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Found

Found Business Banking

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

7.5
Our Rating
APY
None on the free tier; 1.50% on balances up to $20,000 with Found Plus
Monthly Fee
$0 (free tier)
Minimum to Open
None
ATM Access
No Found ATM fees but no fee-free network; cash deposits cost $2 and cap at $4,000/month

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

Plan Options

Found

$0

  • ▸Checking with Mastercard debit and up to 10 Pockets sub-accounts
  • ▸Auto expense categorization, receipt scanning, unlimited free invoicing
  • ▸Contractor payments with W-9 collection and 1099-NEC e-filing

Found Plus

$35 (or $315/year)

1.50% on balances up to $20,000

  • ▸Schedule C plus 1120/1120-S form generation
  • ▸In-app quarterly federal tax payments for Schedule C filers
  • ▸Priority phone support and auto-categorization rules

Found Pro

$80 (or $720/year)

  • ▸Import transactions from external banks, cards, and apps
  • ▸Unlimited bookkeeping rules
  • ▸Discounted outgoing wires ($10 vs $15)

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

  • +The best integrated tax toolkit of any business account for Schedule C filers
  • +Genuinely free tier with no minimums and no credit check
  • +Now open to multi-member LLCs and corporations, not just sole props
  • +Annual billing knocks roughly 25% off paid tiers

Cons

  • −Plus nearly doubled in price to $35/month in the latest restructure
  • −1.50% APY is capped at $20k and paywalled behind Plus
  • −Only $250k FDIC coverage through a single bank
  • −Low cash deposit limits and a 1.75% instant transfer fee

Our Take

Found's pitch was never the banking, it is the tax automation, and for self-employed people who dread quarterly estimates it remains best in class. The 2026 price hike to $35 for Plus is harder to swallow when the APY tops out at $20k of balance. Take the free tier for the bookkeeping, but if you carry real balances, your yield lives elsewhere.

Best for: Self-employed owners who want taxes and bookkeeping done in the bank app

Open at Found →

Last verified 2026-06-11

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