RECOMMENDED BY
Smarter banking for your business
Built-in bookkeeping, invoicing, taxes, and financial tools.
Get started²The 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.
Get $125*
Claim offer*Earn $125 when you deposit $5,000 into your Found account within the first 30 days of account creation and maintain it for 30 days. Rewards are deposited into your Found account within 30 days of meeting the requirements. Terms apply.
Offer is valid for new customers only and expires 12/31/26. It is valid only when signing up through this page or using offer code NAV.
-
Online business banking:
Stay on top of your money anytime, anywhere.
-
Built-in bookkeeping:
Tax time just got easier with everything in one place.
-
No required hidden fees:
No minimum balance required, no opening, overdraft, or maintenance fees.⁴
-
Manage multiple businesses:
Create up to five business accounts under a single login.
-
4.8 App Store over 26K ratings
-
4.7 Google Play over 16K reviews
-
4.5 TrustPilot over 1K reviews
Best Business Checking for Paying Contractors and Saving for Taxes
March 2026
©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.
One app that does it all
-
Smart banking
- Mastercard® business debit card²
- Direct deposit
- Check and cash deposits⁵
- Wires and check payments
- Contractor payments
- Sub-accounts
-
Integrated bookkeeping
- Expense and income tracking
- Custom rules and tags
- Receipt scanning
- Invoicing
- Import external accounts
- Financial reports
-
Advanced tax tools
- Automatic write-offs
- Tax form generation
- Tax estimates
- Tax filing¹⁰
- 1099 form filing
- Mileage tracking
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.
More than 3 million expenses categorized—and counting
Bookkeeping on autopilot
Meet your new assistant
Powered by AI and available 24/7
-
Ask any question, any time
“What’s my income this month?”
-
Delegate time-consuming tasks
“Create an invoice to send to Sarah”
-
Stay tax-ready
“How much have I set aside for taxes?”
See why over 700K business owners have chosen Found
-
User friendly.
Extremely user friendly and for the most part runs like a consolidated Quickbooks, but doesn't cost you a bunch of money.
-
Automation.
I have never seen an app for freelancers, contractors, and business owners that has everything they need with such automation.
-
No downtime.
Was just astonished at how easy it was to integrate into my daily life with no real downtime in learning the app's ins and outs!
-
Great app.
Great app for business owners who have a sole-ownership LLC, a sole proprietorship, or are a freelancer. Pretty much does your taxes for you.
-
Very easy.
It was very easy. We just put in all the relevant information and had an account opened up so quickly.
-
Brilliant.
Finally, business banking with accounting software built in. I no longer need Quickbooks. It even does the schedule C for you. Brilliant.
-
Everything in one platform.
Found has been a godsend for me and our business - it pretty much does everything.
-
Just makes sense.
Having banking, invoicing, and bookkeeping all in one app just makes sense, and Found is the only one doing it all correctly.
-
True quality banking.
Amazing!! Banking services, invoicing, Stripe connection. Excellent interface. Automatic tax deductions. True quality banking.
-
Seamless.
Love the automatic tax separation from income, and the invoice and payment features have made running a small business seamless for me.
-
So much easier.
Found is going to save me so much headache. It makes EVERYTHING so much easier. Expenses, income, profits, TAXES. Invoices even!
-
A blessing.
As a small business owner, Found has been a blessing. I can focus on my customers and my business and not worry about banking problems.
-
Automate and calculate.
Helps you automate and calculate a lot of things you'd have to do yourself before, giving you more time to focus on other aspects that matter.
-
Take all the guesswork out.
Found and this app take all the guesswork out of owning your own business!
Banking with confidence
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.
-
Data encryption and secure infrastructure
-
Two-factor authentication (2FA)
-
Comprehensive fraud monitoring
Frequently Asked Questions
Who is Found for?
Found is designed specifically to help small business owners with their finances.
Our customers come from a variety of sectors—from professional and physical services to e-commerce and beyond—and operate under a variety of business types, including sole proprietorships, single and multi-member LLCs, S-Corps, and C-Corps. Whether you are just starting out or an established business, Found can help you streamline your banking and bookkeeping through a single platform.
Learn more here to see if Found could be a good fit for your business.
Why do I need a business checking account?
As a small business owner, it can be hard to keep track of your business when your personal and business finances are combined in one account. It can also make paying taxes even more confusing. With a business checking account like Found, you can keep your business and personal finances separate and organized, so you know exactly what’s going on with your business.
Will my Found account have a routing number?
Yes, your Found account comes with its own account and routing numbers.
Where can I use my Found debit card?
Use your Mastercard® Business debit card² anywhere Mastercard® is accepted, including for online and international transactions.
Can I add my business name to my Found debit card?
Yes, you can add your business name to the front of your Found business debit card.
Which apps can I connect to my Found account?
Found connects seamlessly with all your favorite banking and business tools. Quickly integrate with QuickBooks, Stripe, Cash App, PayPal, Square, Lyft, Uber, Venmo, Etsy, eBay, and more.
Can I link my Found card to Apple Pay or Google Pay?
Absolutely! Found is compatible with both Apple Pay and Google Pay, and you can link your virtual card before your Found card arrives in the mail.
How can I fund to my Found account?
There are many ways to fund your account including:
- Setting up direct deposit
- Domestic wire transfers
- Transfers from payment processors like Square & Stripe
- Transfers from payment apps like Venmo, Paypall, Cash App and more
- Cash Deposits available at over 79k retail locations nationwide.
- Check deposits: If eligible, you can deposit a check directly in your Found app
- Client Invoices: You can request payment from your clients directly using Found's invoicing feature
Read more about deposit options here.
How does Found automatically categorize expenses?
When you make a purchase with your Found card, the app will automatically suggest a category for your expense based on the merchant. For example, restaurants and coffee shops will often be automatically categorized as Business Meals, and you can edit the category any time.
Can Found help me identify relevant tax deductions and write-offs?
Yes. Every time you use your Found card for a business purchase, the details will be automatically recorded in your account. Instead of searching through old statements or looking for receipts, all of your expenses—and potential tax deductions—will be in one place and easy to spot.
Can I use the Found app to actually pay taxes too?
If you 1) file a Schedule C and 2) have an active Found Plus⁴ subscription then yes, you can! A few weeks before payments are due, Found customers will see an option in their Found account to make a tax payment. If you choose to pay your taxes through Found, we will use funds in your taxes account to send the appropriate payment to the IRS on your behalf.
Learn more about how to pay your taxes with Found here.
I currently use another accounting tool. Do Found’s bookkeeping tools work with other platforms?
Yes! Found connects seamlessly with a range of accounting, banking, and business tools. Quickly integrate with QuickBooks, Stripe, Cash App, PayPal, Square, Lyft, Uber, Venmo, eBay, and more.
How much does it cost to send invoices through Found?
It doesn't cost anything to send unlimited invoices through Found! All of Found's tools for creating, sending, and tracking invoices are all free as part of Found's core plan. Learn more.
What forms of payment can I accept with Found invoices?
When you send an invoice with Found, you choose which payment methods to offer your clients. Choose from credit card, debit card, Cash App Pay, and direct deposit.
How much does it cost to use Found contractor management?
Nothing! It’s completely free to use. Unlike other contractor management software, Found’s contractor tools have no monthly or per-contractor fees.
Sign up in as little as 5 minutes.
- Easy sign up
-
No credit check
-
No minimum balance
-
No maintenance fees
Scan to download the Found app.
Found is available on iOS, Android, and desktop.