Top 5 Online Banks for Side Hustlers and Mompreneurs in 2025
If you’re a busy mom juggling kids, coffee, and a side hustle, you know that every dollar and every minute counts. Managing finances for an online business shouldn’t feel like a second full-time job, and thankfully, online banking has made things so much easier for mompreneurs like us.
Gone are the days of waiting in long lines at brick-and-mortar banks or dealing with ridiculous fees just to manage your hard-earned money. Whether you’re a blogger, Etsy seller, VA, or running a booming digital business, having a hassle-free banking solution can make a huge difference in keeping your finances organized, stress-free, and working for you.
So, let’s talk mom-approved, side-hustle-friendly online banks that can help you manage your money like a boss. These are the best online banks for solopreneurs, digital business owners, and mompreneurs who need banking that actually works for their lifestyle.
1. Lili – The Best for Freelancers and Mompreneurs
⭐ Best for: Solopreneurs, Etsy sellers, bloggers, and freelancers who want a simple, stress-free banking solution.
When I first heard about Lili, I thought, okay, but is it really any different from my regular bank? Turns out, yes, yes it is.
Lili was built for freelancers and solopreneurs, which means it actually understands what we need—zero fees, automated expense tracking, and tax tools that save you from a meltdown every April. Plus, the app is ridiculously easy to use (even if your toddler is demanding snacks while you check your balance).
💰 Mom-Approved Features:
✔ No monthly fees, overdraft fees, or minimum balance nonsense
✔ Automatic tax savings feature (goodbye tax surprises!)
✔ Built-in invoicing and expense tracking
✔ Free ATM withdrawals at 38,000+ locations
Try out Lili for yourself. You can visit their website HERE
🛠 Best for moms who: Sell on Etsy, freelance, or run a one-woman digital empire and need banking that makes life easier, not harder.
Photo by Nathan Dumlao on Unsplash
2. Bluevine – Best for Higher Interest on Business Funds
⭐ Best for: Moms running an LLC or a growing online business who want higher interest on their money.
Let’s be real—most banks barely give us interest on our money. Bluevine? Different story.
Bluevine offers a crazy high 2.0% APY on balances up to $250,000. That’s real money you could be earning instead of letting your cash just sit there. If your side hustle is taking off and you want to start treating it like a legit business, Bluevine is a solid pick.
💰 Mom-Approved Features:
✔ Earn up to 2.0% APY (your money should work for you!)
✔ No monthly fees or minimum deposits
✔ Free ACH transfers and unlimited transactions
✔ Integrates with QuickBooks and Stripe
Wanna find out more information about Bluevine’s offerings? You can check them out HERE
🛠 Best for moms who: Want to separate personal and business finances, earn actual interest, and set their business up for long-term success.
Photo Credit: Bluevine App
3. Novo – Best for E-Commerce & Digital Entrepreneurs
⭐ Best for: Moms running Shopify stores, digital businesses, or coaching services online.
If you’re in the online business game—whether that’s selling on Shopify, offering coaching, or making digital products—Novo is built for you. It seamlessly integrates with Stripe, PayPal, Shopify, and QuickBooks, so you’re not wasting time dealing with payments and invoices.
Also? No hidden fees. Ever. 🙌
💰 Mom-Approved Features:
✔ No monthly fees or minimum balance requirements
✔ Free invoicing and payments via ACH, wires, or checks
✔ Exclusive discounts on Stripe, Shopify, and Google Ads
✔ Refunds all ATM fees worldwide (a blessing if you’re traveling or working remotely!)
Want to check them out – You can visit their site HERE
🛠 Best for moms who: Sell online or offer services and want a bank that plays nicely with their business tools.
Photo Credit: Squarespace
4. Relay – Best for Moms Who Need Multiple Accounts for Budgeting
⭐ Best for: Moms who want multiple accounts to organize different income streams and expenses.
Let’s talk budgeting—because keeping side hustle money separate from grocery money is kind of important. Relay lets you create up to 20 checking accounts, so you can budget for taxes, expenses, savings, and more.
💰 Mom-Approved Features:
✔ No fees or minimum balances
✔ Up to 20 checking accounts (perfect for tax and expense planning!)
✔ Free domestic and international payments
✔ Syncs with QuickBooks and Xero
Think Relay might be a good match? Find out more about them on their website HERE
🛠 Best for moms who: Have multiple income streams and need a bank that actually helps them stay organized.
Photo Credit: Relay Website
5. Found – Best for Moms Who Want Built-In Tax and Invoicing Tools
⭐ Best for: Freelancers, gig workers, and solopreneurs who hate dealing with tax stuff.
If the phrase quarterly taxes makes you break out in a cold sweat, Found is here to save the day. It automatically tracks your income and expenses, calculates estimated taxes, and even lets you pay quarterly taxes directly from the app.
💰 Mom-Approved Features:
✔ No monthly fees or minimum balances
✔ Automatic expense tracking and tax calculations
✔ Instant transfers to other accounts
✔ Built-in invoicing and payment processing
Wanna find out it FOUND is a bit for your business and side hustle needs? Check them out HERE
🛠 Best for moms who: Need a tax-friendly bank that takes the stress out of side hustle finances.
Image by StartupStockPhotos from Pixabay
Final Thoughts: Which Online Bank is Right for Your Side Hustle?
The best bank for your side hustle depends on what you need most:
✔ Need built-in tax help? → Go with Lili or Found
✔ Want higher interest on your balance? → Choose Bluevine
✔ Selling online or running an e-commerce biz? → Novo is your best bet
✔ Need multiple accounts to budget better? → Try Relay
No matter which one you pick, these banks will help you ditch the stress, save money, and keep your side hustle finances running smoothly.
