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Full-featured banking

Banking built for small businesses

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  • Up to 2.50% APY¹⁴
  • Up to 1% cash back¹⁷
  • No minimum balance
  • No required hidden fees⁴
Found’s banking interface showing a user managing multiple cards, including a physical business debit card, a virtual card for subscriptions, and a physical card assigned to a team member.

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.

¹⁴Found Plus subscribers (for $35/month or $315/year) earn 1.50% Annual Percentage Yield (APY) on balances up to $20,000. Found Pro subscribers (for $80/month or $720/year) earn 2.50% APY on all balances, with no cap. APY is variable and subject to change.

There’s more to our business banking

  • Full-featured business checking account

    Open a business checking account online in as little as five minutes. No credit check.

  • Multiple business debit cards for you and your team

    Order up to 10 physical cards and create 20 virtual cards to share with team members.

  • Built-in cash flow management with Pockets

    Pockets are sub-accounts that let you save, track, and spend cash for different business needs, each with its own account number.

  • Flexible money movement

    Move money your way with ACH, wires, cash, checks, and more.

  • Payment integrations

    Link Found to Stripe, PayPal, Square, and more for easy payments.

  • Manage multiple businesses

    Create up to five business accounts under a single login—each with its own checking account, bookkeeping, and tax tools.

FOUND PRO

Rewards that make your money go further

Enjoy premium banking benefits and personalized support when you subscribe to our premium paid plan called Found Pro.³

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  • 2.50% APY on all balances¹⁴

    Hit your savings goals faster with earnings on your entire balance, no cap.¹⁴

  • 1% cash back¹⁷

    Get rewarded for card purchases¹⁷ made by you or your team.

  • Dedicated account manager

    Get faster answers and tailored guidance from your own account manager.

¹⁴Found Plus subscribers (for $35/month or $315/year) earn 1.50% Annual Percentage Yield (APY) on balances up to $20,000. Found Pro subscribers (for $80/month or $720/year) earn 2.50% APY on all balances, with no cap. APY is variable and subject to change.

Take a product tour

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

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Integrated bookkeeping and tax tools

Found isn’t just for business banking. Our platform includes advanced bookkeeping and tax tools—so that you have everything you need to manage your finances, all in one place.

  • A potter in her studio, with a $124.95 purchase from Art Supply Co. auto-categorized as Supplies and $12.65 saved on estimated taxes

    Automatic expense-tracking

    We’ll track and categorize purchases as you make them.

  • A tax estimate in the Found app breaking out federal and state taxes due, business income and deductible expenses

    Real-time tax estimates

    We’ll estimate your tax bill and automatically set money aside.

  • Sending a $500 payment to a named contractor from a Found account balance

    Contractor management

    Onboard, pay, and manage contractors all from the app, with no per-contractor fee.

  • A Found invoice a client can settle by Google Pay, Cash App Pay, bank account, ACH and wire, or PayPal

    Unlimited, professional invoices

    Customize and send as many invoices as you need—for free.

See what Found customers have to say.

  • User friendly.

    Extremely user friendly and for the most part runs like a consolidated Quickbooks, but doesn't cost you a bunch of money.

    Tracy T.

  • Automation.

    I have never seen an app for freelancers, contractors, and business owners that has everything they need with such automation.

    Manos K.

  • No downtime.

    Was just astonished at how easy it was to integrate into my daily life with no real downtime in learning the app's ins and outs!

    Coen K.

  • Great app.

    Great app for business owners who have a sole-ownership LLC, a sole proprietorship, or are a freelancer. Pretty much does your taxes for you.

    Rob T.

  • Very easy.

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

    Warren W.

  • 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

  • Everything in one platform.

    Found has been a godsend for me and our business - it pretty much does everything.

    Cub L.

  • 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.

  • True quality banking.

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

    Saul S.

  • Seamless.

    Love the automatic tax separation from income, and the invoice and payment features have made running a small business seamless for me.

    Anjanette S.

  • So much easier.

    Found is going to save me so much headache. It makes EVERYTHING so much easier. Expenses, income, profits, TAXES. Invoices even!

    Jake J.

  • A blessing.

    As a small business owner, Found has been a blessing. I can focus on my customers and my business and not worry about banking problems.

    Trustpilot

  • Automate and calculate.

    Helps you automate and calculate a lot of things you'd have to do yourself before, giving you more time to focus on other aspects that matter.

    Paul S.

  • Take all the guesswork out.

    Found and this app take all the guesswork out of owning your own business!

    John B.

Security and support

  • Comprehensive fraud monitoring

  • Two-factor authentication (2FA)

  • Data encryption and secure infrastructure

  • Real support from real people

Frequently Asked Questions

Will my Found account have a routing number?

Yes, your Found account comes with its own account and routing numbers.

Where can I use my Found debit card?

Use your Mastercard Business debit card anywhere Mastercard is accepted, including for online and international transactions.

Can I manage multiple businesses on Found?

Yes, you can manage multiple businesses under a single Found account, whether they're registered businesses, partnerships, or sole proprietorships.

Are my deposits FDIC-insured?

Funds are FDIC-insured up to $250,000 per deposit for each account ownership category through Lead Bank. Found partners with Lead Bank, Member FDIC, to provide business banking services.

Can I link my Found card to Apple Pay or Google Pay?

Yes, Found is compatible with both Apple Pay and Google Pay, and you can link your virtual card before your Found card arrives in the mail.

How can I fund my Found account?

There are many ways to fund your account including direct deposit, domestic wire transfers, transfers from payment processors like Square and Stripe, transfers from payment apps like Venmo and Cash App, cash deposits at over 79K retail locations, check deposits, and client invoices through Found's invoicing feature.

Can I use the Found app to pay my taxes?

Found Plus and Pro subscribers who file a Schedule C can make in-app quarterly federal tax payments. A few weeks before payments are due, Found customers will see an option in their Found account to make a tax payment.