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Novo - Small Business Checking: what 40 low-star reviews complain about

We read 40 one-to-three-star reviews written between 2025-09-07 and 2026-08-14 and kept the ones that describe a specific unmet need. Grouped with reviews of other apps that say the same thing, they land in 5 repeated complaints. Store listing.

What reviewers complain about

• Zero way to contact a real human on the phone at any time
• Week-long check clearing delays
• Vulnerability to hacking
• Virtual card only works with apple pay not universal merchants
• Vague investigation claims without transparency
• Unmasked display of payee account numbers and ssns
• Unhelpful customer support
• Suspected false advertising about serving small businesses
• Support denies transactions occurred
• Slow physical card replacement delivery

The opportunities these reviews point to

1. 0158Transparent business banking without arbitrary account freezes3 of 4
2. 0251Locked — subscribe to read this opportunity2 of 2
3. 0352Locked — subscribe to read this opportunity1 of 2
4. 0448Locked — subscribe to read this opportunity1 of 2
5. 0540Locked — subscribe to read this opportunity1 of 2

Score out of 100, then how many of the cluster's reviews are about this app out of its total. Category: Small business finance.