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Found Business Banking

By Alex Compton · Last verified

Banking, bookkeeping, and Schedule C taxes in one app for the self-employed

7.5
Our Rating
APY / yield
None on the free tier; 1.50% up to $20,000 on Found Plus; 2.50% on all balances with no cap on Found Pro
Monthly Fee
$0 (free tier)
Minimum to Open
None
ATM Access
No Found ATM withdrawal fee; operator fees can apply. Cash deposit help lists one free deposit per month, then $2, with $2,000 per rolling 7 days and $4,000 per rolling 30 days limits; confirm the fee in-app.

Insurance: FDIC insured up to $250,000 through Lead Bank

Account Terms History

A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.

ObservedAPY / yieldMonthly feeMinimumEvidence
2026-10-23None on the free tier; 1.50% up to $20,000 on Found Plus; 2.50% on all balances with no cap on Found Pro$0 base; Plus $35/month or $315/year; Pro $80/month or $720/yearNoneFound pricing, fee schedule and help pages →Scoped review: corrected Pockets count, free versus paid tax tools, cash-deposit allowance and rolling limits; qualified corporate-form availability because official pages disagree. Full-record verification date remains October 12.

Primary-source verification log

Append-only evidence ledger
  1. changed

    Scoped review corrected Pockets count, tax-tool plan allocation, cash fee allowance and rolling limits; qualified conflicting corporate-form claims and added net-interest context. Full-record verification date preserved.

    Fields: plans, atm, pros, cons, ourTake, bestFor, termHistory

    Found pricing, fee schedule and tax/cash help →
  2. changed

    Form generation is included in the free plan; paid quarterly federal tax payments remain limited to Schedule C filers. Partial check retains October 12 overall verification.

    Fields: plans

    Found current pricing and features →
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Plan Options

Found

$0

  • ▸Checking with Mastercard debit and up to 20 Pockets sub-accounts
  • ▸Auto expense categorization, receipt scanning, unlimited free invoicing
  • ▸Contractor payments with W-9 collection and 1099-NEC e-filing
  • ▸Schedule C preparation included; confirm corporate-form availability for your tax classification

Found Plus

$35 (or $315/year)

1.50% on balances up to $20,000

  • ▸In-app quarterly federal tax payments for Schedule C filers
  • ▸Priority phone support and auto-categorization rules
  • ▸Automatic external transaction imports and unlimited custom expense rules

Found Pro

$80 (or $720/year)

2.50% on all balances, no cap

  • ▸2.50% variable APY on all balances, with no cap
  • ▸Includes Plus tax and bookkeeping tools
  • ▸1% cash back on qualifying debit purchases, subject to terms
  • ▸Dedicated account manager; mailed checks included and outgoing wires $10

Features

  • ▸Automatic tax savings and quarterly tax estimates as you earn
  • ▸Built-in bookkeeping with receipt capture and Schedule C prep
  • ▸Unlimited free invoicing
  • ▸Pockets sub-accounts for envelope budgeting
  • ▸Contractor 1099 tooling built in
  • ▸Supports sole props, single- and multi-member LLCs, and corporations

Pros

  • +Tax estimates, automatic tax set-asides and Schedule C preparation in the free plan
  • +No monthly maintenance fee or minimum balance for the base account; transaction fees can apply
  • +Now open to multi-member LLCs and corporations, not just sole props
  • +Annual billing knocks roughly 25% off paid tiers

Cons

  • −Paid Plus and Pro features require a subscription; generated tax forms are not a filed income-tax return
  • −Plus's 1.50% APY is capped at $20k; the uncapped 2.50% needs the $80/month Pro tier
  • −Only $250k FDIC coverage through a single bank
  • −Cash-deposit limits and separate fees for instant payments, express transfers and wires

Our Take

Start with Found's free bookkeeping and tax-planning tools before paying for Plus or Pro. Plus adds in-app quarterly federal payments for eligible Schedule C filers and external transaction imports, but its base 1.50% APY on a maximum $20,000 produces only $300 over a year at an unchanged rate, less than either subscription price. Pro can suit users who value its tools and rewards together; do not choose it solely because the rate is higher without subtracting the fee. Found generates preparation documents, while filing an income-tax return remains a separate step. Its own pages disagree about C-corporation form support, so confirm that feature for your business.

Best for: Owners seeking integrated bookkeeping, tax estimates and optional Schedule C payment tools

Open at Found →

Last verified 2026-10-12

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