Creator money

Where I actually keep my money.

Not a top-10 roundup. One account for saving and taxes, one card for running the business. That’s it.

If you kept this much in savings

$5,000

$500$50,000

This page has affiliate and referral links. If you sign up through one, I may earn a bonus at no cost to you. Rates and offers change. Terms apply. Not financial advice.

For saving & setting aside taxes

The account I’d pick.

MY PICK

SoFi Checking & Savings

Savings + taxes
3.80%*APY
National average 0.40%9.5× more
Interest in 12 months—
Up to $475 in cash bonuses

$50 for opening, $25 more with SoFi Plus, and up to $400 with eligible direct deposit of $5,000+. Terms apply and can change.

I picked it for the app. It’s the only one that doesn’t feel like a bank website from 2009 — and if you’re going to actually move money around, that matters more than a tiny rate difference.@daniellesmktguide

WHY IT WORKS FOR CREATORS

  • Real interest. Way more than the average bank’s 0.40%. The rate is variable, so check the live number on SoFi’s site.
  • Vaults for taxes. Split your savings into labeled buckets. Make one called “Taxes” so that money never gets spent by accident.
  • No fees, no minimum. $0 to open, no monthly fee, no balance to hit.
  • Checking + savings together. One sign-up, one app, paid up to 2 days early with direct deposit.
  • FDIC insured. Plus extra coverage up to $3M through SoFi’s Insured Deposit Program.
MINIMUM$0
MONTHLY FEE$0
INSUREDFDIC
Open a SoFi account →

*Illustrative APY for the calculator. SoFi’s rate is variable and the boosted rate needs eligible direct deposit. I earn a referral bonus if you sign up.

The tax trick

Never get surprised by taxes again.

Creator income has no tax taken out. Think of a Taxes Vault like a piggy bank you’re not allowed to touch.

STEP 1A payment lands

Brand deal, TikTok Shop, Stan payout

→
STEP 2Move a % to “Taxes”

Same percent, every single time

→
STEP 3Pay quarterly

The money’s already there — and earning interest

Ask your accountant what percent is right for you. It depends on your income and your state.

For the business side

If you’re running it like a business.

FOR BUSINESS OWNERS

Chase Business Credit Cards

Business spending

This is a credit card, not a savings account. It’s for keeping business spending separate from personal — the thing every accountant begs creators to do.

WHY IT HELPS

  • Three options by stage: Ink Business Cash, Ink Business Unlimited, or Sapphire Reserve for Business.
  • Clean books. Business costs in one place makes tax time way easier.
  • Welcome offers. Each card has one — they change often, so check the current offer before you apply.
See current Chase Business offers →

Subject to credit approval. Applying is a credit check. Pay the balance in full every month to avoid interest. If you’re approved through my link, I may be rewarded too.

Before you go

Questions, answered honestly.

Is this what you actually use?

Yes. Both are referral links, and you have to be a customer to get one. I don’t link accounts I don’t use.

Do you get paid for this?

Yes — I may earn a referral bonus if you sign up. It costs you nothing and doesn’t change your rate or offer.

Is my money safe with SoFi?

SoFi Bank is FDIC insured up to $250,000 per depositor, with extra coverage up to $3M through its Insured Deposit Program. Confirm current terms on SoFi’s site.

Will this hurt my credit?

Opening a SoFi savings account doesn’t. Applying for a Chase credit card does — it’s a credit check, like any card application.

Can I get a business card if I’m just starting?

Sole proprietors can apply for business cards, but Chase makes the final call based on your credit and business info.