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Found

Found is a freelancer-focused business banking platform with built-in tax automation, invoicing, expense tracking, and contractor payroll — free base account, optional paid tiers for APY and cash back.
Verified: May 4, 2026 Pricing verified May 2026 from Found website. Tax return filing removed March 2026.
Starting at
Base account: free (no monthly fee, no minimums). Found Plus: $35/mo ($315/yr) — 1.5% APY up to $20K + 0.5% cash back. Found Pro: $80/mo ($720/yr) — 2.5% APY all balances + 1% cash back. Banking by Lead Bank, Member FDIC.
Free base account — no trial required
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Top Alternative
Relay →

Relay offers free business banking with no monthly fees, multiple sub-accounts, and team access — a strong free alternative for freelancers who don't need Found's tax automation depth.

Finance Specs

What We Like
  • Built-in quarterly tax estimation and automatic expense categorization — addresses the core financial pain of self-employment
  • Free base account with no fees, no minimums, unlimited invoicing, and contractor payroll management
  • Manage up to 5 businesses from a single login — useful for freelancers with multiple client-facing business entities
  • Contractor payroll and 1099 filing included at no additional charge
Considerations
  • Tax return filing removed from all plans March 2026 — previously a key differentiator
  • No cash deposits — digital-only platform unsuitable for cash-handling businesses
  • APY on free account is 0% — interest only available with paid plans
  • Not available to partnerships or nonprofits
Expert Verdict
Found is the best banking option for freelancers and self-employed individuals who want tax automation, expense categorization, and contractor payroll without using separate apps. The free account covers most needs. The March 2026 removal of tax return filing is a step back — freelancers who relied on it for filing should use a dedicated tax tool alongside Found. For those who just need basic business checking, Relay or Bluevine may offer similar features at lower (or zero) cost.

NorthOne is a digital business banking platform founded in 2017 in New York, providing FDIC-insured business checking accounts through The Bancorp Bank. It serves small businesses, startups, freelancers, and e-commerce brands and was built specifically for businesses that need modern integrations, strong cash flow organization tools, and no traditional banking friction. Over 50 software integrations connect NorthOne directly to accounting platforms (QuickBooks, Wave, FreshBooks, Xero), payment processors (Stripe, Square, PayPal), e-commerce tools (Shopify, Etsy), and payroll services (Gusto).

NorthOne offers two pricing tiers. The Standard plan is free with no monthly fee, no minimum balance, and no overdraft or NSF fees. It earns 2.5% APY on balances up to $250,000 if eligibility requirements are met (including $500/month in card spend). The Plus plan costs $30/month and adds 3.0% APY on balances up to $250,000, priority customer support, dedicated relationship managers, 1% cash back on all card transactions, lower wire transfer fees ($15 vs $20 for Standard), free same-day ACH (vs 1.5% fee on Standard), and free physical check sending (vs $1/check on Standard).

Fee structure on both plans: standard ACH is free; same-day ACH costs 1.5% on Standard (free on Plus); domestic wire transfers cost $20 outgoing/$0 incoming on Standard ($15/$0 on Plus); physical check sending costs $1 on Standard (free on Plus). Cash deposits are available via Green Dot locations with a third-party fee of up to $4.95, and are limited to $1,500/day and $5,000/month. No international wire transfers are available on either plan.

NorthOne’s Envelopes feature is its distinguishing cash management tool — unlimited virtual sub-accounts for budgeting specific expenses like taxes, payroll, rent, or savings goals, with automated rules to allocate percentages of deposits automatically. This makes it particularly valuable for freelancers and small businesses that need to set aside money for quarterly taxes or build operational reserves without opening multiple separate accounts.

Frequently Asked Questions

How much does Found cost?

The Found base account is free with no monthly fees, minimum balances, or excess transaction charges. Found Plus costs $35/month ($315/year) and earns 1.5% APY on balances up to $20,000 plus 0.5% cash back. Found Pro costs $80/month ($720/year) and earns 2.5% APY on all balances with no cap plus 1% cash back on all transactions.

Does Found still offer tax return filing?

No. Found removed its business tax return filing feature from all plans in March 2026. The platform now focuses on tax estimation (calculating quarterly estimated tax payments based on income) and expense categorization rather than actual tax filing. Freelancers who need to file their tax returns need a separate tool such as TurboTax, H&R Block, or a CPA.

Who is Found designed for?

Found is designed for sole proprietors, freelancers, independent contractors, and self-employed individuals in the United States. It also supports LLCs, corporations, and limited partnerships. Found is not available to partnerships or nonprofit organizations.

Can Found handle contractor payments?

Yes. Found lets business owners pay contractors, manage their tax forms, and file 1099s at no additional charge on all plans. This is a standout feature for freelancers who hire subcontractors or manage other independent workers.

How does Found compare to Relay?

Found specializes in tax automation and self-employment financial tools — quarterly tax estimation, expense categorization, and contractor payroll are core differentiators. Relay focuses on cash flow organization with multiple sub-accounts and team access. Both offer free base accounts. Found is stronger for solo self-employed individuals; Relay is stronger for teams managing multiple cash flow buckets.

Advertiser Disclosure: Pricing verified May 2026 from Found website. Tax return filing removed March 2026.. We may receive compensation for clicks or purchases on this site.

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