Smart banking for independent workers.

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.

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.

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.

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.

indi is an FDIC-insured account with a Visa® 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.

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.