T14:10:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177569332756-If-I-cancel-my-transfer-will-I-also-be-reimbursed-the-fee-charged-for-Express-ACH</loc>
  <lastmod>2025-01-17T14:10:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177612358804-Do-I-have-different-transfer-limits-for-Express-ACH</loc>
  <lastmod>2026-08-10T18:18:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177622387348-Is-there-a-limit-on-how-much-I-can-transfer-via-Express-ACH</loc>
  <lastmod>2026-06-01T19:22:27Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177626003732-Will-the-payee-get-the-full-amount-I-send</loc>
  <lastmod>2025-01-17T14:12:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177651779348-Will-I-get-my-fee-reimbursed-if-my-ACH-Payment-is-returned</loc>
  <lastmod>2025-01-17T14:10:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177688438548-The-deadline-has-passed-but-my-recipient-still-hasn-t-received-their-funds</loc>
  <lastmod>2025-01-17T14:05:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177692025236-Can-I-cancel-an-Express-ACH-transfer</loc>
  <lastmod>2025-01-17T14:05:21Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6177700125076-What-happens-if-I-get-my-recipient-s-details-wrong</loc>
  <lastmod>2025-01-17T14:10:24Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6209208831508-Manage-Activate-or-Deactivate-Your-Novo-Debit-Card</loc>
  <lastmod>2026-07-27T16:05:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6209277155988-Connect-to-Payment-Processors-and-Other-Business-Software-from-the-Novo-App-Marketplace</loc>
  <lastmod>2026-06-16T02:13:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6209349071124-How-do-I-increase-my-limits</loc>
  <lastmod>2026-03-05T12:24:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6529239481236-What-is-the-transaction-description-logic-and-type-that-appears-within-the-transaction-details-section-of-my-Express-ACH-transaction-on-the-activity-page</loc>
  <lastmod>2025-01-17T14:10:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/6537662579220-Why-are-the-delivery-times-different</loc>
  <lastmod>2025-01-17T14:10:25Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7082102770452-How-do-I-create-a-new-Reserve</loc>
  <lastmod>2025-01-17T14:02:27Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7082258363924-How-do-I-update-Reserves-details</loc>
  <lastmod>2025-01-17T14:11:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7083178160148-How-do-I-transfer-funds-to-and-from-a-Reserve</loc>
  <lastmod>2025-01-17T14:12:00Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7083292478356-How-do-I-make-a-payment-from-a-Reserve</loc>
  <lastmod>2025-01-17T14:12:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7083508287252--How-do-I-assign-a-transaction-to-a-Reserve</loc>
  <lastmod>2026-06-26T20:56:01Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7097402871956-Can-I-automatically-deposit-income-to-Reserves</loc>
  <lastmod>2025-01-17T14:12:01Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7097508116500-How-many-Reserves-can-I-create</loc>
  <lastmod>2025-01-17T14:09:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7964249302676-How-do-I-start-a-Novo-application</loc>
  <lastmod>2026-06-18T17:43:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7964426054036-How-do-I-turn-on-notifications</loc>
  <lastmod>2026-07-13T17:35:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7965587675796-Where-is-my-Shopify-payment</loc>
  <lastmod>2025-01-17T14:04:17Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7966338470804-Can-I-add-a-note-or-memo-to-a-mailed-check</loc>
  <lastmod>2025-01-17T14:01:42Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7966434204052-Can-I-view-transaction-history-in-and-out-of-my-Reserves</loc>
  <lastmod>2025-01-17T14:09:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7969901989012-Do-I-need-to-request-a-limit-increase-for-an-incoming-deposit</loc>
  <lastmod>2026-07-30T21:43:21Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/7970071619604-Does-Novo-allow-more-than-one-DBA</loc>
  <lastmod>2026-06-09T13:10:10Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8053451107348-How-can-I-see-the-image-of-my-deposited-check</loc>
  <lastmod>2026-07-23T20:04:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8053479428372-How-can-I-view-my-transaction-details</loc>
  <lastmod>2026-07-27T13:36:49Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8053648722452-How-can-I-receive-a-Wise-payment</loc>
  <lastmod>2025-01-17T14:11:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8053774657812-Why-was-my-Wise-payment-removed-and-redeposited</loc>
  <lastmod>2025-01-17T14:11:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8053909867796-Wise-charged-me-31-for-an-account</loc>
  <lastmod>2025-01-17T14:11:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8054320555668-How-do-I-change-my-Email-address-on-the-account</loc>
  <lastmod>2026-06-28T22:29:48Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8061770748308-How-do-I-log-out-of-my-account</loc>
  <lastmod>2025-01-17T14:05:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8062408933140-How-do-I-remove-an-external-banking-account</loc>
  <lastmod>2025-01-17T14:02:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8076604588820-What-are-Micro-deposits</loc>
  <lastmod>2025-01-17T14:10:19Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8076786722196-Will-I-receive-tax-documents-for-my-account</loc>
  <lastmod>2026-07-13T13:42:05Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8077899433620-What-would-happen-to-my-funds-if-Novo-closes</loc>
  <lastmod>2026-07-28T16:20:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8079541879700-Where-is-my-mailed-check-number</loc>
  <lastmod>2025-01-17T14:05:17Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8586333977876-Cannot-make-a-wise-payment-error-in-updating-quote</loc>
  <lastmod>2025-01-17T14:11:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/8742229131028-Can-I-duplicate-an-invoice</loc>
  <lastmod>2025-01-17T14:02:34Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/9006845789972-How-do-I-dispute-a-card-transaction</loc>
  <lastmod>2026-07-22T12:18:19Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/9280212432916-I-lost-or-misplaced-my-EIN-number-where-can-I-get-a-copy</loc>
  <lastmod>2026-08-03T17:41:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/9807183690772-Low-Balance-Alerts</loc>
  <lastmod>2026-03-05T12:24:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10173840634516-How-long-do-I-have-to-transfer-my-advance-to-Novo-Funding</loc>
  <lastmod>2025-06-02T15:27:17Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10173902905364-Can-my-monthly-transfer-amount-increase-or-decrease-over-time</loc>
  <lastmod>2025-06-02T15:28:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10173948033684-How-much-is-my-monthly-transfer</loc>
  <lastmod>2025-06-02T15:27:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10173991919124-Can-I-defer-a-scheduled-monthly-transfer</loc>
  <lastmod>2025-06-02T15:28:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10173995513364-What-s-my-outstanding-balance</loc>
  <lastmod>2025-06-02T15:28:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10174001667988-Can-I-set-up-an-auto-transfer-with-an-external-account</loc>
  <lastmod>2025-06-02T15:28:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10174045181588-What-if-my-account-doesn-t-have-enough-funds-to-cover-a-scheduled-monthly-transfer-to-Novo-Funding</loc>
  <lastmod>2025-06-02T15:29:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10174053193108-Will-Novo-pull-from-my-external-account-if-my-Novo-account-is-short</loc>
  <lastmod>2025-06-02T15:29:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10174098705428-What-happens-if-my-account-closes-before-I-ve-made-the-full-transfer-to-Novo-Funding</loc>
  <lastmod>2025-06-02T15:29:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10174222903188-Can-I-turn-off-auto-transfer</loc>
  <lastmod>2025-08-29T20:28:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10174247538324-Will-an-autotransfer-still-pull-the-full-amount-if-the-amount-due-is-less</loc>
  <lastmod>2025-08-29T20:25:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10174307265428-Can-I-pay-off-my-MCA-early</loc>
  <lastmod>2026-06-01T17:49:20Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10174623014548-What-does-my-manual-transfer-cover</loc>
  <lastmod>2025-06-02T15:30:21Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10174878335892-Where-is-my-funding-deposit</loc>
  <lastmod>2025-06-02T15:31:27Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10175123295252-Can-I-apply-for-more-funds</loc>
  <lastmod>2025-06-02T15:22:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/10175130137876-How-much-funding-do-I-have-left-to-use</loc>
  <lastmod>2025-06-02T15:31:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/11242985770644-How-do-I-turn-on-Face-ID</loc>
  <lastmod>2025-01-17T14:11:05Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/11361077402644-How-do-I-add-my-virtual-card-to-PayPal</loc>
  <lastmod>2026-06-18T13:55:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/11363404073236-How-do-I-add-my-virtual-card-to-my-Venmo-account</loc>
  <lastmod>2026-07-13T14:02:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/12787431630228-Does-Novo-accept-post-dated-check</loc>
  <lastmod>2026-05-22T02:47:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/12862469739540-How-do-I-send-someone-an-invoice-after-it-s-been-created</loc>
  <lastmod>2025-01-17T14:02:34Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/12863182186004-Can-I-send-recurring-invoices-from-Novo</loc>
  <lastmod>2025-01-17T14:02:36Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/12863629502996-Can-I-cancel-a-recurring-series-of-invoices-after-it-s-been-created</loc>
  <lastmod>2025-01-17T14:02:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/12863869579156-Using-Square-with-Novo-Invoicing</loc>
  <lastmod>2025-01-17T14:11:01Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/12863964651924-Using-PayPal-with-Novo-Invoicing</loc>
  <lastmod>2025-01-17T14:11:00Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/13586412928532-Why-is-my-available-balance-negative-when-there-are-funds-in-the-Reserves</loc>
  <lastmod>2026-05-20T15:25:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/13754593542676-How-do-I-redeem-a-Partner-Perk</loc>
  <lastmod>2025-01-17T14:02:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/14370015531284-How-do-I-save-an-invoice-as-a-draft</loc>
  <lastmod>2025-01-17T13:59:48Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/14466785236884-How-can-I-schedule-an-invoice</loc>
  <lastmod>2026-05-19T23:03:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15116892021268-How-do-I-find-exchange-rates</loc>
  <lastmod>2025-12-08T14:27:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15184048365204-How-do-I-make-a-transfer-from-Ally-Bank</loc>
  <lastmod>2024-09-28T17:41:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15231772701972-How-to-wire-funds-from-Ally-Bank-to-your-Novo-Account</loc>
  <lastmod>2024-09-28T17:40:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15233701889684-How-to-wire-funds-from-a-Chase-personal-account-to-your-Novo-account</loc>
  <lastmod>2025-01-17T14:10:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15233820511892-How-to-wire-funds-from-Navy-Federal-Credit-Union-to-your-Novo-Account</loc>
  <lastmod>2025-01-17T14:10:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15233878865556-How-to-wire-funds-from-USAA-to-your-Novo-Account</loc>
  <lastmod>2025-01-17T14:10:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15235497161108-How-to-wire-funds-from-a-Chase-Business-bank-account-to-your-Novo-account</loc>
  <lastmod>2026-05-27T17:42:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15240193057684-How-do-I-add-Novo-as-a-deposit-method-in-an-Amazon-Seller-account</loc>
  <lastmod>2026-07-02T10:59:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15303302190740-How-to-wire-funds-from-a-Chase-Bank-account-to-your-Novo-account</loc>
  <lastmod>2024-09-28T17:40:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15303721961108-How-to-wire-Bank-of-America-funds-to-your-Novo-account</loc>
  <lastmod>2024-09-28T17:40:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15326788765972-How-do-I-wire-funds-to-my-Novo-account</loc>
  <lastmod>2024-09-28T17:40:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15357571762708-Additional-user-needs-help-with-their-application</loc>
  <lastmod>2025-01-17T14:10:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15428470904980-How-do-I-send-an-ACH-or-bank-transfer-from-my-current-bank-account-to-my-new-Novo-account</loc>
  <lastmod>2026-08-04T14:54:24Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15521311077268-How-do-I-link-my-Novo-Account-to-CashApp</loc>
  <lastmod>2024-09-28T17:44:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15521816520084-Why-does-my-linked-account-show-an-error</loc>
  <lastmod>2024-09-28T19:32:44Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15522065118100-How-do-I-link-an-external-bank-account-to-my-Novo-account</loc>
  <lastmod>2026-08-10T20:42:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15522168863380-What-are-these-0-00-deposits-in-my-account</loc>
  <lastmod>2024-09-28T20:47:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15522249251860-How-do-I-share-my-account-information-with-vendors-or-contractors-so-I-can-get-paid</loc>
  <lastmod>2026-06-23T21:10:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15909826026516-What-address-did-or-will-my-card-get-sent-to</loc>
  <lastmod>2026-07-08T18:01:21Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15909873103764-Why-am-I-blocked-from-transacting-with-certain-merchants-or-in-specific-countries</loc>
  <lastmod>2026-06-21T23:01:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/15959142835604-How-do-I-receive-PayPal-payouts-to-my-Novo-account</loc>
  <lastmod>2026-06-21T03:34:48Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17132130077076-Can-I-add-a-user-with-partial-read-only-access</loc>
  <lastmod>2025-01-17T14:10:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17564753081236-How-to-view-your-billable-items-for-invoices-in-your-Item-Library-Mobile-app</loc>
  <lastmod>2025-01-17T14:02:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17616861558932-What-is-Novo-Funding</loc>
  <lastmod>2025-06-02T15:58:04Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17616905163284-What-is-a-merchant-cash-advance-MCA</loc>
  <lastmod>2025-06-02T15:57:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17616936970132-How-is-a-merchant-cash-advance-different-from-a-loan</loc>
  <lastmod>2025-06-02T15:57:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17616944507668-How-does-the-monthly-transfer-to-Novo-Funding-work</loc>
  <lastmod>2025-08-29T20:24:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17616991441044-Can-I-initiate-my-monthly-transfer-to-Novo-Funding-early</loc>
  <lastmod>2025-08-29T20:22:12Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617017179412-Is-there-a-penalty-for-early-transfers-made-to-Novo-Funding</loc>
  <lastmod>2025-06-02T15:31:44Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617025699348-What-fees-will-I-pay</loc>
  <lastmod>2025-06-02T15:32:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617056172948-How-are-my-Total-Funding-Limit-and-Monthly-Rate-decided</loc>
  <lastmod>2025-06-02T15:33:00Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617075780244-How-can-I-get-a-higher-funding-limit</loc>
  <lastmod>2025-06-02T15:33:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617125225236-Are-there-personal-guarantees-with-Novo-Funding</loc>
  <lastmod>2025-06-02T15:22:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617152510612-How-do-businesses-usually-use-their-funding</loc>
  <lastmod>2025-06-02T15:33:25Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617172934420-Why-should-I-connect-my-other-bank-accounts-to-Novo</loc>
  <lastmod>2025-06-02T15:33:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617182051348-Why-do-my-external-accounts-need-to-stay-linked</loc>
  <lastmod>2025-06-02T15:33:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617252912532-Will-Novo-offer-longer-terms-in-the-future</loc>
  <lastmod>2025-06-02T15:53:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617268699668-What-if-I-miss-a-monthly-transfer-to-Novo-Funding</loc>
  <lastmod>2026-06-19T00:45:20Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617291598740-Do-I-need-to-draw-funds-by-a-certain-date</loc>
  <lastmod>2025-06-02T15:53:50Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617302744852-What-if-I-don-t-have-enough-money-in-my-Novo-account-to-complete-the-monthly-transfer-to-Novo-Funding</loc>
  <lastmod>2025-08-29T20:20:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617340767252-Does-Novo-report-to-the-credit-bureaus</loc>
  <lastmod>2025-06-02T16:25:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617347927956-Can-I-self-report-to-Dun-Bradstreet-D-B</loc>
  <lastmod>2025-06-02T15:24:49Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617413747732-How-do-I-get-my-year-end-statement</loc>
  <lastmod>2026-06-16T15:04:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617418865044-Can-I-add-a-cosigner-if-I-wasn-t-approved</loc>
  <lastmod>2025-06-02T15:56:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617420510484-When-will-I-get-my-monthly-statement</loc>
  <lastmod>2025-08-29T20:18:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/17617477498388-How-do-I-apply-for-Novo-Funding</loc>
  <lastmod>2026-07-25T20:11:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/18764821590164-How-can-I-sort-my-invoices</loc>
  <lastmod>2024-10-23T22:48:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/18765289693844-How-do-I-search-for-an-invoice</loc>
  <lastmod>2025-01-17T14:01:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/19329240943892-Can-I-send-a-Mailed-Check-Internationally</loc>
  <lastmod>2025-01-17T14:03:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/19330323759508-How-to-Send-Manual-Invoice-Reminders</loc>
  <lastmod>2025-01-17T14:01:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/19975815783444-How-do-I-transfer-money-internationally-to-a-different-currency</loc>
  <lastmod>2026-08-04T20:41:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/20361997005716-Does-Novo-integrate-with-my-Amazon-Seller-account</loc>
  <lastmod>2024-09-28T21:29:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/20397082465812-Do-you-have-a-list-of-all-transaction-categories</loc>
  <lastmod>2026-05-14T11:38:03Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/20798576935060-Stripe</loc>
  <lastmod>2024-09-28T23:47:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/20956610218516-Does-Novo-have-a-Gusto-integration</loc>
  <lastmod>2024-09-28T23:53:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21381256836628-How-do-I-remove-my-personal-number-from-an-invoice</loc>
  <lastmod>2025-01-17T13:59:49Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21397502518292-Does-Novo-offer-Cashier-s-Checks</loc>
  <lastmod>2024-09-28T20:53:27Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21397909112852-Can-I-cancel-my-mobile-check-deposit</loc>
  <lastmod>2024-09-28T20:53:19Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21398228319124-Why-Am-I-receiving-a-Suspicious-login-attempt-detected-notification</loc>
  <lastmod>2026-05-14T00:17:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21398675174676-What-is-the-link-to-continue-with-my-application</loc>
  <lastmod>2025-01-17T14:04:28Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21401121414932-Can-I-endorse-my-check-with-a-stamp</loc>
  <lastmod>2024-09-28T20:52:59Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21401398115604-How-can-I-view-my-past-mailed-checks</loc>
  <lastmod>2024-09-28T20:52:48Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21401806129300-How-do-I-update-my-application-email</loc>
  <lastmod>2026-07-10T19:59:01Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21402079502612-How-do-I-initiate-an-ACH-Pull</loc>
  <lastmod>2026-08-05T16:51:45Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21402457035412-What-name-on-my-account-can-my-payments-be-made-out-to</loc>
  <lastmod>2026-06-11T12:51:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21402864178452-Can-I-add-my-DBA-during-the-application-process</loc>
  <lastmod>2025-01-17T14:04:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21403057269012-What-does-descriptive-withdrawal-mean</loc>
  <lastmod>2026-05-13T10:27:52Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21403126052372-What-is-an-EFT-payment</loc>
  <lastmod>2025-04-21T16:17:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21403326998420-What-happens-to-the-data-collected-during-the-application-process</loc>
  <lastmod>2025-01-17T14:04:25Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21407989541780-I-can-t-upload-my-ID-to-continue-with-the-application</loc>
  <lastmod>2026-08-03T22:37:45Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21409306568340-Does-Novo-charge-a-fee-for-incoming-transfers</loc>
  <lastmod>2024-09-28T20:51:27Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21411744762132-How-do-I-update-my-DBA</loc>
  <lastmod>2026-07-17T18:37:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21411965135764-DBA-for-the-state-of-Georgia</loc>
  <lastmod>2025-01-17T14:04:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21412846125076-Where-is-my-Cash-App-transfer</loc>
  <lastmod>2026-06-29T02:57:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21509125832212-Does-Novo-offer-phone-support-for-applicants</loc>
  <lastmod>2026-06-17T20:11:44Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21509397763220-Additional-user-having-trouble-with-application</loc>
  <lastmod>2026-03-05T12:16:34Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21509770855188-Can-you-Notarize-my-Document</loc>
  <lastmod>2024-11-06T20:35:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21595616434196-Does-Novo-integrate-with-Zelle</loc>
  <lastmod>2026-06-14T18:34:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/21597267894292-How-do-I-order-a-new-Novo-debit-card</loc>
  <lastmod>2026-07-16T20:02:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/24865443048724-Does-Novo-integrate-with-Etsy</loc>
  <lastmod>2024-09-28T23:53:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/26335908181780-What-is-a-card-transaction-dispute</loc>
  <lastmod>2025-12-08T14:26:52Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/26336298502548-Unauthorized-charge-dispute-vs-merchant-disputes</loc>
  <lastmod>2025-12-08T14:26:52Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/26338314397716-How-can-I-check-the-status-of-a-filed-dispute</loc>
  <lastmod>2025-12-08T14:27:36Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/26338521509780-How-long-does-the-dispute-resolution-process-take</loc>
  <lastmod>2026-05-15T13:51:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/26339823351188--Why-can-t-I-dispute-a-charge</loc>
  <lastmod>2026-07-14T17:47:49Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/26348869412116-Can-I-add-notes-to-a-transaction</loc>
  <lastmod>2026-03-05T12:24:10Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/26371124729236-Does-Novo-integrate-with-WooCommerce</loc>
  <lastmod>2024-09-28T23:53:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/26450334514836--I-received-a-message-asking-to-confirm-a-transaction</loc>
  <lastmod>2026-07-22T19:24:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/26841373142548-How-can-I-manage-my-daily-spending-limit</loc>
  <lastmod>2026-07-04T02:32:31Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/27297943616916-How-do-I-use-funds-from-my-Reserves</loc>
  <lastmod>2026-06-09T22:32:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/28557746275604-How-to-confirm-your-identity-with-a-photo-of-yourself-holding-your-ID</loc>
  <lastmod>2026-07-21T23:10:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/28558050696980-What-documents-do-I-need-to-update-my-business-information</loc>
  <lastmod>2026-06-06T08:18:42Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/28780815626900-Stripe-Error-This-Connect-account-cannot-currently-make-live-charges</loc>
  <lastmod>2024-10-02T15:31:31Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/29678141973396-Does-Novo-provide-a-Bank-Signature-Card</loc>
  <lastmod>2025-12-08T14:40:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/29853469939860-How-can-I-update-my-client-s-information-for-an-invoice</loc>
  <lastmod>2024-10-23T22:48:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30296495261204-What-is-Novo-Bookkeeping</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30296569556500-How-do-I-activate-Novo-Bookkeeping</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30296645791124-Is-Novo-Bookkeeping-free</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30296696531092-Can-I-turn-off-Novo-Bookkeeping</loc>
  <lastmod>2024-10-18T14:49:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30296754439444-How-does-auto-categorization-work</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30296918056212-Why-should-I-categorize-my-transactions</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30297130467092-What-is-a-rule</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30297158412948-Where-can-I-create-rules</loc>
  <lastmod>2026-05-29T16:37:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30297210881300-Can-I-edit-delete-rules</loc>
  <lastmod>2026-06-08T16:18:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30297492079892-Can-I-create-a-custom-category</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30297585363732-Can-I-edit-delete-custom-categories</loc>
  <lastmod>2026-05-27T20:04:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30297707373716-How-do-I-link-an-external-account-to-Novo-Bookkeeping</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30297787792404-How-many-accounts-can-I-link-to-Novo-Bookkeeping</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30321904158996-Do-pending-transactions-count-towards-my-expenses</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30321908051732-Can-I-exclude-a-transaction-from-Novo-Bookkeeping</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30322867080852-Can-I-unlink-external-accounts-from-Novo-Bookkeeping</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30322942149140-Can-I-export-my-transaction-data-from-Novo-Bookkeeping</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30323066937620-What-happens-to-my-Bookkeeping-data-if-I-close-my-Novo-account</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30323093231508-What-happens-if-my-external-account-disconnects-from-Novo-Bookkeeping</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30323155479700-Where-can-I-find-Novo-Bookkeeping</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30331958564500-Can-I-change-categories-for-a-transaction</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30364148588820-Why-do-I-see-different-numbers-for-my-payee-s-account-than-what-they-see</loc>
  <lastmod>2026-07-31T21:36:27Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30459151813140-How-can-I-see-Financial-Insights</loc>
  <lastmod>2024-09-26T14:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30518179789716-How-do-I-download-an-invoice-as-a-PDF</loc>
  <lastmod>2024-10-23T22:48:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30520878111252-How-to-view-your-billable-items-for-invoices-in-your-Item-Library-Web-app</loc>
  <lastmod>2024-10-23T22:48:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30633745064084-How-far-back-does-Novo-Bookkeeping-auto-categorize-transactions</loc>
  <lastmod>2024-10-02T16:46:01Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30728638196628-How-do-Financial-Insights-work</loc>
  <lastmod>2024-10-24T15:16:51Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30880718073108-Can-I-download-versions-of-my-Profit-and-Loss-and-Expense-Category-Reports</loc>
  <lastmod>2026-06-11T20:01:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30916378645140-How-can-I-record-Assets-or-Liabilities</loc>
  <lastmod>2024-10-02T19:35:34Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931523757844-What-is-a-UBO-What-information-is-required-while-adding-UBO-information</loc>
  <lastmod>2024-10-18T13:44:25Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931597850132-A-new-individual-now-owns-25-or-more-of-my-business-How-do-I-add-this-information-to-my-account</loc>
  <lastmod>2025-11-24T20:45:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931627311508-An-individual-that-previously-held-more-than-25-of-my-business-now-holds-less-than-25-How-do-I-remove-their-information-from-my-account</loc>
  <lastmod>2024-10-04T09:15:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931663457044-A-UBO-s-identifying-information-e-g-address-is-out-of-date-How-do-I-update-this-information</loc>
  <lastmod>2024-10-04T09:15:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931705529108-How-do-I-update-the-ownership-percentage-of-an-existing-UBO</loc>
  <lastmod>2024-10-04T09:15:31Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931736813332-What-happens-after-I-submit-a-request-to-add-or-edit-UBO-information</loc>
  <lastmod>2024-10-04T09:15:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931745594004-Can-UBOs-edit-their-own-information</loc>
  <lastmod>2024-10-04T09:15:28Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931790147348-Can-I-update-the-details-of-multiple-UBOs-at-once</loc>
  <lastmod>2024-10-04T09:15:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931792583316-How-can-I-view-the-current-UBO-information-associated-with-my-account</loc>
  <lastmod>2024-10-04T09:15:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931819923476-What-types-of-changes-can-I-make-to-a-UBO-s-information</loc>
  <lastmod>2024-10-09T15:35:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931850360596-What-happens-if-a-UBO-s-details-change-after-I-ve-submitted-a-request</loc>
  <lastmod>2024-10-04T09:15:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30931880547860-How-do-I-know-if-my-UBO-information-has-been-updated-successfully</loc>
  <lastmod>2024-10-04T09:15:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30932566836756-Can-I-add-a-UBO-that-I-have-removed-previously</loc>
  <lastmod>2024-10-04T09:15:31Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30932586457876-What-is-the-difference-between-removing-UBO-details-and-removing-an-additional-user-from-my-account</loc>
  <lastmod>2024-10-04T09:15:28Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30932611992468-How-long-does-it-take-to-get-my-business-s-UBO-details-updated</loc>
  <lastmod>2024-10-04T09:15:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/30932620379796-What-is-the-meaning-of-an-additional-user-on-my-account</loc>
  <lastmod>2024-10-04T09:15:28Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31136784014484-What-should-I-do-if-I-need-assistance-with-my-account-payroll-data-or-tax-filings-after-the-discontinuation-of-Novo-Payroll</loc>
  <lastmod>2024-11-06T20:35:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31136817393940-How-will-my-Q3-2024-taxes-be-handled-following-the-discontinuation-of-Novo-Payroll</loc>
  <lastmod>2024-11-06T20:35:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31171408394004-What-is-an-ACH</loc>
  <lastmod>2025-04-21T16:17:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31347627373844-Why-is-my-account-frozen</loc>
  <lastmod>2026-07-31T13:18:42Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31347721834516-How-do-I-send-money</loc>
  <lastmod>2026-06-24T18:33:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31347729171220-How-do-I-stop-a-check</loc>
  <lastmod>2024-10-18T10:42:00Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31347990414996-What-is-a-wire</loc>
  <lastmod>2026-07-20T16:51:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31348302407700-Why-is-my-check-rejected</loc>
  <lastmod>2026-06-30T15:28:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31349331850260-How-do-I-cancel-an-ACH-push</loc>
  <lastmod>2025-04-21T16:17:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31349513831316-How-do-I-stop-a-payment-that-I-have-already-authorized-and-sent</loc>
  <lastmod>2026-07-14T10:08:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31350433296916-Why-is-my-email-address-not-being-recognized</loc>
  <lastmod>2026-06-03T01:08:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31351518096404-Why-am-I-unable-to-log-in</loc>
  <lastmod>2026-08-02T12:47:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31352103248020-Why-is-my-statement-incorrect</loc>
  <lastmod>2024-11-06T20:35:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31353116713364-How-do-I-add-a-payee</loc>
  <lastmod>2026-07-19T20:20:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31353356317076-How-do-I-cancel-my-application</loc>
  <lastmod>2026-03-05T12:16:36Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31353472221460-How-do-I-remove-a-payee</loc>
  <lastmod>2026-07-03T07:46:34Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31354056704916-My-card-isn-t-working</loc>
  <lastmod>2025-12-08T14:26:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31363178455316-How-do-I-make-a-cash-deposit-into-my-Novo-account</loc>
  <lastmod>2026-07-15T16:01:04Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31462001373844-How-do-I-cancel-a-scheduled-invoice</loc>
  <lastmod>2024-10-23T22:48:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31500363741204-How-do-I-edit-a-scheduled-invoice</loc>
  <lastmod>2024-10-23T22:48:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31500543781140-How-do-I-delete-a-draft-invoice</loc>
  <lastmod>2024-10-23T22:48:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31506571262228-How-to-send-Automatic-Invoice-Reminders</loc>
  <lastmod>2024-10-23T22:48:55Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31536511975700-Novo-Business-Credit-Card</loc>
  <lastmod>2026-08-03T04:30:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31636726926612-How-long-does-it-take-to-update-my-account-and-business-information</loc>
  <lastmod>2025-12-08T14:30:59Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31636768259604-How-long-does-it-take-to-review-my-Credit-Card-application-once-it-is-submitted</loc>
  <lastmod>2026-04-21T11:57:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31636841983636-What-do-I-need-for-my-Novo-Business-Credit-Card-application</loc>
  <lastmod>2026-07-24T17:54:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31637080123540-What-s-the-status-of-my-credit-card-application</loc>
  <lastmod>2026-06-12T02:00:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31639098889620-How-can-I-return-to-an-unfinished-application-that-I-started-and-saved-for-later</loc>
  <lastmod>2026-06-03T15:43:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31639197619092-When-will-I-receive-my-credit-card</loc>
  <lastmod>2026-07-22T13:44:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640245739156-How-do-I-manage-my-Novo-Business-Credit-Card</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640426990356-Is-it-possible-to-increase-my-credit-limit-on-my-credit-card</loc>
  <lastmod>2026-08-02T15:55:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640452754452-How-do-I-request-my-credit-card-PIN</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640534174484-How-do-I-activate-my-physical-credit-card</loc>
  <lastmod>2026-06-19T22:09:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640540891540-How-do-I-request-a-replacement-credit-card</loc>
  <lastmod>2026-08-01T04:44:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640608254228-How-do-I-activate-my-virtual-credit-card</loc>
  <lastmod>2026-06-13T18:34:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640677034260-What-do-I-do-if-my-credit-card-expires</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640720822420-Can-I-request-a-balance-transfer</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640783284372-Can-I-add-my-Virtual-Credit-Card-to-my-mobile-wallet</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640823976084-What-is-a-virtual-credit-card</loc>
  <lastmod>2026-07-14T14:45:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31640912843284-Why-was-my-credit-card-declined-or-frozen</loc>
  <lastmod>2026-07-30T19:34:28Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31641015150996-How-do-I-freeze-or-unfreeze-my-credit-card</loc>
  <lastmod>2026-07-21T16:12:27Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31641353568788-What-s-the-Prime-Rate</loc>
  <lastmod>2026-05-28T19:46:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31641412958868-What-s-the-annual-percentage-rate-APR</loc>
  <lastmod>2026-07-03T09:52:51Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31641885874452-What-is-the-late-fee</loc>
  <lastmod>2026-06-16T14:35:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31641956426260-What-is-the-interest-rate-for-your-credit-card</loc>
  <lastmod>2026-07-08T16:32:46Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31641978574228-Do-you-offer-cash-advances</loc>
  <lastmod>2026-07-08T16:48:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642001167764-What-fees-are-associated-with-my-credit-card</loc>
  <lastmod>2026-07-25T13:59:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642024440596-How-can-I-avoid-paying-interest-on-my-credit-card-balance-and-purchases</loc>
  <lastmod>2026-07-08T16:48:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642159743380-How-do-cash-back-rewards-work</loc>
  <lastmod>2026-07-03T18:32:21Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642224373012-How-do-I-redeem-my-rewards</loc>
  <lastmod>2025-12-08T14:30:12Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642243426324-Can-I-apply-earned-rewards-toward-credit-card-payments</loc>
  <lastmod>2025-12-08T14:30:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642284197140-Do-cash-back-rewards-expire</loc>
  <lastmod>2025-12-08T14:30:12Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642288918164-Are-rewards-available-for-both-physical-and-virtual-credit-cards</loc>
  <lastmod>2025-12-08T14:30:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642356406932-How-do-I-submit-a-credit-card-dispute</loc>
  <lastmod>2025-12-08T14:30:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642395682580-How-do-I-check-the-status-of-my-credit-card-dispute</loc>
  <lastmod>2025-12-08T14:30:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642429918740-Resolving-a-Problem-With-a-Credit-Card-Charge</loc>
  <lastmod>2026-08-06T13:24:52Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642598524948-Understanding-the-Credit-Card-Merchant-Dispute-Proces</loc>
  <lastmod>2026-06-05T02:02:00Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642751435284-Understanding-the-Credit-Card-Fraud-Dispute-Process</loc>
  <lastmod>2025-12-08T14:30:31Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642938612500-What-if-my-card-is-lost-or-stolen</loc>
  <lastmod>2025-12-08T14:30:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31642958441876-Can-I-set-up-online-alerts-or-notifications-related-to-my-credit-card</loc>
  <lastmod>2025-12-08T14:30:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31643013041940-What-s-a-CVV</loc>
  <lastmod>2025-12-08T14:30:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31643088966676-Can-additional-users-view-my-credit-card-details</loc>
  <lastmod>2026-07-19T11:43:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31643092689300-Why-should-I-get-a-Novo-Credit-Card</loc>
  <lastmod>2025-12-08T14:30:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31646854539156-How-can-I-make-a-payment</loc>
  <lastmod>2026-06-12T13:54:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647026137492-When-will-my-payment-be-withdrawn-from-my-account</loc>
  <lastmod>2025-12-08T14:30:16Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647107694612-How-can-I-check-my-credit-card-account-balance</loc>
  <lastmod>2026-06-10T17:39:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647112982804-How-can-I-get-a-copy-of-my-credit-card-statement</loc>
  <lastmod>2025-12-08T14:30:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647130907796-How-do-I-set-up-automatic-payments</loc>
  <lastmod>2025-12-08T14:30:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647189332756-What-is-a-credit-report-and-how-can-I-obtain-a-copy</loc>
  <lastmod>2026-06-17T21:13:03Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647295115028-How-do-Novo-and-credit-reporting-agencies-determine-what-information-is-on-my-credit-report</loc>
  <lastmod>2026-06-21T06:29:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647337833492-How-long-does-my-credit-information-stay-on-my-credit-report</loc>
  <lastmod>2025-12-08T14:30:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647370692116-Can-I-get-a-late-credit-card-payment-removed-from-my-credit-report</loc>
  <lastmod>2025-12-08T14:30:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647515924628-How-can-I-dispute-information-on-my-credit-report-if-I-believe-it-s-inaccurate-or-incomplete</loc>
  <lastmod>2026-01-29T16:46:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647632769044-Can-accurate-information-be-removed-from-my-credit-report-by-filing-a-dispute</loc>
  <lastmod>2025-12-08T14:30:17Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/31647757254548-Understanding-pending-credit-card-transactions</loc>
  <lastmod>2026-06-19T10:51:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/32113852622356-Can-Novo-s-credit-card-help-me-build-my-business-credit</loc>
  <lastmod>2026-08-07T10:27:16Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/32113944218516-Is-this-a-personal-or-business-credit-card</loc>
  <lastmod>2026-08-07T18:45:38Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/32265905389588-Why-are-certain-businesses-restricted-from-using-Novo-s-services</loc>
  <lastmod>2026-08-04T12:26:36Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/33475166983188-What-is-the-minimum-age-required-to-open-an-account</loc>
  <lastmod>2026-03-05T12:16:34Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/33850341242260-What-is-the-Mastercard-Easy-Savings-program-and-how-does-it-work</loc>
  <lastmod>2025-12-08T14:30:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/33851238313748-Does-the-Novo-debit-card-participate-in-the-Mastercard-Easy-Savings-program</loc>
  <lastmod>2025-12-08T14:26:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/34087355751316-Can-I-connect-my-Physical-Card-to-Apple-Samsung-and-Google-Pay</loc>
  <lastmod>2026-08-01T20:00:03Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/34087759101972-Can-I-add-my-Physical-Credit-Card-to-my-mobile-wallet</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/34294473439892-Can-I-receive-wires-in-foreign-currency</loc>
  <lastmod>2026-06-27T14:51:25Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/34298406670356-What-characters-can-I-use-in-my-credit-card-name</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/34565958894228-Does-Novo-use-Chex-systems</loc>
  <lastmod>2026-03-05T12:24:01Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35103265299220-What-is-accessibility-and-what-accessibility-features-does-Novo-offer</loc>
  <lastmod>2026-03-05T12:24:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35103945282964-How-Can-I-Submit-Feedback-or-Accessibility-Requests</loc>
  <lastmod>2026-03-05T12:24:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35104016131092-What-Accessibility-Features-Are-Available-on-My-Device</loc>
  <lastmod>2026-02-09T15:03:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35104141009300-How-can-I-access-general-mobile-accessibility-settings</loc>
  <lastmod>2026-06-18T19:01:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35105168335252-How-can-I-adjust-the-text-size-on-the-website</loc>
  <lastmod>2026-03-05T12:24:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35105410183188-How-do-I-enable-high-contrast-mode</loc>
  <lastmod>2026-03-05T12:24:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35105951219604-Are-there-specific-browser-extensions-or-third-party-tools-recommended-for-a-better-experience-with-Novo</loc>
  <lastmod>2025-03-26T18:30:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35310983267732-How-do-I-send-a-domestic-wire-transfer-from-my-Novo-account</loc>
  <lastmod>2026-06-12T19:30:49Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35311022899348-How-much-does-it-cost-to-send-a-domestic-wire</loc>
  <lastmod>2026-06-09T16:09:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35311155440532-Why-can-t-I-send-a-domestic-wire-transfer-after-logging-in-from-a-new-device</loc>
  <lastmod>2026-06-04T17:31:17Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35311247771668-Are-there-limits-on-domestic-wire-transfers</loc>
  <lastmod>2026-07-23T16:53:28Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35311297528084-Can-I-cancel-a-domestic-wire-transfer</loc>
  <lastmod>2025-03-03T22:13:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/35822399457044-How-do-I-change-invoice-payment-settings</loc>
  <lastmod>2025-03-20T16:06:28Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/36158761549588-What-is-the-cut-off-time-for-domestic-wire-transfers</loc>
  <lastmod>2026-07-04T19:00:59Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/36726920498964-How-can-I-edit-delete-a-Reserve</loc>
  <lastmod>2025-04-18T18:07:56Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/36784407199636-How-do-I-send-an-ACH-Push-from-my-Novo-account</loc>
  <lastmod>2025-04-21T16:17:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/38171473874196-How-do-I-update-my-address-on-my-account</loc>
  <lastmod>2026-07-21T22:15:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/41323703374100-Why-didn-t-my-new-draw-change-my-transfer-date</loc>
  <lastmod>2025-09-18T16:20:48Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/43935936516116-Can-I-pay-my-credit-card-balance-using-an-external-account</loc>
  <lastmod>2026-07-30T00:09:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/43936398542868-Can-I-cancel-my-credit-card-payment</loc>
  <lastmod>2025-12-08T14:30:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/43936482179604-How-long-does-it-take-for-a-credit-card-payment-to-go-through</loc>
  <lastmod>2026-05-15T20:57:20Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/43936561803924-When-will-my-available-credit-update-after-I-make-a-payment</loc>
  <lastmod>2025-12-08T14:30:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/44212593895060-My-Novo-checking-account-is-closed-Can-I-still-make-a-credit-card-payment</loc>
  <lastmod>2025-12-10T17:12:52Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/44793121855124-How-do-I-activate-my-virtual-debit-card</loc>
  <lastmod>2026-07-09T20:45:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/44995607216276-Before-You-Apply</loc>
  <lastmod>2026-08-10T05:34:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/44998308253844-Documents-Login-Help</loc>
  <lastmod>2026-07-31T22:41:06Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/44998335886740-Rewards-Referrals</loc>
  <lastmod>2026-06-12T18:07:13Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/44998340761620-Application-Follow-Up</loc>
  <lastmod>2026-05-29T15:06:15Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/44998340906004-Finding-Your-Way-Around-Your-Novo-Account</loc>
  <lastmod>2026-08-02T13:50:45Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/45011571776916-About-Novo</loc>
  <lastmod>2026-07-18T01:12:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/46052721945108-How-do-I-close-my-credit-card-account</loc>
  <lastmod>2026-05-21T15:15:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/46053015510164-Why-can-t-I-close-my-credit-card-account</loc>
  <lastmod>2026-05-16T04:56:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/46053106410516-Will-I-receive-a-final-statement-after-I-close-my-credit-card-account</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/46053130066196-Can-I-close-my-credit-card-account-if-I-still-have-a-balance</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/46222748019988-Can-I-cancel-my-request-to-close-my-credit-card-account</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49198789676692-Why-am-I-unable-to-proceed-with-my-account-closure</loc>
  <lastmod>2026-06-19T19:56:09Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49208565771284-How-do-I-make-a-manual-payment</loc>
  <lastmod>2026-05-13T18:37:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49208753789332-How-do-I-set-up-automatic-payments</loc>
  <lastmod>2026-06-06T19:07:46Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49208831802260-How-do-I-access-my-Collections-Payment-Plan</loc>
  <lastmod>2026-05-13T18:37:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49208902049556-Can-I-change-the-date-or-amount-of-my-scheduled-payment-online</loc>
  <lastmod>2026-05-13T18:37:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49208984120084-Can-I-set-up-automatic-payments-if-I-live-in-Texas</loc>
  <lastmod>2026-05-13T18:37:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49209059778580-How-do-I-edit-my-automatic-payment-schedule</loc>
  <lastmod>2026-05-13T18:37:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49209106326036-Can-I-pay-off-my-entire-collections-balance-early</loc>
  <lastmod>2026-05-13T18:37:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49212666026004-What-happens-if-I-miss-a-scheduled-payment</loc>
  <lastmod>2026-05-13T18:37:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49212829875988-What-information-can-I-see-in-my-Payment-Portal</loc>
  <lastmod>2026-05-13T18:37:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49213005314196-Can-I-choose-which-bank-account-my-payment-comes-from</loc>
  <lastmod>2026-05-13T18:37:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/49213606941588-Will-I-receive-email-notifications-about-my-payment-plan</loc>
  <lastmod>2026-05-20T20:20:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/articles/50204577761556-Business-Credit-Card</loc>
  <lastmod>2026-08-06T15:08:22Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360003484311-Getting-Started-with-Your-Novo-Account</loc>
  <lastmod>2026-04-10T17:13:31Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360003484851-Application-FAQs</loc>
  <lastmod>2026-03-05T12:24:02Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360003511132-About-Novo</loc>
  <lastmod>2026-03-05T12:25:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360003511152-Privacy-and-Legal</loc>
  <lastmod>2025-01-17T14:01:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360004092711-Wise-formerly-TransferWise</loc>
  <lastmod>2025-01-17T14:12:58Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360004546052-Xero</loc>
  <lastmod>2025-01-17T14:15:10Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360006491972-QuickBooks</loc>
  <lastmod>2025-01-17T13:59:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360008575231-Stripe</loc>
  <lastmod>2025-01-17T14:15:03Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360011246831-Shopify</loc>
  <lastmod>2025-01-17T14:09:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360011757532-Reserves</loc>
  <lastmod>2026-06-11T21:49:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360011876731-Invoices</loc>
  <lastmod>2026-06-11T21:49:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360012003211-Square</loc>
  <lastmod>2025-01-17T14:14:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/360013161871-Account-Security</loc>
  <lastmod>2025-01-17T14:14:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/4407629745300-Virtual-Card</loc>
  <lastmod>2025-12-29T21:45:12Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/4485135317780-Novo-Boost</loc>
  <lastmod>2025-01-17T14:12:49Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/6177441326868-Express-ACH</loc>
  <lastmod>2025-01-17T14:12:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/10173804816788-Novo-Funding</loc>
  <lastmod>2026-06-11T21:49:41Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/13527787940372-Perks</loc>
  <lastmod>2026-06-11T21:49:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/20712344197652-Debit-Cards</loc>
  <lastmod>2026-02-10T16:11:52Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/26258950018580-Card-Declines</loc>
  <lastmod>2025-12-08T14:26:59Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/26259400631316-Card-Disputes</loc>
  <lastmod>2025-12-08T14:27:36Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/26259404911764-Physical-Card</loc>
  <lastmod>2026-08-10T17:54:47Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30296315556756-Bookkeeping</loc>
  <lastmod>2026-06-11T21:49:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30738048479380-Credit-Cards</loc>
  <lastmod>2026-04-21T11:57:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30738322762772-Applications</loc>
  <lastmod>2026-04-21T11:57:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793777757332-Send-Money</loc>
  <lastmod>2025-11-17T22:18:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793787213716-Basics</loc>
  <lastmod>2025-09-09T21:27:26Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793793671444-Wires-ACH-Transfers</loc>
  <lastmod>2025-11-17T22:18:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793859963668-Checks</loc>
  <lastmod>2025-01-17T14:10:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793874113940-Add-Money</loc>
  <lastmod>2026-04-21T15:55:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793880885012-Basics</loc>
  <lastmod>2025-01-17T14:03:24Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793881568660-Wires-ACH-Transfers</loc>
  <lastmod>2026-04-21T15:55:07Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793921090324-Checks</loc>
  <lastmod>2025-08-28T11:28:30Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793934762644-Payment-Processors</loc>
  <lastmod>2025-01-17T14:15:03Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793941516180-Updating-Your-Account-Info</loc>
  <lastmod>2025-07-14T14:41:37Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793942924052-Novo-Account-Management</loc>
  <lastmod>2026-05-14T12:43:50Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793971274516-Account-Status-and-Log-In-Trouble</loc>
  <lastmod>2026-05-14T12:43:50Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793988883092-Cards</loc>
  <lastmod>2026-04-21T11:57:43Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30793997915668-Managing-Your-Business</loc>
  <lastmod>2026-06-11T22:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30794008439060-Integrations</loc>
  <lastmod>2026-06-11T21:49:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30794010204820-Statements-Bank-Letters-and-Documents</loc>
  <lastmod>2026-06-11T21:49:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30794086042132-Keeping-Your-Account-Safe</loc>
  <lastmod>2025-01-17T14:14:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30794098623636-Missing-Money</loc>
  <lastmod>2024-09-28T21:24:18Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30794299414036-Referrals</loc>
  <lastmod>2026-03-04T18:13:21Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30794605759252-Cards-and-P2P</loc>
  <lastmod>2025-12-08T14:38:04Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30800422138132-Fees</loc>
  <lastmod>2026-03-04T18:13:21Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30800604808852-Find-Your-Way-Around-Your-Novo-Account</loc>
  <lastmod>2026-03-05T12:24:11Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30800707067668-Account-Type-Eligibility-and-Requirements</loc>
  <lastmod>2026-04-10T16:52:14Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/30803844260244-Additional-Users-Ultimate-Beneficial-Owners-UBOs</loc>
  <lastmod>2025-11-24T20:45:23Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/31639479201300-Credit-Card-Management</loc>
  <lastmod>2026-02-25T17:25:57Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/31639535753108-Interest-Rates-Fees</loc>
  <lastmod>2025-12-08T14:30:35Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/31639584121748-Rewards</loc>
  <lastmod>2025-12-08T14:30:33Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/31639607678740-Disputing-a-Charge</loc>
  <lastmod>2025-12-08T14:30:32Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/31639613923220-Payments-Statements</loc>
  <lastmod>2026-01-29T16:46:54Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/31639668540180-Security-Features</loc>
  <lastmod>2026-01-13T14:58:46Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/33851017227412-Rewards</loc>
  <lastmod>2025-12-08T14:26:53Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/35103145137044-Accessibility</loc>
  <lastmod>2026-03-05T12:24:08Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/35310702993684-Domestic-Wires</loc>
  <lastmod>2025-11-17T22:18:39Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/44958218279956-Application-Info</loc>
  <lastmod>2026-04-10T17:13:31Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/49208329431828-Collections-Payment-Portal</loc>
  <lastmod>2026-06-11T21:49:29Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/sections/50203996187156-Additional-Funding</loc>
  <lastmod>2026-06-11T22:05:40Z</lastmod>
</url>
<url>
  <loc>https://novo.zendesk.com/hc/en-us/categories/360001427572-FAQs</loc>
  <lastmod>2026-08-10T17:54:47Z</lastmod>
</url>
</urlset>
