Novo
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As a digital financial institution
As a digital financial institution, Novo has met the expectations I had. I specifically chose Novo for its reserves feature and so far I have not been disappointed. I had no illusions about its limitations, and as such have a physical bank locally. Their support was responsive and helpful when I needed it, so no complaints there. The only hiccup I had was when I tried to send a cheque to one of my vendors, it never got there, and there is no option to cancel or void it.