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ALL-IN-ONE BANKING
Banking that simplifies contractor management
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Found is the business banking platform that makes paying contractors, collecting W-9s, and filing 1099 forms feel effortless.
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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.
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.
Fast and free contractor management:
1
Pay with no per-contractor fees
Send 1099 payments via email, text, direct deposit, wires, or checks. No per-contractor fees.
2
Collect W9 forms
Request a contractor’s W-9 anytime or require it before they can accept payment.
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.
3
Download and file 1099-NECs
We’ll track payments and generate 1099 NECs for contractors you’ve paid $600 or more.
Fast and free contractor management:
1
Pay with no per-contractor fees
Send 1099 payments via email, text, direct deposit, wires, or checks. No per-contractor fees.
2
Collect W9 forms
Request a contractor’s W-9 anytime or require it before they can accept payment.
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.
3
Download and file 1099-NECs
We’ll track payments and generate 1099 NECs for contractors you’ve paid $600 or more.
Move and manage your money—all in one place
Found consolidates your back office into one seamless platform. Get paid, send payments, manage your cash flow, and stay ahead of tax season—right where you bank.
Banking
Payments and deposits flow directly into your Found account, with the estimated taxes set aside.
Contractor management
Send unlimited payments with no per-contractor fees and easily collect the tax forms you need.
Taxes
Found helps you identify tax-write-offs, lets you request W-9s, and auto-generates 1099 NECs at the end of the year.
Bookkeeping
Expenses and receipts are automatically tracked, organized, and categorized for you.
Banking
Payments and deposits flow directly into your Found account, with the estimated taxes set aside.
Taxes
Found helps you identify tax-write-offs, lets you request W-9s, and auto-generates 1099 NECs at the end of the year.
Contractor management
Send unlimited payments with no per-contractor fees and easily collect the tax forms you need.
Bookkeeping
Expenses and receipts are automatically tracked, organized, and categorized for you.
Bring order to your finances with Found at the core
Banking
Mastercard® business debit card²
Direct deposit
Check and cash deposits
Wires and check payments⁸
Contractor payments
Sub-accounts
Bookkeeping
Expense and income tracking
Custom rules and tags¹³
Receipt scanning
Invoicing
Import external transactions
Financial reports
Taxes
Automatic write-offs
Tax form generation
Tax estimates
Tax payments¹⁰
1099 form filing
Mileage tracking
Contractor management
Unlimited payments
No per-contractor fees
Flexible payment methods
Collect W-9s
Free 1099-NEC generation
Free 1099-NEC filing
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. ⁵Subject to eligibility requirements, applicable terms and conditions, and service fees. See Terms of Service and Lead Account Terms for more details. ¹⁰Tax payments are available for Found Plus subscribers ($19.99/month or $149.99/ year) who file a Schedule C.
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.
⁵Subject to eligibility requirements, applicable terms and conditions, and service fees. See Terms of Service and Lead Account Terms for more details.
⁸Domestic wire transfers are available for a fee. Read more.
¹⁰Tax payments are available for Found Plus subscribers ($19.99/month or $149.99/ year) who file a Schedule C.
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 ($19.99/month or $149.99/ year).
Found has truly revolutionized the way we do business!
They collect contractor W-9s before disburse payments and automatically generate 1099s. It’s been a life-saver.
Olivia J.
KARMA YOGA
Frequently Asked Questions
Sign up in as little as 5 minutes
Easy sign up
No credit check
No minimum balance
No maintenance fees
your business finances
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 $19.99/month or $149.99/year and Found Pro for $80/month or $720/year.
⁴Optional subscriptions to Found Plus for $19.99/month or $149.99/year or Found Pro for $80/month or $720/year. 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.
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.
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)
Terms of Service ・ Privacy Policy ・ Accessibility statement ・ © 2026 Found
Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.