Found
All-in-one business banking with built-in bookkeeping and tax tools
How it works
Found is a fintech platform (banking services provided by Lead Bank, Member FDIC) that combines business checking with built-in bookkeeping, invoicing, and tax tools. It automatically categorizes income and expenses, provides real-time tax estimates, generates Schedule C reports, and lets users set aside tax savings in dedicated 'Pockets.' The platform supports unlimited invoicing with customizable templates, receipt scanning, mileage tracking, and 1099 contractor payments. Paid plans (Plus at $35/mo, Pro at $80/mo) add interest on balances (1.5-2.5% APY), priority support, in-app quarterly tax payments, and dedicated account management.
Is it right for you?
Consider if you
- Freelancers and sole proprietors wanting banking plus tax tools in one app
- Self-employed workers with multiple income streams (gig platforms, invoicing clients)
- Single-member LLCs wanting automatic Schedule C generation and tax estimates
Skip if you
- Businesses needing credit, lending, or payroll products (not offered)
- High-volume businesses with large cash deposit or wire transfer needs
- Anyone wanting in-person banking at physical branches (digital-only)
Your money and data
Found accounts are FDIC-insured up to $250,000 through Lead Bank, Member FDIC. The platform uses bank-level encryption for data in transit and at rest. External financial account connections are read-only through Plaid. Funds are held at an FDIC-member bank, not by Found directly, meaning depositor funds are protected against bank failure. Note: Found's previous banking partner Piermont Bank received an FDIC enforcement action in 2024 for unsafe practices related to fintech partnerships; Found has since transitioned to Lead Bank.
Pros & Cons
Pros
- Generous free plan includes banking, bookkeeping, invoicing, and real-time tax estimates
- Automatic Schedule C generation and quarterly tax estimates save hours at tax time
- Multi-business support: manage up to 5 businesses under a single login
Cons
- No lending, credit, or payroll products available on the platform
- Low deposit and transfer limits compared to traditional business banks
- Customer support is chat/email only during business hours; no phone support
Pricing details
Free: Core business checking, unlimited invoicing, bookkeeping, tax estimates, mileage tracking, receipt scanning, 1099 filing. Found Plus ($35/mo or $315/yr): 1.50% APY on balances up to $20K, priority support, in-app quarterly tax payments, unlimited custom rules/tags. Found Pro ($80/mo or $720/yr): 2.50% APY on all balances (no cap), dedicated account manager, premium metal card, free checks. No minimum balance, no monthly fees on free plan.
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