Found always processes deposits as soon as they are received, and your deposit will be available immediately unless held for review.
If you’re expecting a deposit that you haven’t received yet, we recommend taking these steps:
If you’re expecting a deposit via bank or wire transfer, double-check your deposit information to ensure that it’s being sent to your correct Found account and routing numbers.
You can access your Found account and routing numbers from the Primary pocket and Business Banking pages.
The timing of your deposit depends on when the sender initiates the payment to your Found account and the system they use to process it. If you are missing a deposit, please contact the sender to confirm when they initiated the deposit and how long they expect it to arrive.
Next, wait at least three business days to give the transfer time to process through the banking system. If your transfer still does not show up in your account, then get in touch. Make sure to include any relevant details about the transfer from the sender, including the amount and date sent in addition to any tracking details the sender can provide.
Found, like most banking systems, is affected by weekends, as well as federal and bank holidays. On these days, other banks cannot process deposits, which may delay the arrival of a direct deposit or wire transfer until the next day.
Still haven’t received your deposit? Reach out to our Customer Experience team and they’ll be happy to help you track this down. If you need assistance with an ACH or wire transfer, be sure to provide a trace number to get the ball rolling faster.
*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.