Ultimate banking
for freelancers.

Freelancers! Get a business banking account that pays your taxes, automates your savings, and sends you a paycheck.

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Visa PartnerBlue-Ridge bank partnerUnit partnerFeatured in Banking dive
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Lance is an intuitive business banking account designed for freelancers.

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Transfer your salary

You decide how much you make. Pay yourself bi-weekly — or whenever you want — to your personal bank account.
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Pay your taxes

Lance will automatically calculate, withhold and pay your quarterly taxes to the IRS. (Yep, you read that right.)
Automated budgeting and salary transfer icon

Budget your savings

Decide how much you want to save, and Lance will do the rest — putting a part of each paycheck toward savings.
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A card the pays you back

Get a powerful card that not only tracks and categorizes your expenses, but gives you up to 1.5% unlimited cashback.

How does it work?

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Get paid for your work.

Route all your freelance business income straight to your Lance account.

Get taxes out of the way.

Lance will calculate your taxes, and automatically set the money aside every month. We'll even pay your quarterly taxes, so there won't be any unpleasant surprises at the end of the year.

Define your budget, and leave the rest to Lance.

Set your salary, saving and spending preferences, and forget about them. Lance will divvy up each paycheck according to your priorities.

Get paid for your work.

Route all your income straight to your Lance account.

Get taxes out of the way.

Lance will calculate your taxes, and automatically set the money aside every month. We'll even pay your quarterly taxes, so there won't be any unpleasant surprises at the end of the year.

Define your budget, and let Lance do the rest.

Set your salary and saving preferences, and forget about them. Lance will divvy up the rest of your money every month, according to your priorities.
Money-sorted notification in Lance banking app

Your business finances, sorted.

It’s the most powerful hands-free budgeting system yet. Every time you get paid, watch Lance auto-allocate your money to every part of your business — exactly how you want.

Learn more
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Zero-friction payments

Lance Checkout is the slickest way for clients to pay you via credit card. Just create your beautiful, branded payment request — and share the unique link with your client.

Apply in 4 minutes

Apply in 4 Minutes

No minimun deposits

No minimum deposit

No fees

No hidden fees

FDIC Insured

FDIC insured & secured

Human Support

Human support

The business banking experience of freelance dreams.

Hi. Lance co-founders here.
We know nobody ever taught you this stuff. Nobody taught us either. We used to be in your shoes, 2 AM stress-googling “how much should I be saving” and “what is a 1099 form” and “is my equinox gym membership tax deductible?” It was like navigating a dark forest with a dying mini-flashlight. The freelancer's status quo, to be blunt, kinda sucked. So we built Lance — a freelance business account to automatically handle your backend and budgeting, so you can focus on your hustle. No more dark forests. No more stress-googling. Lance has arrived.
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We partner with the world’s best

Barclays Partner
Unit partner
Blue-Ridge bank partner
Visa Partner

Everything you get

FDIC-insured banking account
Unlimited payments, deposits & transfers
Instantly active virtual debit card
Free ATM deposits & withdrawals
World-class support
ACH limits: $2,500 / day | $10,000 / month
ACH limits: $5,000 / day | $25,000 / month
PRo
Card spending Limits: $2,500 / day
Card spending Limits: $5,000 / day
PRO
Up-to 1% cashback on every purchase
Up-to 1.5% cashback on every purchase
PRO
Lance Checkout - a personally branded checkout page
Deposit checks
Unlimited accounting reports
Digital receipt capture
Auto-tracking expenses
Manual salary transfers
Automatic salary transfers
PRO
Pre-filled Schedule C
PRO
Dynamic tax calculation
Automatic tax withholding
Free tax quarterly payments to IRS
PRO
Lance pro example

Go bigger
‍with Lance Pro

Higher ACH limits, bigger card spending limits, extra cashback rewards, and more control over all parts of your business.

Learn more

Frequently asked questions

What is Lance?

Lance is the first smart business banking account for the business owners. Lance automatically allocates personal income, tax withholding, business expenses and profit for individual businesses. With basic bookkeeping, entry level accounting and taxes done, self-employed workers now have everything they need to grow financially-compliant and stable businesses.

Is Lance secure and FDIC-insured?

Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 through  Blue Ridge Bank; Member FDIC.

Do I have to be a business owner to use Lance?

Lance is optimized for the self-employed. If you're a business owner, freelancer, a side-hustler, or anyone who uses a 1099 form, Lance is your best option for a business bank account.

Can I open an account if I’m not in the US?

You have to be a US citizen to open a Lance account.

How do you protect my data?

Your data security and privacy is Lance's top top priority. Some things we do to ensure your account safety include:
• Requiring HTTPS on all pages, and use HSTS to ensure browsers only ever connect to us over a secure connection.
• Employing a third party to perform penetration testing each year to check for vulnerabilities.
• Storing passwords hashed with the bcrypt algorithm. We never store or log your plaintext password.
• Using Time-based One Time Passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
• Encrypting our database and all uploaded images. We employ additional encryption for sensitive data, like social security numbers.
• Never storing your debit card number.

Can I give my accountant access to my Lance account?

Not yet. But you can email Lance's financial statements and data to your accountant as often as you wish. It's free.

Will you really pay my taxes?

Yes! We pay your quarterly IRS payments. To file your annual tax statement, however, you will need an accountant. (We don't have that superpower yet.)

What constitutes as "income" for my Lance account?

Whether you're an Etsy shop owner, an Amazon seller, a content writer, wedding photographer, or fitness instructor — anything you get paid for on a freelance basis counts as income.

So, can I route all my Venmo, Cashapp and Paypal payments to Lance?

You can and should. That's the best way to account for all your tax liabilities.

How do you determine how much I need to pay in taxes?

We've developed an algorithm that does exactly that, so you'll never have to worry about over- or under-saving for your taxes.

Are my expenses deducted automatically?

Yes! Just make sure to use your Lance debit card for all your business expenses.

Who decides my salary?

You do! When you open an account, you get to determine what percentage of your income your salary will be, and how often you’d like to receive it (bi-weekly or monthly). We'll work with you to fine tune the best percentage.

I earned less than usual this month. How does this reflect in my salary?

It doesn't. We try to keep your salary as stable as possible, for your own mental well being.

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Join the new age of freelancers
putting their money on autopilot.

Get Started