Smart banking for independent workers.

Whether you're a freelancer, an independent contractor, or working a side gig, indi is designed for you. Apply for your account1 in minutes, and use indi to bank on the go, save for taxes, and track expenses—all in one app.2

Apply in minutes!

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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: Okay to Spend and Tax Savings.3
  • 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.

How it works.

  1. 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.3
  2. 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.
  3. Stay organized on the go.
    Make purchases with your indi Visa card4 and categorize deductible expenses in real time. Capture receipts right in the app.

Features

INDI VISA<sup>&reg;</sup> CARD

INDI VISA® CARD

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

AUTOSAVE FOR TAXES

AUTOSAVE FOR TAXES

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

RECEIPT CAPTURE

RECEIPT CAPTURE

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

NO MONTHLY FEES

NO MONTHLY FEES

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

SMART TIPS

SMART TIPS

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

FEE-FREE TRANSFERS

FEE-FREE TRANSFERS

Receive funds from an external bank account or via PayPal, Venmo, Google Pay, Apple Pay, etc.5

Bank with confidence.

FDIC
FDIC-insured

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

FDIC
Supported by PNC Bank

With an indi account you can access your money fee-free at nearly 18,000 ATMs as listed on the PNC ATM locator.6

FAQ

Frequently asked questions:

Is indi for me?

We created indi for independent workers. If you’re self-employed, an independent contractor, a freelancer, a gig worker, or similar, and you're age 18+, then indi can help simplify your finances so you can focus on your career.

Leaves

Download indi to apply now.

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Leaves

  1. indi is a prepaid account. Your funds will be held at PNC Bank, National Association and are eligible for FDIC insurance, subject to FDIC insurance coverage limits.
  2. A supported mobile device is needed to use this mobile app. Standard message and data rates may apply.
  3. indi’s Tax Savings Goal feature is not a substitute for individual tax planning or for legal, financial, or tax advice. This feature is intended only as a tool to provide a basic sense of your potential tax savings needs. Because indi will not know everything about your finances or your personal situation, your Tax Savings Goal may be more or less than your actual tax liability. The Tax Savings Goal does not account for local taxes. Using funds designated as Tax Savings for other spending may leave too little money to pay your taxes.
  4. The indi prepaid debit card is issued by PNC Bank, National Association.
  5. Although indi does not charge a fee for this service, your financial institution or payment processor may.
  6. Visit this locator to find a PNC or PNC Partner ATM near you where indi customers can access money fee-free.
Read a summary of privacy rights for California residents that outlines the types of information we collect as well as how and why we use this information.
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