Found

Overview

Found is a banking app aimed at sole proprietors and freelancers that combines a business account with bookkeeping, invoicing and tax tools^[16]. Banking services are provided by Lead Bank, Member FDIC; Found describes itself as a financial technology company, not a bank, and funds are insured up to $250,000 per depositor per ownership category^[16]. The free plan includes the account, debit cards, bookkeeping, invoicing and tax features without a subscription fee^[16].

Found Plus ($35 a month or $315 a year) adds 1.50% APY on balances up to $20,000, business credit-building, free mailed checks and $12 domestic wires; Found Pro ($80 a month or $720 a year) pays 2.50% APY on all balances, adds 1% cash back on eligible card purchases, a metal debit card, a dedicated account manager and $8 domestic wires^[16]. Both paid plans have a 30-day free trial^[16]. Found does not advertise a sweep network, so its insured limit is the standard $250,000, lower than Mercury, Relay, Bluevine or Novo. Its emphasis on tax set-asides and expense categorisation makes it closer to a freelancer finance tool than to an operating account for a growing company.

Found features

• Bookkeeping and tax tools on free plan
• Invoicing
• Business credit-building on Plus
• Interest up to 2.50% APY on Pro
• Metal debit card on Pro

Found pricing

Found: $0. Found Plus: $35/month or $315/year; 1.50% APY up to $20,000; $12 domestic wires. Found Pro: $80/month or $720/year; 2.50% APY uncapped; 1% cash back; $8 domestic wires.

Found strengths and limitations

Appears in

• Best Business Bank Accounts in 2026 #9

Found alternatives and competitors

Alternatives to Found: companies ranked in the same lists.

• Mercury
• RRelay
• Bluevine
• Axos Bank
• U.S. Bank National Association
• Chase Business Complete Banking
• Bank of America
• Capital One, National Association
• NNovo
• Lili
• Wells Fargo Bank, N.A.
• TD Bank Group