As a freelancer, you need a business bank that keeps costs low, helps with taxes, and stays out of your way. These five banks offer the best combination of zero fees, freelancer-specific tools, and ease of use.
Found
Found is purpose-built for freelancers and sole proprietors. Its automatic tax withholding feature sets aside estimated taxes from every payment you receive — solving the #1 freelancer headache. Add in free expense tracking, invoicing, and no monthly fees, and Found is our top pick for freelancers in 2026.
Read Full Review →Mercury
Mercury's zero-fee structure and clean interface make it perfect for freelancers who want a professional business account without complexity. Free domestic wires, unlimited transactions, and excellent Stripe/QuickBooks integrations mean you can focus on your work, not your bank.
Read Full Review →Relay
Relay's multi-account system is a game-changer for freelancers who struggle with budgeting. Create separate accounts for taxes, operating expenses, and profit — all free. The Profit First methodology becomes effortless with Relay.
Read Full Review →Lili
Lili was designed specifically for freelancers and gig workers. Tax buckets automatically categorize income and expenses, and the mobile-first experience is ideal for freelancers who bank on the go. The free plan covers most needs.
Read Full Review →Novo
Novo's native integrations with Shopify, Stripe, and Square make it excellent for freelancers who sell services or products online. No fees on anything, plus built-in invoicing and expense management tools.
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