Last verified: April 21, 2026. Features, pricing, and availability may vary. Always confirm current details directly with each provider.
Choosing a business bank account in 2026 isn't one decision — it's a set of tradeoffs between features, fees, APY, integrations, and whether you need physical branches. We compared 10 business banking options across the categories that actually matter for small business owners: pricing, banking features, bookkeeping and tax tools, contractor management, invoicing, team controls, and support.
Found is a financial technology company, not a bank. Banking services provided by Lead Bank, Member FDIC.
Each of the 10 business banking options below is a strong fit for a specific use case. Here's how we'd match them to common small business needs:
Want banking, bookkeeping, and tax tools in one place: Found — Best for built-in bookkeeping and quarterly tax automation for self-employed and small business owners.
Want to earn interest on your checking balance: Bluevine — Best for earning yield on checking balances (eligible accounts).
Want a straightforward, no-monthly-fee account with no tiers: Novo — Best for simple, single-tier online business banking.
Run multiple projects or revenue streams and need separate pots: Relay — Best for Profit First budgeting and multi-account allocation.
Run a tech startup or VC-backed business: Mercury — Best for tech startups and companies with treasury needs.
Prefer a mobile-first experience as a solo operator: Lili — Best mobile-first option for freelancers and solo operators.
Want clear envelope-style budgeting with allocations: NorthOne — Best for flexible budgeting with envelope-style sub-accounts.
Need physical branches and in-person banking services: Chase Business Complete Banking — Best traditional banking option with branch access.
Need to regularly deposit cash: Bank of America Business Advantage — Best for businesses that deposit cash regularly.
Already have a strong Amex card relationship: American Express Business Checking — Best for earning rewards on debit spend.
We compared each provider's free or lowest-paid tier (we call this the 'entry tier' throughout this article — some providers have a free tier, others charge a waivable monthly fee on their base plan) against Found's free plan, each provider's mid tier against Found Plus4, and each provider's premium tier against Found Pro4 — always matching the same tier level across brands so the comparison is apples-to-apples. For each provider we verified monthly cost, minimum balance requirements, APY (if any), included banking features, built-in bookkeeping and tax tools, contractor management capabilities, invoicing, multi-user support, and whether physical branches are available. Every claim in this article is sourced against the provider's own pricing and product pages as of the date at the top of this article. We update this article monthly and note the last-verified date on every publish.
Found is the only banking platform that bundles automated bookkeeping, real-time tax estimates, Schedule C generation, and free contractor 1099-NEC e-filing into a business checking account — with no monthly account maintenance fees on any plan4. Every plan — including the free plan — includes a business checking account, a Mastercard Business debit card², automated expense categorization, unlimited invoicing, real-time tax estimates, a tax savings bucket, auto-generated Schedule C (the IRS tax form filed by sole proprietors and single-member LLCs taxed as sole proprietorships to report business income) for Schedule C filers, and up to 8 Pockets (sub-accounts with virtual account numbers).
Contractor management and 1099-NEC e-filing are uniquely included at no extra cost. Every Found plan supports W-9 collection, ACH contractor payments, free instant payments between Found users¹², and unlimited 1099-NEC e-filing at year-end. Most providers in this article require a separate contractor-payment service (for example, Gusto Contractor Only, typically ~$6/month base plus per-contractor fees) to match this.Found Plus4 ($35/month or $315/year)3 adds 1.50% Annual Percentage Yield (APY) on balances up to $20,00014 — up to 2.00% APY on balances up to $20,000 (for customers who signed up after November 1, 2025, with $5,000 or more in monthly qualifying debit card spend; variable)16 — plus in-app quarterly tax payments for Schedule C filers¹⁰ and priority support¹⁵. Unlike most competitors in this article, Found's APY applies to your primary account balance (not a separate savings account): Found Plus4 earns 1.50% Annual Percentage Yield (APY) on balances up to $20,000 across your entire account (no need to move funds between pockets to maximize yield). Found Pro4 ($80/month or $720/year)3 earns 2.50% APY on all balances with no cap (variable)¹⁴, includes a Metal Mastercard¹⁹, a dedicated account manager¹⁵, and 1% cash back on qualifying purchases¹⁷ (exclusions apply for ATM withdrawals, person-to-person transfers, and cash equivalents).
Who it's best for: freelancers, sole proprietors, single-member LLCs, and small businesses who file a Schedule C and want their banking, bookkeeping, and quarterly taxes handled in one app.
Best for: built-in bookkeeping and tax automation.
Bluevine's free Standard tier offers a business checking account with a Bluevine Business Debit Mastercard® and 1.30% Annual Percentage Yield (APY) on balances up to $250,000 (variable, eligibility required). FDIC insurance is provided through Coastal Community Bank, Member FDIC, and program banks in Bluevine's sweep network; FDIC coverage only protects against failure of an FDIC-insured depository institution†. Bluevine Plus ($30/month, waivable§) pays 1.75% APY and Bluevine Premier ($95/month, waivable§) pays 3.00% APY on all balances.
Bluevine does not include built-in bookkeeping or tax tools — customers typically connect to Xero or similar accounting software. Sub-accounts and multiple team members are supported.
Who it's best for: small business owners whose primary goal is earning yield on their operating cash and who already have a separate bookkeeping workflow.
Best for: earning interest on checking balances.
Novo offers one tier with no monthly fees and no minimum balance requirement. The account includes a Mastercard debit card, Novo Reserves (a sub-account feature for setting aside money), unlimited free Novo Invoices, and Novo's AI-powered bookkeeping with automatic transaction categorization, P&L reports, and tax-friendly categories that export for Schedule C prep. Novo does not pay APY on checking balances. Banking services are provided by Middlesex Federal Savings, F.A., Member FDIC†.
Novo integrates broadly with QuickBooks, Stripe, Square, Shopify, Etsy, and Amazon.
Who it's best for: small business owners who want a no-monthly-fee, straightforward online checking account with light automated bookkeeping and broad e-commerce integrations.
Best for: no-monthly-fee online banking with automated categorization.
Relay's free Starter tier lets customers open up to 20 individual checking accounts and issue up to 50 virtual and plastic Relay Visa® debit cards per cardholder per account — useful for allocating money by purpose (taxes, payroll, operating expenses) in a Profit First style. Relay's savings accounts earn tiered APY based on plan: Starter earns 0.91% APY on all savings account balances (variable); Grow ($30/month) earns 1.55% APY on all savings account balances (variable) plus adds multi-step approval rules; Scale ($120/month, or $90/month on the annual plan) earns 2.68% APY on all savings account balances (variable) and supports up to 50 checking accounts. APY is variable and subject to change; APY applies to Relay savings account balances only, not checking. Scale adds features like higher transaction limits and same-day ACH.
Relay integrates with QuickBooks Online, Xero, Gusto, Plaid, and Yodlee. Relay is a financial technology company, not an FDIC-insured bank; banking services are provided through Thread Bank, Member FDIC.
Who it's best for: businesses that want to run a Profit First or similar multi-bucket cash flow system and need granular allocation across many checking accounts.
Best for: Profit First budgeting and multi-account allocation.
Mercury is a banking platform designed for technology startups and VC-backed businesses. The free tier includes a business checking account and a Mastercard debit card. Mercury is a financial technology company, not an FDIC-insured bank — banking services are provided through Choice Financial Group and Column N.A., Members FDIC. Mercury Treasury is designed to earn yield on idle cash up to 3.65% annually (yield as of March 2026, based on the 30-day SEC yield for MULSX and assumes total Mercury deposits of $20M+; see Mercury for current rates) and requires a minimum $250,000 balance across all Mercury accounts. Treasury accounts are not FDIC-insured. Paid plans start at $29.90/month.
Mercury does not include built-in bookkeeping; customers typically connect to QuickBooks, Xero, or NetSuite.
Who it's best for: venture-funded startups and tech companies that need treasury, corporate card, and integrations with accounting platforms.
Best for: tech startups and companies with treasury needs.
Lili offers four tiers for freelancers and solo business owners: Lili Core ($0/month), Lili Pro ($15/month), Lili Smart ($35/month), and Lili Premium ($55/month). All tiers include a business checking account, a Lili Visa® Debit Card, and access to the Lili Savings Account, which earns 2.25% APY on Lili Savings Account balances up to $500,000, and 4.00% APY on the portion of balances between $500,000 and $1,000,000 (tiered structure: customers earn 2.25% on the first $500K and 4.00% on the portion from $500K to $1M; balances above $1M do not earn APY). APY is variable and subject to change; rates as of January 2026 — see Lili for current rates. Lili is a financial technology company, not a bank; banking services are provided by Sunrise Banks, N.A., Member FDIC†. Pro adds expense and tax management; Smart and Premium add Lili AI predictive transaction categorization, P&L and cash flow reports, and unlimited invoicing with reminders and payment acceptance.
Lili's interface is built for mobile-first use and emphasizes simplicity over customization or complex multi-account setups.
Who it's best for: solo freelancers who primarily manage their business from a phone and want progressive expense, tax, and bookkeeping tools as they grow.
Best for: mobile-first freelancers and solo operators.
NorthOne offers two tiers: NorthOne Standard ($0/month) and NorthOne Plus ($30/month). Both tiers include a North One Mastercard® Small Business Debit Card and unlimited Envelopes — sub-accounts with allocation rules. Fee-free ATM withdrawals are available through the 55,000+ Allpoint network. Standard earns up to 2.50% APY on eligible balances (variable; subject to NorthOne's published eligibility criteria — see NorthOne for current rates and eligibility terms); Plus earns up to 3.00% APY on eligible balances (variable; tiered eligibility — see NorthOne for current rates and eligibility terms) and adds 1% cash back and no monthly subscription fees (transactional fees for wires, instant transfers, and ATM apply — see each provider's fee schedule). It integrates with QuickBooks Online, Xero, and several payroll and e-commerce tools. NorthOne is a financial technology company, not a bank (NorthOne is not FDIC-insured); banking services are provided by The Bancorp Bank, N.A., Member FDIC†.
NorthOne does not include native bookkeeping or tax tools.
Who it's best for: small business owners who want envelope-style budgeting to separate money by purpose (taxes, payroll, rent) and integrations with their existing accounting and payroll tools.
Best for: envelope-style budgeting.
Chase Business Complete Banking® has a $15 monthly service fee, waivable by maintaining a $2,000 minimum daily balance, receiving $2,000 in Chase QuickAccept® deposits, or spending $2,000 in eligible Chase Ink® Business or Chase Sapphire Reserve for Business® card purchases in a statement cycle (see Chase's Business Complete Banking fee schedule at chase.com/business/banking/business-complete-banking for current waiver terms)
Chase does not include built-in bookkeeping or tax tools. Multi-user access is available through Chase Connect.
Who it's best for: businesses that need physical branch access, accept cash or checks regularly, or prefer a traditional banking relationship.
Best for: traditional banking with physical branch access.
No monthly service fee is charged for the first 12 statement cycles (transactional fees for wires, non-network ATMs, and other services still apply per the Bank of America business fee schedule). The account includes free cash deposits up to $7,500 per statement cycle and access to 16,900+ Bank of America ATMs. Bank of America, N.A. is Member FDIC†.
Bank of America does not include built-in bookkeeping or tax tools but offers Zelle for business, CashPro for multi-user access, and integrations with QuickBooks.
Who it's best for: small businesses that regularly deposit cash, need a wide branch and ATM network, or want to consolidate personal and business banking at a traditional bank.
Best for: businesses that deposit cash regularly.
American Express® Business Checking has no monthly maintenance fee, no minimum opening deposit, and no minimum balance requirement. It pays 1.30% Annual Percentage Yield on account balances up to $500,000 (no interest is earned on balances above $500,000; APY is subject to change at any time without notice, per American Express National Bank's Business Checking Rates & Fees) and earns 1 Membership Rewards® point for every $2 spent on eligible Business Debit Card purchases. The account includes access to 37,000+ MoneyPass® ATMs at no cost and FDIC insurance via American Express National Bank, Member FDIC. New users may be eligible for a welcome offer after meeting qualifying criteria.
American Express Business Checking does not include built-in bookkeeping or tax tools and is designed for businesses already within the American Express ecosystem.
Who it's best for: businesses with an existing American Express Business Card who want to earn rewards on debit-card spending in addition to card spend.
Best for: earning rewards on debit-card spend.
This table compares each provider's free or entry-tier offering. See required disclaimers below the table.
Provider | Required monthly fees | APY | Bookkeeping | Tax tools | Contractor mgmt + 1099 e-file | Physical branches |
|---|---|---|---|---|---|---|
Found¹ (free) | $0 | Up to 2.00% APY on balances up to $20,000 for customers who signed up after November 1, 2025, with $5K+ monthly qualifying spend (variable)16 | Yes (automated categorization + P&L) | Yes (tax estimates + tax savings bucket + auto-generated Schedule C form for Schedule C filers) | Included (W-9 + ACH + 1099-NEC e-file) | No |
Bluevine (Standard) | $0 | 1.30% APY up to $250K (eligible)* | No (QB integration) | No | No | No |
Novo | $0 | — | AI categorization + P&L reports | No | No | No |
Relay (Starter) | $0 | 0.91% APY on savings (variable)* | No (QB/Xero integrations) | No | No | No |
Mercury (free) | $0 | Up to 3.65% via Treasury‡ (not FDIC-insured; $250K min) | No (QB/Xero/NetSuite) | No | No | No |
Lili (Core) | $0 | Up to 4.00% APY on savings (tiered)* | Lili AI (Smart/Premium only) | Tax savings bucket (Pro+) | No | No |
NorthOne (Standard) | $0 | Up to 2.50% APY (variable)* | No (QB/Xero integrations) | No | No | No |
Chase Business Complete | $15/mo (waivable§) | — | No | No | No | Yes (5,000+ branches, 14,000+ ATMs) |
BofA Business Advantage | $16/mo (waivable§) | — | Cash Flow Monitor only | No | No | Yes (16,900+ ATMs) |
Amex Business Checking | $0 | 1.30% APY on account balances up to $500,000 (no interest is earned on balances above $500,000; APY is subject to change at any time without notice, per American Express National Bank's Business Checking Rates & Fees)* | No (QB/Xero integrations) | No | No | No |
1 Found is a financial technology company, not a bank. Banking services provided by Lead Bank, Member FDIC. Deposits FDIC-insured up to $250,000 per depositor.
2 The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license by Mastercard International.
3 Found's core features are free. Found also offers two optional paid products, Found Plus for $35/month or $315/year and Found Pro for $80/month or $720/year. Discount rates may apply.
4 Optional subscriptions to Found Plus for $35/month or $315/year or Found Pro for $80/month or $720/year. Discount rates may apply. There are no monthly account maintenance fees on the Found free plan, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read Found Fee Schedule.
10 Tax payments are available for Found Plus subscribers (for $35/month or $315/year) and Found Pro subscribers (for $80/month or $720/year) who file a Schedule C.
12 Payments 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 (see Found Fee Schedule).
14 Found Plus subscribers (for $35/month or $315/year) earn 1.50% Annual Percentage Yield (APY) on balances up to $20,000. Found Pro subscribers (for $80/month or $720/year) earn 2.50% APY on all balances, with no cap. APY is variable and subject to change.
15 Priority customer support is available to Found Plus (for $35/month or $315/year) and Found Pro subscribers (for $80/month or $720/year). A dedicated account manager is available to Found Pro subscribers only.
16 Customers who signed up for an account after November 1, 2025 earn a bonus equal to 2.00% 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 described in the Card Spend Bonus Terms.
17 Cash Back Terms and Conditions apply. Cash back on qualifying purchases only; exclusions apply for ATM withdrawals, person-to-person transfers, and cash equivalents.
19 The metal card is an exclusive Found Pro benefit and is limited to one card per account.
* APY is variable and subject to change. Eligibility requirements and activity thresholds apply. See each provider's terms for current rates and conditions: Bluevine (bluevine.com/business-checking/plans-and-pricing), Novo (novo.co/business-banking), Relay (relayfi.com/pricing), Mercury (mercury.com/pricing), Lili (lili.co/plans), NorthOne (northone.com), Chase (chase.com/business/banking/business-complete-banking), Bank of America (bankofamerica.com/smallbusiness/deposits), American Express Business Checking (americanexpress.com/en-us/business/banking). § Waiver conditions for providers with waivable monthly fees (see § marker next to each waivable fee in the summary table above): Chase Business Complete Banking — waivable with $2,000 minimum daily balance, OR $2,000+ in Chase QuickAccept deposits, OR $2,000+ in Chase Ink Business or Chase Sapphire Reserve for Business purchases per statement cycle. Bank of America Business Advantage Fundamentals — no fee first 12 statement cycles; thereafter waivable with $2,500 minimum daily balance, OR $5,000+ combined average monthly balance, OR $250+ in qualifying net debit-card purchases per statement cycle. Bluevine Plus ($30/month) and Premier ($95/month) — waivable with deposit and spend thresholds per Bluevine's pricing page.
‡ Mercury Treasury is not a bank account and is not FDIC-insured. Treasury is a cash management product that invests in money market funds; yield varies and principal is not guaranteed. Minimum $250,000 balance across all Mercury accounts required.
Most providers in this comparison offer a business checking account only — bookkeeping, contractor payments, 1099 e-filing, and tax tools are separate products you'd add through integrations. Found bundles these into its free plan at $0/month. For a small business owner who wants automated bookkeeping, invoicing, and the ability to pay contractors and file 1099-NECs, here's what a comparable stack looks like:
Stack | Business checking | Bookkeeping | Contractor payments + 1099 e-file | Required monthly fees |
|---|---|---|---|---|
Found (free plan)¹ | Included | Included (automated, Schedule C) | Included (W-9, ACH, 1099-NEC e-file) | $0 |
Bluevine Standard + QuickBooks + Gusto | Bluevine Standard ($0) | QuickBooks Simple Start (~$35) | Gusto Contractor Only (~$6 base + per-contractor fees) | ~$41+ / month |
Relay Starter + Xero + Gusto | Relay Starter ($0) | Xero (~$15–$20) | Gusto Contractor Only (~$6 base + per-contractor fees) | ~$21+ / month |
Chase Business Complete + QuickBooks + Gusto | Chase Business Complete ($15) | QuickBooks Simple Start (~$35) | Gusto Contractor Only (~$6 base + per-contractor fees) | ~$56+ / month |
¹ Found is a financial technology company, not a bank. Banking services provided by Lead Bank, Member FDIC. Found's free plan includes a business checking account, Mastercard Business debit card², automated bookkeeping, unlimited invoicing, contractor W-9 collection and 1099-NEC e-filing, up to 8 Pockets, real-time tax estimates, a tax savings bucket, and auto-generated Schedule C. 2 The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license by Mastercard International. *** Competitor Pricing Sources ***:Competitor pricing above is drawn from each provider's public pricing page and third-party pricing as of 2026-04-22:• Bluevine: bluevine.com/business-checking/plans-and-pricing• Novo: novo.co/business-banking• Relay: relayfi.com/pricing• Mercury: mercury.com/pricing• Lili: lili.co/plans• NorthOne: northone.com• Chase: chase.com/business/banking/business-complete-banking• Bank of America: bankofamerica.com/smallbusiness/deposits• American Express: americanexpress.com/en-us/business/banking• QuickBooks Simple Start: quickbooks.intuit.com/pricing• Xero: xero.com/us/pricing-plans• Gusto Contractor Only: gusto.com/product/payroll/contractorsCompetitor features, pricing, and availability may change at any time. Always confirm current details directly with each provider.
If you don't currently have a bookkeeping workflow, choosing a provider with native bookkeeping (Found, Lili) can eliminate the need for separate accounting software. If you already use QuickBooks, Xero, or a bookkeeper, most providers offer integrations — and your choice can focus on banking features instead.
If yes, a traditional bank with branches (Chase, Bank of America) will usually be more practical. Online-first providers either don't support cash deposits or route them through partner ATM networks that charge fees.
If you keep meaningful cash in the business, compare APY structures at the same tier. Bluevine and Amex pay APY on eligible checking balances; Mercury offers higher yield via Treasury; Found Plus4 pays 1.50% APY on balances up to $20,00014 — up to 2.00% APY on balances up to $20,000 (for customers who signed up after November 1, 2025, with $5,000+ monthly qualifying debit card spend; variable)16 — and Found Pro4 pays 2.50% APY on all balances with no cap¹⁴ (all variable). Always read the activity requirements — many checking APYs require monthly spend minimums.
If you run a Profit First or envelope-style cash management system, Relay and NorthOne are built around this. Found offers up to 8 Pockets with virtual account numbers. Novo has Reserves. Traditional banks typically don't support this natively.
If yes, Found includes contractor W-9 collection, ACH payments, and 1099-NEC e-filing in every plan at no extra charge. Most other providers require a separate contractor payments service (often an add-on cost starting at ~$6/month base, plus per-contractor fees (see Gusto's pricing at gusto.com/product/payroll/contractors for current rates)).
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.
Each provider in this article serves different needs. For a self-employed person who files a Schedule C and wants built-in tax estimation and in-app quarterly tax payments, Found Plus4 ($35/month or $315/year) includes these features. Other options in this article are better-suited to different priorities — see the TL;DR section above.
LLC owners have many of the same needs as sole proprietors (Schedule C filers) plus some additional ones — multi-member LLCs need shared access, and single-member LLCs taxed as corporations may need different tax support. We'll publish a dedicated 'Best business bank accounts for LLCs' article covering those tradeoffs in detail.
Several do, subject to eligibility and terms. Bluevine's Standard tier pays 1.30% APY on balances up to $250,000 with eligibility requirements (see Bluevine's Business Checking eligibility terms at bluevine.com/business-checking for current criteria) (Plus and Premier pay 1.75% and 3.00% respectively). Amex Business Checking pays 1.30% APY on account balances up to $500,000 (no interest is earned above $500,000; variable). Mercury Treasury earns up to 3.65% annually (yield as of March 2026; see Mercury for current rates), but requires a $250,000 minimum balance across all Mercury accounts‡. Relay, Lili, and NorthOne pay APY on separate savings accounts (Relay 0.91%–2.68%, Lili 2.25%–4.00% tiered, NorthOne 2.50%–3.00%). Found is structured differently: APY applies to your primary account balance, not a separate savings account. Found Plus4 ($35/month or $315/year) pays 1.50% Annual Percentage Yield (APY) on balances up to $20,00014 — up to 2.00% APY on balances up to $20,000 (for customers who signed up after November 1, 2025, with $5,000+ monthly qualifying debit card spend; variable)16 — and Found Pro4 ($80/month or $720/year) pays 2.50% APY on all balances with no cap¹⁴. APY is variable — confirm current rates with each provider.
Chase Business Complete Banking and Bank of America Business Advantage accept cash deposits at their branches and ATMs. Online-first providers (Found, Novo, Relay, Bluevine, Mercury, Lili, NorthOne, Amex Business Checking) do not accept cash deposits directly. Some partner with retail networks or prepaid card programs for cash loading, which typically carry per-deposit fees.
We re-verify every claim against each provider's pricing and product pages on the first of every month, and update the article when pricing, APY, or feature availability changes. The 'Last verified' date at the top of the article reflects the most recent review.
¹ 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.
² The Found Mastercard Business debit card is issued by Lead Bank pursuant to a license by Mastercard International.
³ Found's core features are free. Found also offers two optional paid products, Found Plus for $35/month or $315/year and Found Pro for $80/month or $720/year. Discount rates may apply.
⁴ Optional subscriptions to Found Plus for $35/month or $315/year or Found Pro for $80/month or $720/year. Discount rates may apply. There are no monthly account maintenance fees on the Found free plan, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read Found Fee Schedule.
⁵ Subject to eligibility requirements, applicable terms and conditions, and service fees. See Terms of Service and Lead Account Terms for more details.
¹⁰ Tax payments are available for Found Plus subscribers (for $35/month or $315/year) and Found Pro subscribers (for $80/month or $720/year) who file a Schedule C.
¹² Payments between Found users are free and transfer instantly. Other fees such as transactional fees for wires, instant transfers, and ATM apply — see Found Fee Schedule.
¹⁴ Found Plus subscribers (for $35/month or $315/year) earn 1.50% Annual Percentage Yield (APY) on balances up to $20,000. Found Pro subscribers (for $80/month or $720/year) earn 2.50% APY on all balances, with no cap. APY is variable and subject to change.
¹⁵ Priority customer support is available to Found Plus (for $35/month or $315/year) and Found Pro subscribers (for $80/month or $720/year). A dedicated account manager is available to Found Pro subscribers only.
¹⁶ Customers who have signed up for an account after November 1, 2025 will earn a bonus equal to 2.00% 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.
¹⁷ Cash Back Terms and Conditions apply.
¹⁹ The metal card is an exclusive Found Pro benefit and is limited to one card per account. Users become eligible to order a metal card after completing the 30-day free trial and successfully being billed for a subscription of $80/month or $720/year. * APY is variable and subject to change. Eligibility requirements and activity thresholds apply; see each provider's terms for current rates and conditions. § Waiver conditions for providers with waivable monthly fees (Chase Business Complete Banking, Bank of America Business Advantage Fundamentals, Bluevine Plus and Premier) are detailed in the paragraph directly below the summary comparison table above. ‡ Mercury Treasury is not a bank account and is not FDIC-insured. Treasury is a cash management product that invests in money market funds; yield varies and principal is not guaranteed. Minimum $250,000 balance across all Mercury accounts required.
All competitor feature and pricing information was collected from each provider's public pricing and product pages as of the 'Last verified' date shown at the top of this article. Competitor features, pricing, and availability may change at any time. Always confirm current details directly with each provider before making a decision. — Competitor banking partner disclaimers (verbatim from each provider's footer as of 2026-04-22; the † symbol next to each competitor's partner bank in the body above refers to the matching disclaimer in this list): Bluevine — 'Bluevine accounts are FDIC insured up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and Bluevine's program banks; $3,000,000 in FDIC insurance is offered by multiplying the standard $250,000 FDIC coverage across multiple banks.' Novo — 'Novo Platform Inc. (Novo) is a fintech, not a bank. Banking services provided by Middlesex Federal Savings, F.A., Member FDIC. Deposits are insured for up to $250,000 through our partner bank, Middlesex Federal Savings, Member FDIC.' Relay — 'Relay is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.' Mercury — 'Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.' Lili — 'Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. All Lili accounts are insured up to $3M through a network of sweep program banks. The standard FDIC deposit insurance limit is $250,000 per depositor, per FDIC insured bank, per ownership category through Sunrise Banks, N.A. and the sweep program banks.' NorthOne — 'North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A., Member FDIC. Customer deposits are FDIC-insured to at least $250,000 through The Bancorp Bank, N.A. North One is not FDIC-insured. Deposit insurance coverage only protects against failure of The Bancorp Bank, N.A.' Chase — 'Deposit and credit card products provided by JPMorgan Chase Bank, N.A. Member FDIC.' Bank of America — 'Bank of America, N.A. Member FDIC. Banking, credit card, automobile loans, mortgage and home equity products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.' American Express — 'Accounts offered by American Express National Bank, Member FDIC.'
The information on this website is not intended to provide, and should not be relied on for, tax or legal advice.
This website contains advertisement of Found and third party products and services.
