Be your own boss.

indi is smart banking for independent workers. Lighten your load with a single FDIC-insured account¹. Use indi to save for taxes, track expenses, and bank on the go—all in one app². Coming soon to iOS and Android.

Join the waitlist for launch updates and first access to indi. You can unsubscribe any time.

Taxes, simplified.

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

Everything in one account.
indi is a single FDIC-insured account that lets you visualize your balance as two categories: Okay to Spend and Tax Savings³.
Save for taxes, automatically.
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.
Access all your money, anytime.
The money reflected in Tax Savings is available anytime. If you dip in, indi will alert you and increase the percent that you designate moving forward.

Get a personalized
Tax Savings Goal.

Tell us about your income, and we’ll calculate the estimated amount you should save to cover your federal and state taxes³.

Learn more

Ditch your shoe boxes and spreadsheets.

Make purchases with your indi Visa^® card⁴ and categorize deductible expenses in real time. Capture receipts right in the app.

Features

INDI VISA^® CARD

Use your indi prepaid debit card for purchases—work or personal. Categorize as soon as you swipe.

AUTOSAVE FOR TAXES

Set up indi to designate a percent of each deposit to help you reach your Tax Savings Goal.

RECEIPT CAPTURE

Capture and upload receipts directly to indi. No more stashing in shoe boxes.

NO MONTHLY FEES

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

SMART TIPS

Rely on indi for tax payment reminders, intelligent tips, and real-time notifications.

FEE-FREE TRANSFERS

Transfer money between indi and external bank accounts without fees from indi⁵.

Bank with confidence.

FDIC-insured

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

Supported by PNC Bank

Withdraw cash fee-free at any PNC ATM and deposit cash at retailers nationwide⁶.

Frequently asked questions:

Is indi for me?

We created indi for independent workers: self-employed individuals, contractors, freelancers, and gig workers. If your employer does not provide you with a W2 and you’re age 18+, then indi can help simplify your finances so you can focus on your career.

How much does indi cost?

indi has 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 PNC ATMs 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.

Can indi replace my current bank account?

indi is a single account for all of your purchases and income—work and personal. With that said, indi is flexible; use it to match your lifestyle. Want to use indi alongside your existing bank account(s)? You got it. Move money between indi and external accounts—at no cost from indi.

How do I get started?

To get started, you’ll need three items—your mobile phone, your Social Security number, and your ID. Download indi’s app on the App Store or Google Play. Create your indi profile and apply for your account right in the app—no branch needed. Once approved, create your Tax Savings Goal and access your account and routing numbers to set up direct deposit. You’ll receive your indi Visa^® card in 7-10 business days.

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