Best Mobile Banking for Freelancers in USA
Non-sponsored, Expert Verified and Transparently Ranked Mobile Banking for Freelancers in USA
Executive Summary
We analyzed 5 solutions. Top Recommendation: Lili by Lili scored highest due to Best for gig workers and freelancers who want automated tax prep. Lili’s Tax Bucket auto‑saves a percentage of income for taxes [1]; Smart/Premium plans offer pre‑filled Schedule C and other tax forms with reporting [2]; built‑in categorization and bookkeeping streamline write‑offs [3].
At a Glance
LilibyLili
Best for: Best for gig workers and freelancers who want automated tax prep. Lili’s Tax Bucket auto‑saves a percentage of income for taxes [1]; Smart/Premium plans offer pre‑filled Schedule C and other tax forms with reporting [2]; built‑in categorization and bookkeeping streamline write‑offs [3].
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Summary
Lili is a mobile banking platform for freelancers and independent workers, offering business checking, expense categorization, tax savings, and invoicing tools.
Best For
Best for gig workers and freelancers who want automated tax prep. Lili’s Tax Bucket auto‑saves a percentage of income for taxes [1]; Smart/Premium plans offer pre‑filled Schedule C and other tax forms with reporting [2]; built‑in categorization and bookkeeping streamline write‑offs [3].
Key Features
- AI-powered expense categorization and automated tax savings, tailored for gig workers and freelancers.
Found
Company 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.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Integrated banking and bookkeeping
- AI-powered financial tools
- Automatic tax deductions and write-offs
- User-friendly interface
- No credit check or minimum balance required
Technology Stack
Industries Served
Technical Information
Social Proof
Customer Testimonials
User friendly. Extremely user friendly and for the most part runs like a consolidated Quickbooks, but doesn't cost you a bunch of money.
Automation. I have never seen an app for freelancers, contractors, and business owners that has everything they need with such automation.
No downtime. Was just astonished at how easy it was to integrate into my daily life with no real downtime in learning the app's ins and outs!
Great app. Great app for business owners who have a sole-ownership LLC, a sole proprietorship, or are a freelancer. Pretty much does your taxes for you.
Very easy. It was very easy. We just put in all the relevant information and had an account opened up so quickly.
Brilliant. Finally, business banking with accounting software built in. I no longer need Quickbooks. It even does the schedule C for you. Brilliant.
Just makes sense. Having banking, invoicing, and bookkeeping all in one app just makes sense, and Found is the only one doing it all correctly.
True quality banking. Amazing!! Banking services, invoicing, Stripe connection. Excellent interface. Automatic tax deductions. True quality banking.
Seamless. Love the automatic tax separation from income, and the invoice and payment features have made running a small business seamless for me.
So much easier. Found is going to save me so much headache. It makes EVERYTHING so much easier. Expenses, income, profits, TAXES. Invoices even!
A blessing. As a small business owner, Found has been a blessing. I can focus on my customers and my business and not worry about banking problems.
Automate and calculate. Helps you automate and calculate a lot of things you'd have to do yourself before, giving you more time to focus on other aspects that matter.
Social Links & Discovery
Categories
Keywords
Target Customers
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.
Overview
Found Business Banking is a full-featured online business checking account designed for small businesses and self-employed individuals. It offers no hidden fees, no minimum balance, easy sign up with no credit checks, and unlimited transactions. The platform integrates banking with advanced bookkeeping and tax tools, providing a comprehensive solution for managing business finances.
Best For
Best for freelancers, sole proprietors, and entrepreneurs managing multiple businesses. Built‑in tax tools automate estimated set‑asides and Schedule C workflows [1]; Pockets sub‑accounts with unique account numbers organize cash flow [2]; up to 10 physical/20 virtual cards support controlled team spend [3].
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
Features & Modules
Full-Featured Banking
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
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
Integrations
Available In
Security
- Comprehensive fraud monitoring
- Two-factor authentication (2FA)
- Data encryption and secure infrastructure
Compliance
- Banking services provided by Lead Bank, Member FDIC
- Deposits are FDIC-insured up to $250,000 per depositor for each account ownership category
Novo
Company Information
Company Overview
Company Details
Trust & Compliance
Key Value Propositions
- No hidden fees
- Easy account setup
- AI-powered transaction categorization
- Real-time fraud alerts
- FDIC insured deposits
Industries Served
Technical Information
Social Proof
Customer Testimonials
Novo has truly changed how we work as a completely virtual team and made things a lot easier for us.
Choosing Novo and hiring an accountant were honestly the best decisions I made for my business.
The ease of setting up an account without having to visit a branch to verify your identity has been seamless.
No fees are a big deal to me—I don’t want to feel like the bank is taking my money.
I’m a designer, so it’s important that I can customize my invoices with my logo. I can do that in Novo.
Novo has been a great tool that I wish I took advantage of in the beginning.
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.
Overview
Novo Bookkeeping is an AI-powered tool that helps small businesses manage their books, categorize expenses, and generate financial reports, making bookkeeping faster, easier, and more accurate. It is designed to save time, provide clear financial insights, and simplify tax preparation.
Best For
Best for small businesses and consultants seeking hands‑off bookkeeping. Novo auto‑categorizes expenses with AI and produces download‑ready P&L and tax‑friendly reports (including Schedule C) [1]; robust integrations centralize payments from Stripe/PayPal/Square for clearer cash flow and faster invoicing/collections [2], [3].
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
Features & Modules
Bookkeeping on cruise control
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.
Available In
Compliance
- Novo is a fintech, not a bank. Banking services provided by Middlesex Federal Savings, F.A., Member FDIC.
- Eligibility for Novo products and services is subject to final Novo determination.
Mercury
Company 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.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Fast account setup in 10 minutes
- Unlimited cashback on spending
- High FDIC insurance coverage
- Integrated financial workflows
Technology Stack
Industries Served
Technical Information
Mercury provides an API for developers to integrate banking services into their applications.
Social Proof
Customer Testimonials
An operator’s dream. Mercury combines the speed, simplicity, and smarts that I need to get back to running my business.
Case Studies
An operator’s dream
Lindsay Liu
Mercury combines the speed, simplicity, and smarts that I need to get back to running my business.
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.
Overview
Mercury offers business banking with free checking and savings accounts, virtual cards, and a suite of financial tools designed for startups and growing companies. Banking services are provided through FDIC-insured partner banks, with up to $5M in FDIC insurance via sweep networks. The platform emphasizes automation, seamless payments, transparent pricing, and advanced controls for team and spend management.
Best For
Best for startups and tech‑savvy companies needing automated, global banking. Mercury provides up to $5M in FDIC coverage via sweep networks [1]; free domestic and USD international wires plus 40+ local‑currency payouts [2]; and read/write APIs to automate payments and reconciliation [3].
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)
Features & Modules
Business banking for building great things
Everything you need for smooth banking
Get back to building with streamlined banking and financial operations
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
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
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?
Integrations
Available In
Security
- Up to $5M in FDIC insurance via sweep networks through partner banks (Choice Financial Group, Column N.A., Evolve Bank & Trust)
- User-level permissions and access controls
- Approval rules for large purchases and payments
- Funds are spread across up to 20 banks for expanded FDIC coverage
- Banking partners are FDIC members; Mercury itself is not a bank
Compliance
- Banking services provided through FDIC-insured partner banks (Choice Financial Group, Column N.A., Evolve Bank & Trust)
- FDIC insurance covers the failure of an insured bank
- Certain conditions must be satisfied for pass-through insurance to apply
- Treasury product is not FDIC insured and is subject to investment risk
Oxygen
Company Information
Company Overview
Company Details
Key Value Propositions
- Diverse range of true crime shows
- In-depth coverage of cases
- Engaging storytelling
- Multi-platform content availability
Industries Served
Technical Information
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.
Overview
Oxygen True Crime TV Shows is a collection of television series and documentaries focused on true crime stories, including current and historical cases, infamous serial killers, crimes of passion, disappearances, and more. The offering includes a wide variety of shows, both ongoing and upcoming, that explore real-life criminal investigations, mysteries, and justice.
Best For
Best for true‑crime enthusiasts and cord‑cutters seeking a deep, continually refreshed catalog. Oxygen organizes a wide library of investigative series with full‑episode streaming via its app [1]; multiple new titles announced for 2025, 2026 keep content current [2]; app access supports binge‑watching across devices [3].
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
Features & Modules
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
Available In
Data Quality & Transparency
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:
Freelancers require seamless tax filing and expense tracking to manage their finances effectively.
Clear pricing and low fees are critical for freelancers to minimize costs.
Strong integration capabilities with existing tools enhances usability and efficiency for freelancers managing multiple platforms.
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.