Accounts built for freelancers and sole operators — Novo, Found, Lili, Mercury — written up one at a time, with the fee that bites named in the line.
This statement is empty. The site went up before its first write-up, so the rows below are entries due to be posted, not work already done.
The ground this site is being built on. Each reference is a position in the statement, nothing more.
The four names a freelancer meets first, set against each other on the things that differ once the sign-up bonus is out of the way.
What a bank asks for when there is no incorporation certificate to hand it, and which of them will open on an EIN alone.
The case for keeping freelance money in a separate personal account, and the points at which that stops being enough.
Wire fees, cash deposits, instant-payout cuts and inbound ACH — where the no-monthly-fee accounts make it back.
For work billed rather than sold: what the built-in invoicing does, and whether it is worth staying inside the bank for.
Sub-accounts, envelopes and reserves, and how the automatic set-aside features differ from doing it by standing rule.
Worth reading while the statement is still empty, because this is what the writing will be held to once it is not.
No ratings, no stars, no tier board. Where one account is the better fit, it will be said in a sentence you can disagree with.
Each write-up says what it is based on. Nothing here will describe a hands-on trial or a test process that nobody ran.
Some links may earn a commission. That changes no order and no verdict, and the page says so wherever it applies.
How to work through an account before you move money into it — the same three steps every write-up here will follow.
Card work, invoices, marketplace payouts and cash all push you to a different account. The payment method decides more than the brand does.
The published schedule is where the wire fee, the deposit cap and the payout cut live. The marketing page rarely mentions any of them.
Fee schedules are revised and grandfathering is inconsistent. The version you agreed to is the document worth saving.
Account and sort numbers shown on this page are masked placeholders. No balance, figure or total on this site is real data, and none will be invented to fill a line.