See a demo Get started

Found CreditDonkey logo

Banking built for small businesses

All the features you want, with no sign-up fee or required monthly fees⁴. Business checking plus built-in tools to simplify taxes, expense tracking, and more. Sign up in minutes.

Get started
A hand holding a black Found debit card in front of the Found app's banking screen, showing an account balance split across Pockets

  • Online business banking

    Stay on top of your money anytime, anywhere.

  • Found debit Mastercard®

    Earn cashback rewards at your favorite retailers.

  • No required hidden fees⁴

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

  • FDIC insurance

    Deposits are insured up to $250,000 through Lead Bank, Member FDIC¹

The Found desktop app's Banking screen for Haven Interiors, showing Primary, Taxes, Profit, General savings and Car repair Pockets beside the Primary pocket's balance, account and routing numbers and recent activity

TRANSFERS AND DEPOSITS

Move your money with ease

The Found app's Primary pocket holding $7,730.76 above a Transfer money button, with the account's routing and account numbers and two incoming payments listed under Recent activity

  • Easy deposits

    Deposit checks and cash⁵; send and accept invoices. Accept ACH transfers, wires, or set up direct deposit to get paid 2 days early.⁶

  • 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

The Found app's banking screen showing an $18,397.73 total balance split across Primary, Taxes, Profit, Owner's Pay and Operating expenses 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.

Found's not like traditional banks¹. It's better.

Save time, money, and headaches with all your financial tools in one place.

  • Expense tracking done for you

    Found tracks expenses automatically, helping you find write-offs and save on taxes.

  • Capture and save receipts

    Never lose track of another receipt with receipt capture and notes built right into the app.

  • Easily track mileage

    Keep tabs on your driving, log trips, and calculate deductions right from the Found app.

  • Everything in one place

    Import transactions from your other cards⁴ and payment apps to track and categorize expenses directly in Found.

  • Auto-save for taxes

    We'll set aside a tax estimate each time you get paid, so you're ready on tax day.

  • Stay ahead of taxes

    See your tax estimate update in real time as you earn income and track expenses.

  • Find write-offs and save

    Found automatically tracks expenses and finds write-offs, helping you deduct as much as possible.

  • Simplify tax time

    Get an auto-generated Schedule C form and pay quarterly taxes, right in your Found app.¹⁰

  • Free, customized invoices

    Create & send sleek invoices in seconds for free.

  • Get paid your way

    Offer your clients seamless payment options including direct deposit, credit card, debit card, and Cash App Pay.

  • Pay contractors for free

    Why pay for payroll? Pay contractors without a monthly or per-contractor fee.

  • Manage 1099 paperwork

    Found will collect W-9s and auto-generate 1099-NEC forms for your contractors.

Get started

See why over 700K business owners have chosen Found

  • 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.

Banking with confidence

Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. FDIC insurance only covers the failure of an FDIC-insured depository institution.

  • Data encryption and secure infrastructure

  • Two-factor authentication (2FA)

  • Comprehensive fraud monitoring

Frequently Asked Questions

Who is Found for?

Found is designed specifically to help small business owners with their finances.

Our customers come from a variety of sectors—from professional and physical services to e-commerce and beyond—and operate under a variety of business types, including sole proprietorships, single and multi-member LLCs, S-Corps, and C-Corps. Whether you are just starting out or an established business, Found can help you streamline your banking and bookkeeping through a single platform.

Learn more here to see if Found could be a good fit for your business.

Why do I need a business checking account?

As a small business owner, it can be hard to keep track of your business when your personal and business finances are combined in one account. It can also make paying taxes even more confusing. With a business checking account like Found, you can keep your business and personal finances separate and organized, so you know exactly what’s going on with your business.

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 card² anywhere Mastercard® is accepted, including for online and international transactions.

Can I add my business name to my Found debit card?

Yes, you can add your business name to the front of your Found business debit card.

Which apps can I connect to my Found account?

Found connects seamlessly with all your favorite banking and business tools. Quickly integrate with QuickBooks, Stripe, Cash App, PayPal, Square, Lyft, Uber, Venmo, Etsy, eBay, and more.

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

Absolutely! 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 to my Found account?

There are many ways to fund your account including:

  • Setting up direct deposit
  • Domestic wire transfers
  • Transfers from payment processors like Square & Stripe
  • Transfers from payment apps like Venmo, Paypall, Cash App and more
  • Cash Deposits available at over 79k retail locations nationwide.
  • Check deposits: If eligible, you can deposit a check directly in your Found app
  • Client Invoices: You can request payment from your clients directly using Found's invoicing feature

Read more about deposit options here.

How does Found automatically categorize expenses?

When you make a purchase with your Found card, the app will automatically suggest a category for your expense based on the merchant. For example, restaurants and coffee shops will often be automatically categorized as Business Meals, and you can edit the category any time.

Can Found help me identify relevant tax deductions and write-offs?

Yes. Every time you use your Found card for a business purchase, the details will be automatically recorded in your account. Instead of searching through old statements or looking for receipts, all of your expenses—and potential tax deductions—will be in one place and easy to spot.

Can I use the Found app to actually pay taxes too?

If you 1) file a Schedule C and 2) have an active Found Plus⁴ subscription then yes, you can! A few weeks before payments are due, Found customers will see an option in their Found account to make a tax payment. If you choose to pay your taxes through Found, we will use funds in your taxes account to send the appropriate payment to the IRS on your behalf.

Learn more about how to pay your taxes with Found here.

I currently use another accounting tool. Do Found’s bookkeeping tools work with other platforms?

Yes! Found connects seamlessly with a range of accounting, banking, and business tools. Quickly integrate with QuickBooks, Stripe, Cash App, PayPal, Square, Lyft, Uber, Venmo, eBay, and more.

How much does it cost to send invoices through Found?

It doesn't cost anything to send unlimited invoices through Found! All of Found's tools for creating, sending, and tracking invoices are all free as part of Found's core plan. Learn more.

What forms of payment can I accept with Found invoices?

When you send an invoice with Found, you choose which payment methods to offer your clients. Choose from credit card, debit card, Cash App Pay, and direct deposit.

How much does it cost to use Found contractor management?

Nothing! It’s completely free to use. Unlike other contractor management software, Found’s contractor tools have no monthly or per-contractor fees.