All-In-One Banking
Sign inGet started
Sign inGet started
All About the W-9 Form

All About the W-9 Form

What is a W-9?

The W-9 is an IRS form commonly used by self-employed people. It enables businesses to collect tax information from anyone they pay who isn’t an employee, such as independent contractors or vendors. Businesses are required to report to the IRS how much they paid each contractor, and to do so, they need the information in the W-9 form.

Who needs a W-9?

Generally speaking, if you’re a freelancer, independent contractor, or non-employee working for a business, you’ll need a W-9. Your client, or the person or business paying you, is typically responsible for requesting a W-9 from you. Having your W-9 form means they can file a 1099 form to report how much they paid you and whether federal tax withholding is necessary on the payments you receive.

If you’re working with a sub-contractor that you’ll be paying, you’ll need to request a completed W-9 from them. It’s best practice to request a completed W-9 before you start working with a sub-contractor so you have all the information you need to be able to pay them and file a 1099 form at the end of the year.

What information is in the W-9?

You can access the official W-9 form from the IRS site here. The most important information in the W-9 is your Tax Identification Number which is either your SSN (Social Security Number) or your EIN (Employer Identification Number).

How can I send a W-9 to a client?

Because your W-9 includes sensitive information like your SSN or EIN, emailing it is risky. Instead, use a secure method to share it, such as sharing via your Found account. You can easily create and fill out a W-9 form in your Found account, then share it via a secure link. With Found, you can also manage and remove access to your W-9 at any time.

For more on the W-9 form, visit our resource center.

App icon cactus
All-in-one banking
for the self-employed


Have Questions?
Email our support team:
Follow Us

*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 Business 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.