Best Mobile Banking for Freelancers in USA in 2025
Published: December 5, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Lili by Lili scored highest due to AI-powered expense categorization and automated tax savings, tailored for gig workers and freelancers..
Content Verification
Evaluation Criteria:
Side-by-Side Comparison
| Feature | #1 Lili (Lili) | #2 Business Banking (Found) | #3 Bookkeeping (Novo) | #4 Business Banking (Checking & Savings) (Mercury) | #5 Oxygen True Crime TV Shows (Oxygen) |
|---|---|---|---|---|---|
| Best For | AI-powered expense categorization and automated tax savings, tailored for gig workers and freelancers. | Automated tax withholding and Schedule C reporting, making it especially useful for freelancers managing quarterly taxes. | No monthly fees, instant account setup, and seamless integration with payment platforms like Stripe and PayPal. | No wire transfer or ATM fees, high interest rates, and powerful API for automation, ideal for tech-savvy freelancers. | Designed specifically for freelancers with features like instant payments and 1099-friendly record-keeping. |
| Tax & Bookkeeping Automation | Automates taxes with a Tax Bucket that auto‑sets aside a chosen percentage from business income. Automates bookkeeping via AI‑driven transaction categorization with receipt capture, plus on‑demand expense reports. Generates prefilled IRS forms (Schedule C, 1065, 1120‑S) to speed filing. (support.lili.co) | Automates bookkeeping with transaction import, receipt capture, and auto-categorization via rules. (found.com) Provides real-time tax estimates and auto-saves to a Taxes Pocket using a smart percentage. (found.com) Supports federal quarterly tax payments (Plus) and auto-generates tax documents (e.g., Schedule C); optional filing via Column Tax. (found.com) | AI-powered auto-categorization with automated tax-friendly categories and ready-to-download P&L/expense reports. Link external accounts via Plaid (up to 5) for consolidated, auto-categorized reporting. QuickBooks Online integration and a detailed tax category list streamline tax prep, including Schedule C support. (novo.co) | Integrations with QuickBooks Online, Xero, and NetSuite auto-sync transactions; create custom categories and GL-coding rules; automatic receipt matching; export QuickBooks/NetSuite-formatted CSVs; bookkeeper role with view-only access. (mercury.com) | N/A |
| Pricing & Fee Transparency | Lili pricing: Basic $0; Pro $15/mo or $144/yr; Smart $35/mo or $336/yr; Premium $55/mo or $528/yr. No minimum balance. Fees: MoneyPass ATM $0; out-of-network $2.50 domestic/$5 international; outgoing domestic wire $15 (incoming $0); international wire $25 out/$15 in + 1% FX commission; ACH express 1.5% ($0.50, $20). (support.lili.co) | $0 monthly maintenance and no minimum balance. (found.com) Optional Found Plus: $19.99/mo or $149.99/yr. (found.com) Fees: $15 outgoing wires; 1.75% instant transfers (min $0.50) and 1% express; $1 mailed checks; $1.75 cash deposits; standard ATM operator fees apply. (found.com) Detailed fee schedule published online. (found.com) | Free: Novo Bookkeeping is a free feature for Novo customers, 100% free with no subscription or monthly fee. Available at no extra cost as part of a Novo account. (novo.zendesk.com) | Free business checking/savings with no monthly, overdraft, or minimum-balance fees; free ACH, checks, domestic wires. (support.mercury.com) USD international wires free; optionally pay $15 (OUR) to cover recipient intermediary fees. (support.mercury.com) Non-USD international wires: 1% FX fee. (support.mercury.com) Advanced workflow subscriptions available (from $35/month); base banking remains free. (mercury.com) | oxygen.com lists no standalone subscription price; full episodes require a TV/cable/satellite provider login. (oxygen.com) Some content (previews/special episodes) is free without login. (oxygen.com) Oxygen is also available over-the-air in select U.S. markets; oxygen.com does not disclose pricing. (oxygen.com) |
| Integrations & API Connectivity | Integrates with accounting tools (QuickBooks, Xero, FreshBooks) with daily transaction sync. Connects payroll, payments, and e‑commerce apps via Plaid or manual routing/account numbers. For partners, Lili Connect offers API, webhooks, and UI components to embed account opening and manage applicants. (support.lili.co) | Integrations: Stripe (card payments, Tap to Pay, invoice payments), plus payouts from Square, Shopify, and Etsy; PayPal linking supported. (found.com) Connectivity: Uses Plaid to link external bank accounts and to import transactions from banks and apps (e.g., PayPal, Venmo). (found.com) | Direct integrations: Xero and QuickBooks Online; Novo sends transactions to Xero hourly and surfaces QuickBooks P&L/expense data in Novo. (novo.co) Bookkeeping links external bank/credit card accounts via Plaid (up to 5 accounts) and can sync transactional data to other tools via Zapier. (novo.zendesk.com) | Integrations: QuickBooks Online, Xero, NetSuite; payouts from Stripe, Shopify, Amazon; Slack app for balance checks and payment approvals. (support.mercury.com) API: read/write REST covering accounts, transactions, recipients, invoices, and ACH (100 free ACH/month), with OAuth2 for third‑party apps, API tokens, and a sandbox for testing. (mercury.com) | Public API: none documented. Integrations: TV Everywhere provider sign-in; apps on iOS/Android, Apple TV, Roku, Amazon Fire TV, with Chromecast; live streaming via Sling TV, Hulu + Live TV, and YouTube TV. (oxygen.com) |
LiliCompany Information
Summary
Lili is a mobile banking platform for freelancers and independent workers, offering business checking, expense categorization, tax savings, and invoicing tools.
Key Features
- AI-powered expense categorization and automated tax savings, tailored for gig workers and freelancers.
Detailed Comparison
Tax & Bookkeeping Automation
Pricing & Fee Transparency
Integrations & API Connectivity
FoundCompany Information
Found is a financial technology company that provides business banking services designed for small business owners and the self-employed. The company offers tools to track expenses, calculate taxes, manage cash flow, send invoices, and more, all in one app.
"Smarter banking for your business"
Keywords
Description
Found is a financial technology company that provides integrated banking, bookkeeping, invoicing, and tax tools for self-employed business owners and freelancers.
What They Do
Found offers a comprehensive platform for business banking, bookkeeping, invoicing, and tax management, specifically designed for self-employed individuals and freelancers.
Who They Serve
Self-employed business owners, freelancers, and contractors.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Found provides a business banking platform tailored for small businesses and self-employed individuals, combining a business checking account with integrated bookkeeping, tax tools, and payment integrations. The service is available online and via mobile apps, with a focus on ease of use, transparency, and automation.
Best For
Small businesses, Self-employed business owners, Contractors, Entrepreneurs, Business owners managing multiple businesses
Key Features
- Full-featured business checking account (open online in as little as five minutes)
- Business debit card (up to 10 physical cards) and up to 20 virtual cards (assignable to team members)
- Built-in cash flow management with Pockets (sub-accounts with unique account numbers)
- Flexible money movement (ACH, wires, cash, checks, and more)
- Payment integrations (Stripe, PayPal, Square, and more)
- Manage up to five businesses under a single login (each with its own checking account, bookkeeping, and tax tools)
- Automatic expense tracking and categorization
- Real-time tax estimates and automatic tax savings
- Contractor management (onboard, pay, and manage contractors with no per-contractor fee)
- Unlimited, professional invoices (customizable and free to send)
- Mobile and desktop access (iOS, Android, and web)
Key Benefits
- No hidden fees
- No minimum balance
- Easy sign up with no credit checks
- Unlimited transactions
- Integrated bookkeeping and tax tools
- Comprehensive fraud monitoring and security
- Real support from real people
- FDIC-insured deposits up to $250,000
Who Is It For
- Small businesses
- Self-employed business owners
- Contractors
- Entrepreneurs
- Business owners managing multiple businesses
Geographic Availability
Full-Featured Banking
Banking built for small businesses. No hidden fees, no minimum balance, easy sign up, no credit checks, unlimited transactions.
- No hidden fees
- No minimum balance
- Easy sign up, no credit checks
- Unlimited transactions
There’s more to our business banking
Full-featured business checking account, business debit card + multiple virtual cards, built-in cash flow management with Pockets, flexible money movement, payment integrations, manage multiple businesses.
- Open a business checking account online in as little as five minutes. No credit check.
- Get 10 physical cards and up to 20 virtual cards to use or assign to your team.
- Pockets are sub-accounts that let you save, track, and spend cash for different business needs, each with its own account number.
- Move money your way with ACH, wires, cash, checks, and more.
- Link Found to Stripe, PayPal, Square, and more for easy payments.
- Create up to five business accounts under a single login—each with its own checking account, bookkeeping, and tax tools.
Integrated bookkeeping and tax tools
Found isn’t just for business banking. Our platform includes advanced bookkeeping and tax tools—so that you have everything you need to manage your finances, all in one place.
- Automatic expense-tracking
- Real-time tax estimates
- Contractor management
- Unlimited, professional invoices
Found Plus
Upgrade for premium bookkeeping tools and more. Take the stress out of growing your business with advanced bookkeeping and tax tools—plus 1.5% APY on balances up to $20K.
- Premium bookkeeping tools
- 1.5% APY on balances up to $20K
Security and support
Comprehensive fraud monitoring, two-factor authentication (2FA), data encryption and secure infrastructure, real support from real people.
- Comprehensive fraud monitoring
- Two-factor authentication (2FA)
- Data encryption and secure infrastructure
- Real support from real people
Resources
Detailed Comparison
Tax & Bookkeeping Automation
Pricing & Fee Transparency
Integrations & API Connectivity
NovoCompany Information
"Smarter banking for small businesses"
What They Do
Novo offers banking solutions tailored for small businesses, including checking accounts, credit cards, funding options, and financial management tools.
Who They Serve
Small businesses, freelancers, self-employed individuals, consultants, and various entrepreneurial sectors.
Key Value Propositions
Target Customers
Industries Served
Key Pages
Summary
Novo's Bookkeeping tool leverages AI to automatically categorize expenses, generate accurate profit & loss and expense reports, and connect external accounts for a comprehensive financial overview. It is built to help small businesses and entrepreneurs stay tax-ready and manage their finances without manual spreadsheets.
Best For
Small businesses, Self-employed individuals, Freelancers, Consultants
Key Features
- AI-powered categorization of expenses
- Accurate profit & loss (P&L) and expense reporting
- External account connections for consolidated view
- Automated tax-friendly categories
- Downloadable reports for tax preparation
- Detailed financial tracking and reporting
Key Benefits
- AI-powered expense categorization reduces manual effort
- Saves hours of time compared to manual spreadsheets
- Provides accurate P&L and expense reports
- Automated, tax-friendly categories for easy tax prep
- Ready-to-download reports for accountants or Schedule C
- Tracks financial progress and provides detailed insights
- Connects all accounts for a unified financial view
Who Is It For
- Small businesses
- Self-employed individuals
- Freelancers
- Consultants
Geographic Availability
How It Works
Connect your business and external accounts to Novo Bookkeeping.
AI automatically categorizes your transactions and expenses.
View and download P&L and expense reports.
Use reports for tax preparation or share with your accountant.
Bookkeeping on cruise control
Manage your books without breaking a sweat. Novo's AI-powered expense categorization makes bookkeeping faster, easier, and more clear.
Let AI lend a hand
Novo’s AI-powered expense categorization intelligently categorizes expenses for you so you can stay ready for tax-season and keep an eye on your expenses without all the manual effort.
Bye-bye spreadsheets
You have better things to do than sort spreadsheets. Novo’s Bookkeeping tool saves you hours of time, while making sure you can get a clear picture of your finances faster.
Breeze through tax season
Novo’s automated tax-friendly categories and ready-to-download P&L reports make tax prep a walk in the park. Send them to your accountant or use them for your Schedule C, and let tax season be stress-free.
Your finances, crystal clear
Track your financial progress over time and plan your future with more confidence. Get detailed reports, P&L statements, and more at your fingertips with Novo.
Everything in one place
Connect all your accounts and Novo automatically categorizes all your transactions so you can see your entire financial picture clearly in one place.
Join over 250,000 small businesses today
Resources
Supporting Resources
Detailed Comparison
Tax & Bookkeeping Automation
Pricing & Fee Transparency
Integrations & API Connectivity
Business Banking (Checking & Savings)
MercuryCompany Information
Mercury is a financial technology company that provides online business banking services, offering powerful banking and finance essentials, including FDIC-insured bank accounts, online ACH, wires, and checks, corporate debit and credit cards, and more.
"Powerful banking. Simplified finances."
Keywords
Description
Mercury is a fintech company that provides online business banking services designed to simplify financial operations for startups and businesses.
What They Do
Mercury offers online business banking services, including checking and savings accounts, treasury services, credit cards, and expense management.
Who They Serve
Mercury serves startups and businesses of all sizes, enabling them to manage their financial operations efficiently.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Summary
Mercury provides a modern business banking platform featuring free checking and savings accounts, virtual and physical debit and credit cards, and a range of integrated financial tools. The service is designed to streamline banking and financial operations for startups and growing businesses, offering automation, spend controls, and seamless domestic and international payments.
Best For
Startups, Growing businesses, U.S. companies (including those founded by non-U.S. residents), Companies needing modern, automated banking solutions, Businesses with U.S. or international principal business addresses (not P.O. boxes or registered agents)
Key Features
- Free checking and savings accounts
- Virtual and physical debit & credit cards
- Free domestic and international USD wires
- Scheduled and recurring payments via ACH, wire, or check
- User-level permissions and approval rules
- Customizable card limits and spend controls
- Auto-transfer rules between accounts
- Slack payment approvals
- Integrations with Xero and QuickBooks
- Automated payroll via wire drawdowns
- Bill pay with drag-and-drop interface
- Global payments in 40+ currencies (1% FX fee)
- Access to additional products: IO credit card, Treasury, Venture Debt, Bill Pay, Invoicing, Startup Perks
Key Benefits
- Free checking and savings accounts with no monthly or overdraft fees
- Up to $5M in FDIC insurance through partner banks and sweep networks
- Fast online application and onboarding
- Immediate access to virtual cards upon approval
- Automated financial operations (auto-transfers, payroll, integrations with Xero and QuickBooks)
- Advanced spend controls and user-level permissions
- Seamless domestic and international payments
- Transparent pricing with no hidden fees
- Mobile app for banking on-the-go
Who Is It For
- Startups
- Growing businesses
- U.S. companies (including those founded by non-U.S. residents)
- Companies needing modern, automated banking solutions
- Businesses with U.S. or international principal business addresses (not P.O. boxes or registered agents)
Geographic Availability
Business banking for building great things
Go beyond traditional banking with free checking and savings accounts, virtual cards, and more.
Everything you need for smooth banking
- Free checking & savings accounts
- FDIC-insured through partner banks and sweep networks
- Corporate cards (virtual and physical debit & credit cards)
- Free domestic and international USD wires
- No hidden or monthly fees
- Scheduled & recurring payments via ACH, wire, or check
- User-level permissions and controls
Get back to building with streamlined banking and financial operations
- Fast online application and onboarding
- Start spending immediately with virtual cards
- Complete any banking task in just a few clicks
- Bank on-the-go with an intuitive mobile app
Set your finances on auto-pilot
- Create auto-transfer rules between your accounts
- Approve payments instantly via Slack
- Close the books quickly and accurately with Xero and QuickBooks integrations
- Automate payroll with easy wire drawdowns
Control spend effortlessly with advanced rules
- Create user-level permissions so that employees and bookkeepers only access the accounts they need
- Set approval rules for large purchases and specify who can make payments without approval
- Manage team spend with customizable & flexible card limits
Store your funds with complete confidence
Get up to $5M in FDIC insurance through our partner banks and their use of sweep networks.
Send and receive money seamlessly
- Set up one-time or recurring ACH and wire transfers
- Simplify payments with drag-and-drop bill pay
- Pay global vendors in 40+ local currencies (1% FX fee) or send international wires in USD for free
Transparent pricing
- Free checking and savings accounts
- Zero monthly fees or overdraft fees
- Free ACH transfers
- Free domestic and USD international wires
- 1% currency exchange fee for non-USD international wires
- 1.5% cashback on all credit spend
Frequently asked questions
- What do I need to apply for an account?
- Where are my funds kept and how are my deposits FDIC-insured?
- Can I apply for an account if I’m not physically in the United States or a United States resident?
- What does it cost to use Mercury for businesses?
Resources
Supporting Resources
Detailed Comparison
Tax & Bookkeeping Automation
Pricing & Fee Transparency
Integrations & API Connectivity
Oxygen True Crime TV Shows
OxygenCompany Information
"True Crime"
Description
Oxygen is a television network that focuses on true crime programming, featuring a range of shows, news articles, and documentaries related to criminal cases and justice.
What They Do
Oxygen produces and airs true crime programming, including documentaries, dramatizations, and news coverage of real criminal cases.
Who They Serve
The network serves viewers interested in true crime narratives and criminal justice topics.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Oxygen True Crime TV Shows provides viewers with a comprehensive lineup of true crime programming, featuring investigative series, headline-driven documentaries, and in-depth explorations of criminal cases. The content is organized into categories such as Current Shows, Ripped From the Headlines, Infamous Serial Killers, Killer Series, Crimes of Passion, Disappearances, and more.
Best For
True crime enthusiasts, Viewers interested in real-life criminal investigations, Fans of documentary and investigative television, Individuals seeking in-depth coverage of headline-making cases
Key Features
- Extensive library of true crime TV shows
- Shows categorized by themes and topics
- Current, upcoming, and past series available
- Visual previews and direct links to individual show pages
- News and updates related to true crime
Key Benefits
- Access to a wide variety of true crime shows and documentaries
- Coverage of both current and historical criminal cases
- Content organized by themes such as serial killers, disappearances, and crimes of passion
- Ability to watch every episode of select shows
- Regularly updated with new and upcoming series
Who Is It For
- True crime enthusiasts
- Viewers interested in real-life criminal investigations
- Fans of documentary and investigative television
- Individuals seeking in-depth coverage of headline-making cases
Geographic Availability
Current Shows
A selection of ongoing true crime series available on Oxygen.
- Cold Justice
- Dateline: Secrets Uncovered
- Killer Grannies
- Killer Relationship With Faith Jenkins
- Snapped: Behind Bars
Ripped From the Headlines
Shows based on headline-making and high-profile criminal cases.
- The Forgotten West Memphis Three
- Dannemora Prison Break
- Manson: The Women
- Dirty John, The Dirty Truth
- The Disappearance Of Susan Cox Powell
- Murder and Justice: The Case of Martha Moxley
- Chandra Levy: Who Killed Chandra?
- The Turpin 13: Family Secrets Exposed
- Death At The Mansion: Rebecca Zahau
- Uncovered: The McMartin Family Trials
- The Piketon Family Murders
Watch Every Episode
Full episodes available for select series.
- In Ice Cold Blood
- Injustice with Nancy Grace
- Mysteries & Scandals
- New York Homicide
- The Real Murders Of Atlanta
- The Real Murders of Orange County
Infamous Serial Killers
Documentaries and series focused on notorious serial killers.
- Rifkin on Rifkin: Private Confessions of a Serial Killer
- Dahmer On Dahmer: A Serial Killer Speaks
- Kemper on Kemper: Inside The Mind of a Serial Killer
- Method Of A Serial Killer
- Golden State Killer: Main Suspect
- Murders At The Boarding House
- Mark of a Serial Killer
- Living With A Serial Killer
- Catching A Serial Killer: Bruce McArthur
Killer Series
Series exploring different types of killers and their motives.
- Killer Siblings
- Killer Motive
- Killer Affair
- Killision Course
- Buried in the Backyard
- Deadly Cults
Crimes of Passion
Shows focusing on crimes driven by love, jealousy, or betrayal.
- A Lie to Die For
- A Wedding and a Murder
- Dying To Belong
- Killer Affair
- Snapped: Killer Couples
- Murder For Hire
- Seduced By Evil
- She Made Me Do It?
Disappearances
Series and documentaries about missing persons cases.
- The Disappearance of Crystal Rogers
- The Disappearance of Maura Murray
- The Disappearance Of Natalee Holloway
- The Disappearance of Phoenix Coldon
- The Disappearance Of Susan Cox Powell
- The Disappearance of the Millbrook Twins
Coming Soon
Upcoming true crime shows on Oxygen.
- Accident, Suicide, or Murder
- Charmed by the Devil
- Snapped
Resources
Supporting Resources
Detailed Comparison
Pricing & Fee Transparency
Integrations & API Connectivity
Our Ranking Methodology
How we rank these offerings
We ranked these Mobile banking for freelancers in USA based on three key factors: Tax & Bookkeeping Automation (40% weight), Pricing & Fee Transparency (35% weight), and Integrations & API Connectivity (25% weight). Lili scored highest because it offers comprehensive tax automation features, competitive pricing plans specifically attractive for freelancers, and robust integrations making it an excellent choice for this niche.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for mobile banking services tailored for freelancers?
- Mobile banking platforms like Found, Lili, and Novo often offer free basic accounts with optional premium services that may incur fees. These services typically include options such as zero monthly fees, no minimum balance requirements, and free ACH transfers. For added features like advanced bookkeeping or automated tax savings, some platforms might charge a subscription fee or a small percentage of transactions, designed to be competitive for self-employed users.
- What key selection criteria should freelancers consider when choosing a mobile banking platform?
- Freelancers should prioritize platforms offering easy integration with financial tools, seamless expense tracking, and robust tax management features. Services like those provided by Found and Novo, which automate bookkeeping and expense categorization through AI, can save considerable effort. Lili's integrated invoicing and tax savings solutions further simplify financial management, making these criteria crucial for freelancers aiming for comprehensive financial oversight.
- How do mobile banking platforms for freelancers ensure compliance with industry standards?
- Platforms like Found and Mercury ensure compliance by adhering to financial regulations through features such as FDIC insurance and secure transaction protocols. They also provide compliance assistance through tax tools that help freelancers manage IRS requirements. Additionally, these platforms often include transparent pricing models and user-friendly interfaces to promote adherence to banking regulations while simplifying user experience.
- What are some common implementation challenges for freelancers using mobile banking services, and how are they addressed?
- Freelancers may encounter challenges such as integrating various financial accounts and managing cash flow effectively. Companies like Novo address these by offering comprehensive financial overviews through AI-driven tools and seamless account connectivity. Found's platform, with integrated bookkeeping, alleviates manual entry and categorization errors, allowing freelancers to automate financial management tasks efficiently and with minimal friction.
- What is the potential return on investment (ROI) for freelancers using mobile banking platforms?
- The ROI for freelancers using platforms such as Lili and Found can be substantial, often manifesting as time savings and improved financial efficiency. These platforms reduce administrative burdens by automating expense tracking and tax preparation, allowing freelancers to focus more on revenue-generating activities. For example, the expense categorization and tax savings tools provided by Lili can lead to more strategic financial decisions and potentially maximize deductions, thus boosting net income.
Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.