BANKING, BOOKKEEPING, AND TAXES — IN ONE APP
Found vs. Novo
Discover how Found compares to Novo, another small business banking platform.
Get started for free
See how Found stacks up against Novo
Found's standard plan includes more built-in tools — especially for bookkeeping, taxes, and contractor management — without any required monthly fees⁴.
| Feature | FOUND | NOVO BASIC |
|---|---|---|
| Required monthly fees⁴ | $0 | $0 |
| Business checking account |  | |
| Business debit card | Found Business debit Mastercard | Novo Business debit Mastercard |
| Sub-accounts | Pockets with dedicated account numbers | Reserves, no dedicated account numbers |
| No required minimum balance | | |
| Expense categorization | | |
| Invoicing | Unlimited | Unlimited |
| Business reports | | |
| Real-time tax estimates | For Schedule C filers | Not available |
| Tax form generation | Schedule C, Form 1120/1120-S | Not available |
| 1099 contractor payments | No per-contractor fees | Not available |
| 1099-NEC filing | W-9 collection, 1099 generation | Not available |
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.
Over 750K small business owners have chosen Found
SEE WHY
-
“What used to take hours now takes me 45 minutes. I've kind of mastered it, so it's very quick. I can even do it from my phone.”
-
“It has been so helpful with keeping track of all the aspects of my business and it feels nice to have everything in one place. I would give Found a 10 out of 10.”
-
“I love how it takes taxes out immediately so I don't have to think about it. I'm a social worker, not a business major. So it takes all the guess work out of it.”
Business banking—and so much more.
Found is banking with benefits. Business checking plus smart, simple financial tools that help you save time and money.
-
Found debit Mastercard®
Use your card online, in-store, and in your digital wallet.
-
No required hidden fees⁴
No monthly maintenance fees⁴. No minimum balance or credit check.
-
Get paid faster
Pay day comes up to 2 days⁶ earlier with direct deposit into your account.
-
Safe and secure
Data encryption, secure infrastructure, and fraud monitoring keep your money and data safe.
-
Keep everything in one place
Stay organized with banking, expense tracking, mileage tracking, and taxes all in one app.
-
Expense tracking done for you
Found tracks expenses automatically, simplifying bookkeeping.
-
Easily track mileage
Keep tabs on your driving, log trips, and calculate deductions right from the Found app.
-
Capture and save receipts
Never lose track of another receipt with receipt capture and notes built right into the app.
-
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
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
Get started-
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 every qualifying card purchase¹⁷ 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.
Frequently Asked Questions
Who is Found for?
Found is designed specifically to help small business owners manage their finances. Our customers span professional services, physical services, e-commerce, and more, and include sole proprietorships, LLCs, S-Corps, and C-Corps. Whether you are just starting out or running an established business, Found can streamline your banking, bookkeeping, and taxes through a single platform. Learn more here to see if Found could be a good fit for your business.
Does Found have required monthly fees?
Found's core plan — including banking, bookkeeping, tax tools, invoicing, and contractor management — does not have any required monthly fees⁴ or minimum balance. For those who want more, our optional paid subscriptions Found Plus ⁴and Found Pro⁴ unlock perks like APY on your balance, advanced bookkeeping tools, and more.
How is Found different from Novo?
While both offer business checking without required monthly fees⁴, Novo relies on third-party integrations for many of its non-banking features, while Found has built these tools into its product. With Found, you’ll also get sub-accounts with dedicated account numbers, making it easier to manage cash for different business needs.
How is Found different from traditional bookkeeping software like QuickBooks?
Found combines banking and bookkeeping in one app, automatically tracking transactions as they happen. No importing, syncing, or complexity—just real-time insights and automated tax calculations at a fraction of the cost. Learn how to switch to Found from QuickBooks.
How do Found's tax tools work?
Found automatically categorizes your expenses, calculates your estimated taxes in real time, and sets aside money so you're ready for quarterly payments. Depending on your business structure, Found can also generate Schedule C, 1120, or 1120-S forms.
Will Found help me collect and track W-9 forms?
Yes. You have two options for requesting W-9 information from your 1099 contractors. We can prompt them to fill out their W-9 when they accept a payment from you, ensuring they provide the information before getting paid. This streamlines the onboarding process and integrates it with something contractors are eager to do—get paid.
You can also request their W-9 details separately and send follow-up reminders. Their details will be saved, ensuring you have what you need to issue their year-end 1099. Learn more here.
How does Found help me generate, share, and file 1099-NECs?
At the end of the tax year, Found will create your 1099-NEC forms based on all tracked payments of $2,000 or more. You can then easily share a copy with your contractors and even e-file these forms via the Found app, for free. Learn more here.
How do I switch from my current bank to Found?
Sign up online in as little as five minutes. Once your Found account is open, you can transfer your balance from your current bank, link income sources and update card info, and start using Found's built-in bookkeeping and tax tools right away. Learn more here.
Ready to switch from Novo?
Join over 750,000 business owners who chose Found for all-in-one banking, bookkeeping, and taxes.