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Banking built for

the self-employed

Business checking plus free tools to simplify taxes, expense tracking, and more. Sign up for free in minutes.

Get $125

*

Claim your limited time bonus offer.

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.

Banking, invoicing, and bookkeeping in one app just makes sense.

Review by Jim S. on Trustpilot

Best Business Checking for Self-Employed Workers

November 2024

©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

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Online business banking

Stay on top of your money anytime, anywhere.

Built-in bookkeeping

Tax time just got easier with everything in one place

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No hidden fees:

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

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Bank with confidence

FDIC insurance up to $250,000 through Piermont Bank, Member FDIC*

*Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category.

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TRANSFERS AND DEPOSITS
Move your money with ease
Easy deposits
Deposit checks and cash; send and accept invoices. Accept ACH transfers, wires, or set up direct deposit to get paid 2 days early.**
Easy payments
Integrate seamlessly with payment apps like Venmo, Cash App, PayPal, Square, and more. Found-to-Found payments are instant and free.
Up to 20 virtual cards
Streamline purchasing with virtual debit cards. Create and share in seconds to enable others to spend. Easy tracking, limits, and card locking keep you in control.
ORGANIZE YOUR MONEY YOUR WAY
Budget and save with pockets
Create custom pockets
Quickly separate and earmark money with pockets. Set aside funds for payroll, supplies, emergencies — whatever you choose.
Allocate funds to each pocket
Move money between pockets any time, or automatically allocate a percent of every deposit to a specific pocket.
Set goals and track progress
Whether you’re saving for insurance premiums or a rainy day, set savings goals and track your progress.

See why over 500K business owners have chosen Found

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

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.

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.

  • Bank with confidence

    Your funds are FDIC-insured up to $250k through Piermont Bank, Member FDIC.

    Data encryption and secure infrastructure
    Data encryption and secure infrastructure
    Two-factor authentication (2FA)
    Two-factor authentication (2FA)
    Comprehensive fraud monitoring
    Comprehensive fraud monitoring
    Frequently Asked Questions
    Who is Found for?
    Why do I need a business checking account?
    Will my Found account have a routing number?
    Where can I use my Found debit card?
    Can I add my business name to my Found debit card?
    Which apps can I connect to my Found account?
    Can I link my Found card to Apple Pay or Google Pay?
    How can I fund to my Found account?
    How does Found automatically categorize expenses?
    Can Found help me identify relevant tax deductions and write-offs?
    Can I use the Found app to actually pay taxes too?
    I currently use another accounting tool. Do Found’s bookkeeping tools work with other platforms?
    How much does it cost to send invoices through Found?
    What forms of payment can I accept with Found invoices?
    How much does it cost to use Found contractor management?

    Sign up for free in minutes.

    Easy sign up

    No credit check

    No minimum balance

    No hidden fees

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    Found is available on iOS, Android, and desktop.
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    for the self-employed

    PRODUCTS
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    *Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category.

    The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc.

    The information on this website is not intended to provide, and should not be relied on, for tax advice.

    **Direct deposit funds may be available for use for up to two days before the scheduled payment date. Early availability is not guaranteed.

    Found partners with various providers to enable you to compare offers from participating institutions, such as lending, filing service, and insurance providers. Found is not a lender, a filing service, nor an insurance provider.

    This website contains advertisement of Found and third party products and services.

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

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