RECOMMENDED BY

$125 offer

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RECOMMENDED BY

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Smarter banking for your business

AI-POWERED

Built-in bookkeeping, invoicing, taxes, and financial tools.

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The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

Get $125*

Get $125

*Earn $125 when you deposit $5,000 into your Found account within the first 30 days of account creation and maintain it for 30 days. Rewards are deposited into your Found account within 30 days of meeting the requirements. Terms apply.

Offer is valid for new customers only and expires 12/31/25. It is valid only when signing up through this page or using offer code FORBES.

Online business banking:

Stay on top of your money anytime, anywhere.

Built-in bookkeeping:

Tax time just got easier with everything in one place.

No hidden fees:

No minimum balance required, no opening, overdraft, or maintenance fees.⁴

Manage multiple businesses:

Create up to five business accounts under a single login.

⁴Optional subscription to Found Plus for $19.99/month or $149.99/year. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read more.

4.8

App Store

over 26K ratings

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4.7

Google Play

over 16K reviews

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4.5

TrustPilot

over 1K reviews

Best Business Checking for Self-Employed Business Owners

October 2025

©2017-2025 and TM, NerdWallet, Inc. All Rights Reserved.

One app that does it all

Smart banking

Mastercard® business debit card²

Direct deposit

Check and cash deposits⁵

Wires and check payments

Contractor payments

Sub-accounts

Integrated bookkeeping

Expense and income tracking

Custom rules and tags

Receipt scanning

Invoicing

Import external accounts

Financial reports

Advanced
tax tools

Automatic write-offs

Tax form generation

Tax estimates

Tax filing¹⁰

1099 form filing

Mileage tracking

²The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted. ⁵Subject to eligibility requirements, applicable terms and conditions, and service fees. See Terms of Service and Lead Account Terms for more details. ¹⁰Tax payments are available for Found Plus subscribers ($19.99/month or $149.99/ year) who file a Schedule C.

²The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.
⁵Subject to eligibility requirements, applicable terms and conditions, and service fees. See Terms of Service and Lead Account Terms for more details.
¹⁰Tax payments are available for Found Plus subscribers ($19.99/month or $149.99/ year) who file a Schedule C.
¹³Found customers can create 1 custom expense rule, 1 custom tag, and 1 custom category for free. Unlimited rules, tags, and categories available with Found Plus ($19.99/month or $149.99/ year).

More than 3 million expenses categorized—and counting

Bookkeeping on autopilot

Auto-categorized expense notifications in the Found app, including transactions for business meals, contractor services, software subscriptions, and office rent.
Auto-categorized expense notifications in the Found app, including transactions for business meals, contractor services, software subscriptions, and office rent.

Take a product tour

See Found in action—get a high-level overview of our key features.

Meet your new assistant

Powered by AI and available 24/7

Ask any question, any time

What’s my income this month?”

Delegate time-consuming tasks

“Create an invoice to send to Sarah”

Stay tax-ready

“How much have I set aside for taxes?”

Ask any question, any time

What’s my income this month?”

Delegate time-consuming tasks

“Create an invoice to send to Sarah”

Stay tax-ready

“How much have I set aside for taxes?”

See why over 700K business owners have chosen Found

quotes

Very easy.

It was very easy. We just put in all the relevant information and had an account opened up so quickly.

Warren W.

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Brilliant.

Finally, business banking with accounting software built in. I no longer need Quickbooks. It even does the schedule C for you. Brilliant.

iOS app store

quotes

It's a perfect fit for single member LLCs and sole proprietors. That's why I like it for all of the people I work with.

Loyd W.

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Just makes sense.

Having banking, invoicing, and bookkeeping all in one app just makes sense, and Found is the only one doing it all correctly.

Jim S.

quotes

True quality banking.

Amazing!! Banking services, invoicing, Stripe connection. Excellent interface. Automatic tax deductions. True quality banking.

Saul S.

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    Security

    Data encryption and secure infrastructure

    Two-factor authentication (2FA)

    Comprehensive fraud monitoring

    Frequently Asked Questions
    Who is Found for?
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    Why do I need a business checking account?
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    Can I add my business name to my Found debit card?
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    Which apps can I connect to my Found account?
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    Can I link my Found card to Apple Pay or Google Pay?
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    How can I fund to my Found account?
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    How does Found automatically categorize expenses?
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    Can Found help me identify relevant tax deductions and write-offs?
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    Can I use the Found app to actually pay taxes too?
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    I currently use another accounting tool. Do Found’s bookkeeping tools work with other platforms?
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    How much does it cost to send invoices through Found?
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    What forms of payment can I accept with Found invoices?
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    How much does it cost to use Found contractor management?
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    Sign up in as little as 5 minutes

    Easy sign up

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    No credit check

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    No minimum balance

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    No maintenance fees

    App download QR code
    Scan to download the Found app.
    Found is available on iOS, Android, and desktop.
    App icon cactus
    One platform to manage
    your business finances


    ²The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

    ³Found's core features are free. Found also offers an optional paid product, Found Plus for $19.99/month or $149.99/year.

    ⁴Optional subscription to Found Plus for $19.99/month or $149.99/year. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read more.

    ⁵Subject to eligibility requirements, applicable terms and conditions, and service fees. See Terms of Service and Lead Account Terms for more details.

    ¹⁰Tax payments are available for Found Plus subscribers ($19.99/month or $149.99/ year) who file a Schedule C.

    ¹³Found customers can create 1 custom expense rule, 1 custom tag, and 1 custom category for free. Unlimited rules, tags, and categories available with Found Plus ($19.99/month or $149.99/ year).

    Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.
    Get started

    Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.