Skip to content

Smart banking for
indi-pendent workers.

Whether you’re a freelancer, an independent contractor, or working a side gig, the indi app and debit card are designed for you.1 Bank on the go, save for taxes, and track expenses — all in one app.2

Earn cash back with indi Rewards.

View thousands of local and national offers.
Explore and activate offers near you all within the indi mobile banking app.3

Make a qualified purchase.
Follow the offer instructions and make a purchase with your indi debit card.

Get cash back in your indi account.
There’s nothing else for you to do! Enjoy the money back!

Taxes, simplified.

Be better prepared come tax time.
Income taxes are not automatically withheld for most 1099 workers. indi is here to help you be better prepared come tax time.

Keep everything in one account.
indi is a single FDIC-insured account that lets you visualize your balance as two categories: OK to Spend and Tax Savings.4

Use smart tools to manage your finances.
The money reflected in Tax Savings is available any time. If you dip in, indi will alert you and increase the percentage that you designate moving forward.

How it works.

Get a personalized Tax Savings Goal.
Tell us about your income, and we’ll calculate an estimated amount you should save to cover your federal and state taxes.4

Save as you get paid.
Set up direct deposit to start funding your indi account. As you get paid, indi can designate a percent of each deposit to Tax Savings.

Stay organized on the go.
Make purchases with your indi debit card and categorize deductible expenses in real time.5 Capture receipts right in the app.

Features

indi Debit card

Use the indi debit card for purchases — work or personal. Categorize purchases on the go.

autosave for taxes

Set up indi to designate a percentage of each deposit to reach a customized Tax Savings Goal.

EARLY PAY

Get paid up to 2 days sooner with eligible direct deposits to indi accounts.

NO MONTHLY FEES

Enjoy no signup fee, no monthly service fee, no minimum balance requirement, and no overdraft fees.

indi rewards

Earn cash back at your favorite restaurants and retailers when you use your indi debit card.6

FEE-FREE TRANSFERS

Receive funds from an external bank account or via PayPal, Venmo, Google Pay, Apple Pay, etc.7

Why our users love indi.

Bank with confidence.

FDIC-insured

All indi accounts and services are FDIC-insured up to the maximum amount permitted by law.

Supported by PNC Bank

With an indi account you can access your money fee-free at 60,000+ ATMs as listed on the PNC ATM locator.8

Frequently asked questions:

How much does indi cost?

indi has no signup fee, no monthly service fee, no minimum balance requirement, and no overdraft fees. You can set up direct deposit, make purchases within the U.S., and use ATMs in the PNC network to withdraw cash without fees. We do charge for a few things; you can read about them here.

Why should I save for taxes?

Being your own boss comes with a lot of perks. But preparing for taxes isn’t one of them. Income taxes are not automatically withheld for most 1099 workers. indi is here to help you create a Tax Savings Goal and save toward this goal bit by bit over the course of the year. This way, you’re not scrambling come April.

What happens if I spend my Tax Savings?

Your money is kept in a single FDIC-insured account, but you can visualize your balance as two categories: Okay to Spend and Tax Savings. Transactions deduct from Okay to Spend first. If transactions add up to more than you have in Okay to Spend, then indi will dip into Tax Savings for the difference. When this happens, we’ll adjust your percent per pay to help you get your Tax Savings back on track. Just be mindful. Using Tax Savings funds for other spending may leave too little money to pay your taxes.

Is my Tax Savings Goal the amount that I will owe for taxes?

No. indi is here to help, but we are not professional tax advisors. indi calculates your Tax Savings Goal using your expected annual income and deductions, as well as your filing status. This goal is an estimate based on income that you’ve categorized as 1099 income. It does not reflect the final amount that you’ll owe for federal and state taxes or taxes paid or due on W2 income, and it does not account for local taxes. If you earn more than expected over the course of the year, indi will prompt you to recalculate your goal. Likewise, as you spend, indi will provide smart tips and adjustments.

What type of account is indi?

indi is an FDIC-insured account with a prepaid debit card and mobile app. It’s a digital banking product (no branches, no checks) designed for independent workers who want to manage their finances on the go. Use indi for all your purchases and income—work and personal. Or, use it to match your lifestyle. Want to use indi alongside your existing bank account(s)? You got it. Take advantage of indi’s fee-free transfers to move money between accounts. We’re flexible so that you can be too.

How do I get started?

To get started you’ll need 3 items — your mobile phone, your Social Security number, and your ID. When you’re ready, click here to begin your application. Once approved, create your Tax Savings Goal, add some money to your account, and start using your temporary digital card right away.9 You’ll receive your physical card in the mail in 7-10 business days.