Sonority is a cloud-based voice-over and music-track synthesizer app that lets you create audio-tracks for your videos or podcast.
No other text-to-speech and music-track apps even comes close to what Sonority does. The voice-overs created are far superior and human-sounding than what Amazon Polly or Wavenet can produce.
PLUS as a user, you do not need to add any API key or pay extra for credits.
Sonority let’s you pick from over 15 different voice-over articles, copy-paste your text and convert it into human-like voice in just a click.
Sonority also lets you pick from 1000+ A.I. created music or gives you the ability to create unique music-tracks for your videos using A.I. on complete autopilot, without being a musician or artist. Simply pick the type of music you like from 15 different categories and the A.I. will automatically create it for you.
Finally, you can use Sonority to mix and merge multiple different audio files (voice-overs and music both) into an audio-track for your videos, podcast, courses and more.
Novo Bank Review – An Honest Novo Review | Overview
Welcome to this Novo Bank Review. In this Novo Review, I’ll take you through the ins-and-outs of Novo so you see if it’s the right choice for you.
Novo is an online bank or NEO bank that has carved itself into the niche market to provide amazing internet banking services to entrepreneurs and small online business owners. It has quickly become extremely popular amongst these types of individuals as can be paid directly from most online sources to Novo, including YouTube and Affiliate networks.
Novo Bank Review – An Honest Novo Review | Features
There are a wide range of features that make Novo a great online banking option.
Novo has been compared to Azlo bank due to having similar features and perks. Now while Azlo used to be considered slightly better, recently 2 things have happened.
Novo has stepped their game up a lot more to be the better service
Alzo has gone completely out of business=
So if you had an Azlo account previously and you’re left without a bank, Novo might be the best logical choice you’ve been searching for.
History and Financial Backing
Novo established in 2016 and is considered a Neo bank, which is essentially a tech company with a partnership with a real bank on the backend, similar to Chime Bank.
In Novo’s case it is partnered with Middlesex Savings bank, which has been around for roughly 130 years.
What this partnership means is that users of Novo get FDIC insurance, which is $250,000. The same you’d get when joining any regular bank.
Made for Entrepreneurs / Small Online Businesses
Novo has tried to carve out a niche market of providing banking services to small businesses specifically. That means anyone from small LLCs, freelancers, to sole proprietors.
Fees (or lack there of)
You can open a business account with a minimum of $50, and there are no low balanc, monthly fees, transaction fees, or ATM fees! (I know, wow!)
The only fees you will pay using Novo are for insufficient funds and uncollected funds returned which is a $27 charge
Also note, there is no interest in your account, but with yearly APY averaging about 0.2-0.5% – you’re not going to be making any interesting anyway considering how inflation is looking.
I don’t mind this so much as since there are zero fees with everything else to do with Novo, if you’re responsible with your money, you won’t run into these charges anyway.
Also, the ZERO ATM fees are applicable to any ATM, anywhere in the world, but comes with a small with a caveat. It works like a cash-back system. So, you are charged ATM fees initially, but these fees are refunded to you in full at the end of each month.
So, free, at the end of the day … or month.
Core Product and Interface
The core Novo product is a business bank account and debit card. The interface is slick, intuitive, free or bugs, and it only takes a few minutes to sign up.
It’s extremely easy to check balances, deposit and transfer money, and everything else you’d expect in a banking app.
Novo also Integrates with a bunch of common freelancer or small business tools like,
For those of you using stripe, you can connect stripe directly to your Novo account and transfer between each. They’re currently working on making these transfers instantaneous.
Stripe will also give you $20,000 Free in credit card processing.
There are perks included in a bunch of other integrations as well, such as free credits, discounts, and extended free trails, so check out their perks page every once in a while to see which ones could benefit you.
Novo Reserves or Sub Accounts
For those of you who like sub accounts to separate your money for income and tax purposes, Novo offers what is called a Novo Reserve, which act in the same way. Currently you can only create one reserve account, but more will be available soon.
The invoicing feature is something special and similar to PayPal. You can send invoices directly to clients, track them, and also accept invoice payments via Credit Card, Debit card, Stripe, and Square is coming soon.
Fingers crossed for PayPay and maybe even Crypto.
Novo Bank Review – An Honest Novo Review | Are there any Downsides?
A downside to a bank like Novo is that it isn’t a physical bank, so deposits aren’t as easy. If you do find yourself needing to make a lot of cash deposits, i’d recommended having another bank that you can transfer from into your Novo account
The trade off with it not being a physical bank is getting all the other amazing features I’ve mentioned.
Novo Bank Review – An Honest Novo Review | Conclusion
To wrap up Novo is going to satisfy any small businesses owners and aspiring entrepreneurs out there.
It’s an intuitive business account with reserve accounts, ZERO ATM fees, and some excellent integrations with common small business software, as well as providing attractive perks with each one.
To check out Novo on your own, click the button in the description which I keep updated with Special deals regularly. So if there are any, clicking the button will ensure you get them!
Thanks for checking out this Novo Bank Review. Hope it helps!
Welcome to this Chime Review, were I will answer any and all questions you might have relating to Chime bank
Late in 2013, two entrepreneurs Chris Britt (CEO) and Ryan King (CTO) came together and founded Chime. Chime is part of a wave called NEO banks, which are basically bank, which are setup completely online.
While this doesn’t technically make Chime a bank in the traditional sense, NEO Banks do need an underlying banking connection in order to legitimize them. In the case of Chime, they are connected to Bancorp Bank and Stride Bank. So think of Chime as a frontend and Bancorp and Stride as the bank end.
This should be viewed as a positive because these big banks are able to offer you up to $250,000 FDIC insurance, which Chime users are automatically privy to as well.
Chime Review: Honest Chime Bank Review | Features
GROWING USER BASE
Chime bank boasts an assortment of features many of which are unique to them and can’t be found anywhere else.
Currently there are about 8 million users who have chosen Chime as their choice of bank, a number which is constantly growing.
INTUITIVE ACCOUNT SETUP
Chime offers 3 separate accounts that facilitate users with their budgeting and saving, which is a really cool feature.
The multiple account setup in Chime is really one of the highlights for me. First, you get a Spending Account, which is essentially a zero fee checking account.
On top of that, you can get a Savings Account, which gives you a 0.5% APY (annual percentage yield), which is actually a staggering 10x the national average which is only 0.05% APY.
The 3rd account is the Credit Builder, which works in the same way a secure credit card does as it allows you to build up your credit.
The credit builder works by transferring money from your spender account to your card, similar to a prepaid debit card. When you make purchases, it gets signed off at the credit bureau as “Paid in Full.” This is all processed with 0% interest and no credit check required.
In short, the spending account is your main account with the savings, and credit builder being optional additions.
Currently there are 38,000 ATMS nationwide where you can use your chime card with ZERO fees. Also note, there are no cash reimbursements for transactions made outside of these ATM networks and at other ATM’s there is also a transaction fee or $2.50
THE SPENDING ACCOUNT
As a new user, this is your first basic account. Chime was one of the first banks to offer ZEROfees for:
Low Bank Balances
THE “SPOT ME” FEATURE
The spot me feature allows you to withdraw a $100 overdraft with NO fees attached. Think of it as chime giving you an I.O.U, which after you pay back, you’re good to keep using the service.
The requirements for the spot me feature is that you have an automatic monthly deposit setup of at least $500 per month. So if youR pay check is automatically going into your chime account, you should be good to go.
Another great feature is that from this direct deposit feature, Chime can front your paycheck up to 2 days early. This is a great addition for those expensive months, especially during this time.
SPENDER AND SAVINGS ACCOUNT INTEGRATION
The Spender and Savings Account integration is another favorite feature of mine, and is great for those of you who don’t want to think a lot about saving but still want to save in an autonomous way where they don’t have to worry about it.
The way the Spender and Savings Account integration works is every time you make a purchase on your debit card, it will round your purchase up to the nearest dollar and despit the difference into your Savings account.
So, if you buy something for $49.50, the card will treat it like a $50 payment, and deposit the remaining 50 cents into your savings account. This is a neat feature and you’d be surprised at how quickly your savings account can really add up over time.
Another automated savings feature is the “Save when I get paid” feature, which automatically allocates 10% of every paycheck into your savings account.
All of these deposits start earning interest immediately at the rate of 0.5% APY I mentioned earlier.
Chime is available on Web Browser, iPhone, and Android and has an intuitive interface on all 3 platforms, which makes tracking your accounts extremely easy.
It also makes it super easy to transfer money within Chime as it works similar to Venmo. Provided the other party has a chime account, you can send money instantly from your account to theirs.
Chime Review: Honest Chime Bank Review | Downsides
When it comes to using a NEO or Online Banking service, there are a few downsides that can be expected, but also some viable work-arounds to mitigate any hassle.
Like with any NEO or Online Bank, it can often be an issue when it comes to depositing cash as there is nowhere to physically make those deposits.
Possible work-arounds to this are to setup another bank account that you can transfer from to your chime account. Alternatively, you can use a green dot card, which are readily available in the U.S, although there will be fees attached to this method.
Customer Support has received mixed reviews with a some comments out there relating to customer support waiting times. Various users have made complaints of these being a bit too long at times. However, it seems as though recently this may be being addressed by Chime. Firstly, with the introduction of Chime Bot within the app, which allows users to have common questions answered quickly.
Some users have also complained about having their accounts frozen when security picks up on what it deems to be a fraudulent charge. This could be looked at positively or negatively. While it can be a hassle to have your card frozen for what isn’t actually a fraudulent charge, it is good to know that If there is an actual fraudulent charge made to the account, there is a system in place that stops you losing your money.
This is also something that thankfully isn’t something that commonly occurs.
Chime Review: Honest Chime Bank Review | In Conclusion
Personally, I’m a big fan of chime, especially when it comes to their unique features that promote autonomous savings.
Their focus on having customers automate their savings, as well as helping you save by offering you a Zero Fee spender account, is something anybody can appreciate.
Most people, including myself could do a lot better when it comes to managing savings and not dipping into them when we don’t really need to. As I said before, your savings account over time can will all of those spare-change payments going into it, over time can garner a decent chunk of change.
Also, despite there being concerns with support wait times, most customers are yet to have to actually use it now that ChimeBot has the answers to most questions on hand and is regularly updated
The Chime experience overall seems to be one that is stable, secure, and free of bugs and issues that require the need for much person to person support.
A GIFT FROM CHIME FOR MY READERS
If you’re reading this and thinking of signing up to Chime, they are currently giving away a FREE $75 sign up bonus when you click the button below.
So, if you do want to check it out, ensure you click the button below, which will lock-in the Giveaway before sending you to the Official Chime Bank Sign-up Page.