Found is a fintech banking platform for self-employed individuals, freelancers, and sole proprietors. Founded in 2019 and headquartered in San Francisco, Found partners with Lead Bank (FDIC insured) to provide business checking accounts with built-in tax automation, bookkeeping, invoicing, and payroll tools specifically designed for the financial complexity of self-employment income. The platform was recognized by NerdWallet as the best business checking account for paying contractors and saving for taxes.
Found offers three account tiers. The base account is free with no monthly fee, no minimum balance, no overdraft fees, and no excess transaction charges. It includes unlimited invoicing with ACH, credit/debit card payment acceptance (via Stripe), business expense categorization when using the Found debit card, receipt capture and annotation, quarterly tax estimation, and contractor payroll management with 1099 filing. The free account does not earn interest.
Found Plus at $35/month ($315/year on annual billing) adds 1.5% APY on balances up to $20,000 and earns 0.5% cash back on qualifying transactions. Found Pro at $80/month ($720/year) adds 2.5% APY on all balances with no cap and 1% cash back on all qualifying transactions. Both paid tiers include priority support.
A notable change effective March 2026: Found removed its tax return filing feature from all plans. Previously, subscribers could file their complete business tax return through the Found app; this is no longer available on any tier. The platform’s tax tools now focus on estimation and categorization rather than filing.
Found supports up to 5 businesses from a single login and allows management of contractor tax forms and payments for no additional fee. The platform is available to sole proprietors, LLCs, corporations, and limited partnerships in the United States but is not available to partnerships or nonprofits. Cash deposits are not available — only digital deposits and check capture.