How do I earn an APY bonus on my Found balance?

Found Plus³ subscribers are able to earn 1.5% APY on the total balance maintained in their account each month, up to $20,000.

Found Pro subscribers are able to earn 2.5% APY on their total balance, with no monthly limit.

Once you sign up for a paid plan³, Found will automatically start calculating your balance bonus based on your daily balances. Found Plus and Pro³ are paid subscription services, with monthly and annual plans.

How does Found calculate my balance bonus?

To calculate your APY, Found takes your end of day balance for each day that you were a paid Found Plus or Found Pro³ member. We average those totals and base your APY off of that average.

Keep in mind that only the days where you’re a paid plan member are eligible to be considered. This means that if you sign up for Found Plus on March 29, Found will consider your balances at the end of March 29, 30, and 31st when calculating your bonus.

When will I receive my balance bonus?

You’ll receive your balance bonus on the first of each month, which will appear on your account as “Balance bonus.”

One platform to manage
your business finances

Have Questions?

Email our support team:

help@found.com

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.

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 two optional paid products, Found Plus for $35/month or $315/year and Found Pro for $80/month or $720/year. Discount rates may apply.

⁴Optional subscriptions to Found Plus for $35/month or $315/year or Found Pro for $80/month or $720/year. Discount rates may apply. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read Found Fee Schedule.

⁶Direct deposit funds may be available for use for up to two days before the scheduled payment date. Early availability is not guaranteed.

⁷Found does not charge ATM fees, but some ATM providers may add their own fee.

⁸Domestic wire transfers are available for a fee. Read Found Fee Schedule.

⁹Transfer limits apply to instant debit card transfers and are subject to change. Read Found Fee Schedule.

¹⁰Tax payments are available for Found Plus subscribers (for $35/month or $315/year) and Found Pro subscribers (for $80/month or $720/year) who file a Schedule C.

¹²Payments can be sent for free between Found users or by bank transfer via text, email, or direct deposit. Domestic wire transfers are available for a fee. Read Found Fee Schedule.

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 (for $35/month or $315/year) and Found Pro (for $80/month or $720/year).

¹⁴Found Plus subscribers (for $35/month or $315/year) earn 1.5% APY on balances up to $20K. Found Pro subscribers (for $80/month or $720/year) earn 2.5% APY on all balances, with no cap.

¹⁸Found users are eligible for one free 30-day Found Plus or Found Pro trial. After the trial, users will be automatically charged for their selected plan: Found Plus at $35/month or $315/year or for Found Pro $80/month or $720/year.

¹⁹The metal card is an exclusive Found Pro benefit and is limited to one card per account. Users become eligible to order a metal card after completing the 30-day free trial and successfully being billed for a subscription of $80/month or $720/year.

¹⁷Cash Back Terms and Conditions apply.

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

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.

According to NerdWallet, Found is the Best Business Checking for Paying Contractors and Saving for Taxes. (Source)