indi – Smart Banking

indi is smart banking for independent workers. Bank on the go, save for taxes, and track expenses—all in one app.¹

Whether you’re self-employed, a freelancer, an independent contractor, or working a side gig, indi is designed for you. indi is an FDIC-insured account² with a debit card³ and mobile banking app built for independent workers. Use indi to bank smarter, save for taxes, and maximize expense deductions—all in one account, right in your pocket.

No signup fee. No monthly service fee. No overdraft fees. No minimum balance requirement.

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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 account that lets you visualize your balance as two categories—Okay to Spend and Tax Savings.⁴

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.⁴

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.⁴

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.

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FEATURES

INDI CARD
Use your indi debit debit card for purchases—work or personal. Categorize deductible expenses 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.⁴

RECEIPT CAPTURE
Capture and upload receipts directly to indi.

NO MONTHLY FEES
Enjoy no signup fee, 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.

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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 over 18,000 ATMs in the PNC network. Deposit cash at retailers nationwide.⁵

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1. A supported mobile device is needed to use this mobile app. Standard message and data rates may apply.
2. 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.
3. The indi prepaid debit card is issued by PNC Bank, National Association.
4. 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.
5. indi cardholders can withdraw cash at any ATM. Cash deposit locations are limited to PNC ATMS; and Visa® ReadyLink merchants (for Visa cardholders) or Mastercard® rePower merchants (for Mastercard cardholders); merchants may charge a fee for this service.

Visa is a registered trademark of Visa International Service Association and used under license.
Mastercard is a registered trademark of Mastercard International Incorporated.

indi is a registered mark of numo llc, a subsidiary of The PNC Financial Services Group, Inc.
PNC and PNC Bank are registered marks of The PNC Financial Services Group, Inc.
©2021 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC.