BANKING FOR THE SELF-EMPLOYED
Your small business financial hub
Found has partnered with NerdWallet to provide an all-in-one financial platform for your business:
Business checking
Built-in bookkeeping
Contractor payments
Powerful tax tools
Integrated invoicing
Team cards
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©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.
©2026 Forbes Advisor. All Rights Reserved.
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.
©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.
©2026 Forbes Advisor. All Rights Reserved.
SPECIAL OFFER
Earn 2.0% APY on balances up to $20K*
*Customers who have signed up for an account after November 1, 2025 will earn a bonus equal to 2.0% Annual Percentage Yield (APY) on the portion of their account balance up to $20,000 for a given month only if they spend $5,000 in qualifying debit card transactions during the month and satisfy other eligibility requirements as described in the Card Spend Bonus Terms. No bonus will be earned on the portion of account balances over $20,000.
4.5
NerdWallet rating
FOUND ACCORDING TO NERDWALLET:
“Useful Tools for Self-Employed Workers”
Simplify self-employment taxes
Get tax estimates in real-time and automatically set money aside to cover quarterly taxes
Manage and pay contractors
Collect W-9s and pay contractors from your account. We’ll generate 1099-NECs at the end of the year
Send invoices
Access unlimited invoicing. Customize, schedule in advance, and send recurring invoices.
The all-in-one platform
for managing small business finances
Banking
Mastercard® business debit card²
Team cards with spend controls
Check and cash deposits⁵
Wires and check payments⁸
Contractor payments
Sub-accounts
Payments and deposits flow directly into your Found account, with the estimated taxes set aside.
Taxes
Automatic write-offs
Tax form generation
Tax estimates
Tax payments¹⁰
1099 form filing
Mileage tracking
Found handles the math and flags deductions, so you’re ready for tax time.
Bookkeeping
Expense and income tracking
Custom rules¹³ and tags
Receipt scanning
Invoicing
Import external transactions
Financial reports
Expenses and receipts are automatically tracked, organized, and categorized for you.
Contractor management
Unlimited payments
No per-contractor fees
Flexible payment methods
Collect W-9s
Free 1099-NEC generation
Free 1099-NEC filing
Send unlimited payments with no per-contractor fees and flexible payment options.
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 Found Fee Schedule.
¹⁰Tax payments are available for Found Plus subscribers (for $19.99/month or $149.99/year) and Found Pro subscribers (for $80/month or $720/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 (for $19.99/month or $149.99/year) and Found Pro (for $80/month or $720/year).
Banking
Mastercard® business debit card²
Team cards with spend controls
Check and cash deposits
Wires and check payments⁸
Contractor payments
Sub-accounts
Taxes
Automatic write-offs
Tax form generation
Tax estimates
Tax payments¹⁰
1099 form filing
Mileage tracking
The all-in-one platform
for managing small business finances
Banking
Mastercard® business debit card²
Team cards with spend controls
Check and cash deposits
Wires and check payments⁸
Contractor payments
Sub-accounts
Payments and deposits flow directly into your Found account, with the estimated taxes set aside.
Taxes
Expense and income tracking
Custom rules¹³ and tags
Receipt scanning
Invoicing
Import external transactions
Financial reports
Found handles the math and flags deductions, so you’re ready for tax time.
Bookkeeping
Automatic write-offs
Tax form generation
Tax estimates
Tax filing¹⁰
1099 form filing
Mileage tracking
Expenses and receipts are automatically tracked, organized, and categorized for you.
Contractor management
Unlimited payments
No per-contractor fees
Flexible payment methods
Collect W-9s
Free 1099-NEC generation
Free 1099-NEC filing
Send unlimited payments with no per-contractor fees and flexible payment options.
Bookkeeping
Expense and income tracking
Custom rules¹³ and tags
Receipt scanning
Invoicing
Import external transactions
Financial reports
Expenses and receipts are automatically tracked, organized, and categorized for you.
Contractor management
Unlimited payments
No per-contractor fees
Flexible payment methods
Collect W-9s
Free 1099-NEC generation
Free 1099-NEC filing
Send unlimited payments with no per-contractor fees and flexible payment options.
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 Found Fee Schedule.
¹⁰Tax payments are available for Found Plus subscribers (for $19.99/month or $149.99/year) and Found Pro subscribers (for $80/month or $720/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 (for $19.99/month or $149.99/year) and Found Pro (for $80/month or $720/year).
Over 750K small business owners have chosen Found
SEE WHY
4.8
App Store
over 29K ratings
4.7
Google Play
over 17K reviews
4.5
TrustPilot
over 1K reviews
"What used to take hours now takes me 45 minutes. I've kind of mastered it, so it's very quick. I can even do it from my phone."
Review by Carolina C.
TAILS N TRAILS
“It has been so helpful with keeping track of all the aspects of my business and it feels nice to have everything in one place. I would give Found a 10 out of 10.”
Review by Dominique J.
INFINITE GROWTH COUNSELING & COACHING, LLC
“I love how it takes taxes out immediately so I don't have to think about it. I'm a social worker, not a business major. So it takes all the guess work out of it.”
Review by Heather K.
LICENSED CLINICAL SOCIAL WORKER | HEADWAY
Frequently Asked Questions
Security
Data encryption and secure infrastructure
Two-factor authentication (2FA)
Comprehensive fraud monitoring
Sign up in as little as 5 minutes.
Easy sign up
No credit check
No minimum balance
No maintenance fees
your business finances
Found has partnered with NerdWallet to bring you this offer.
¹Found 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.
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 Found Fee Schedule.
¹⁰Tax payments are available for Found Plus subscribers (for $19.99/month or $149.99/year) and Found Pro subscribers (for $80/month or $720/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.
¹⁴Found Plus subscribers (for $19.99/month or $149.99/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.
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)
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Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.