Found vs. Bluevine: Which Business Banking Platform Should You Pick?

Choosing the right business banking platform can make a real difference in how you manage your finances. Found and Bluevine both offer business checking accounts designed for small business owners, but they take different approaches to helping you run your business.

Found integrates banking, bookkeeping, and tax tools into one platform—built specifically for small business owners who want to simplify their financial back office. Bluevine focuses on business banking with competitive interest rates, robust cash management tools, and access to business financing.

In this comparison, we'll break down how Found and Bluevine stack up across the features that matter most to small business owners.

Found vs. Bluevine: Feature Comparison

Data compiled October 2025 and subject to change. Features, pricing, and availability may vary. Always confirm current details directly with the providers.

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.

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.

⁴Optional subscription to Found Plus for $19.99/month or $149.99/year. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read more.

⁶Direct deposit funds may be available for use for up to two days before the scheduled payment date. Early availability is not guaranteed.

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.

¹⁴1.5% APY on balances up to $20K for Found Plus subscribers.

Feature-Focused "Best For" Analysis

Here's how Found and Bluevine stack up across the features that matter most to your small business.

Best for All-in-One Business Banking: Found 

Found is built as an all-in-one platform that integrates banking, bookkeeping, and tax tools in one place. Transactions are automatically tracked and categorized for taxes, and you can manage everything from your checking account to expense tracking without switching between multiple apps.

Bluevine focuses on core banking features with strong account management tools, but you'll need separate software for bookkeeping and taxes. If you want everything under one roof, Found delivers the most integrated experience.

Best for High-Yield Savings: Bluevine

Bluevine offers up to 2.0% APY on balances up to $100,000 for free accounts, and up to $250,000 for Plus and Premiere members. This rate is available to all users regardless of subscription tier. Found Plus offers only 1.5% APY on balances up to $20,000.⁴ If maximizing interest earnings on your business cash is a priority, Bluevine's higher APY and larger balance cap make it the better choice.

Best for ATM Access & Fee Reimbursements: Bluevine (Plus and Premiere tiers)

Bluevine Plus members get $10 per month in ATM fee reimbursements, while Premiere members get $20 per month. This can add up if you frequently need cash for your business. While you can withdraw cash at any Mastercard-accepting ATM, you'll pay the ATM operator's fee as Found doesn't offer ATM fee reimbursements. Found customers can make cash deposits at retail locations for a fee and doesn't maintain its own ATM network, making Bluevine the clear choice for businesses requiring frequent cash access.

Best for Integrated Bookkeeping: Found 

Found includes automatic bookkeeping as a core feature. Transactions made with your Found debit card is automatically logged and categorized using IRS-ready categories that align with Schedule C tax forms. You can create a limited number of custom categories and categorization rules¹³, attach receipts via mobile scan, track mileage, and generate detailed Profit & Loss statements.

Bluevine offers integrations with QuickBooks and Xero, but it doesn't include the same level of built-in bookkeeping automation. If you want bookkeeping handled within your banking platform without paying for separate software, Found is the clear winner.

Found Plus⁴ provides additional bookkeeping features, such as connecting other accounts and setting up unlimited custom rules, categories, and tags. 

Best for Tax Automation: Found 

Found handles real-time tax estimations and automatically generates Schedule C, 1120, and 1120-S forms (depending on your business structure), with automatic tax savings and quarterly estimate generation at no cost. Found also provides a real-time tax estimate based on your provided tax profile and lets you set up a tax savings Pocket. Bluevine doesn’t offer built-in tax tools and lacks automated tax management, real-time estimates, and tax form generation. Found Plus subscribers⁴ who file a Schedule C can even pay federal taxes directly through the app.

Best for Free Invoicing: Found (slight edge)

Both Found and Bluevine offer unlimited free invoicing. You can create professional invoices, send them to clients, accept online payments, and track payment status. Found lets you accept payments via ACH, credit/debit card, and Cash App Pay through Stripe integration. A key advantage: Found includes recurring invoices as part of the free plan, making it ideal for businesses with retainer clients or subscription-based services. You can also send automatic payment reminders and create estimates that convert to invoices.

If you bill clients on a recurring basis—like monthly retainers, ongoing services, or subscription work—Found's built-in recurring invoice functionality gives it a slight edge. Bluevine also offers solid invoicing features with online payment acceptance, but recurring invoicing capabilities are only available to the Plus and Premiere subscribers. For businesses that rely on recurring revenue, Found's automation can save significant time each month.

Transform your invoicing with sleek, branded designs that make your business shine. Say goodbye to invoice headaches with automated reminders, instant notifications, and seamless integration that puts money directly into your Found account. Learn more →

Best for Managing 1099 Contractors: Found 

Found includes built-in contractor management tools that simplify the entire process. You can collect and track W-9 forms, automatically generate 1099-NEC forms for contractors paid $600 or more during the year, and e-file 1099s directly through the platform. The system automatically tracks payments toward 1099 thresholds, so you don't have to manually calculate who needs a form. Bluevine doesn't offer contractor management features. You'll need to handle W-9 collection and 1099 generation separately using third-party software or by working with an accountant.

If you regularly work with independent contractors, Found's integrated approach eliminates the need for separate contractor management tools or services.

Best for Multiple Business Management: Found

Found allows you to manage up to five separate businesses from a single login. Each business gets its own account and routing numbers, with completely separate tax information, reports, and activity. You can quickly switch between businesses in the app and transfer funds between your Found business accounts instantly and for free. This is ideal whether you operate multiple registered businesses or have a side hustle in addition to your main business—all accessible from one place.

Bluevine requires a separate account for each business entity, meaning you'll need different email addresses and logins to manage multiple businesses. While you can have multiple Bluevine accounts, you can't view or manage them together in one dashboard. For entrepreneurs juggling multiple ventures or testing new business ideas while maintaining their primary business, Found's unified multi-business management saves time and simplifies your financial oversight.

Best for Freelancers and Sole Proprietors: Found 

Found is purpose-built for self-employed professionals and service-based businesses. Whether you're a consultant, designer, attorney, therapist, photographer, or contractor, Found's integrated platform handles the financial tasks that typically pull you away from client work. The bookkeeping automatically categorizes expenses using tax-ready categories, generates your Schedule C or corporate tax forms, provides real-time tax estimates, and helps you set aside money for quarterly taxes without thinking about it.

Beyond tax automation, Found includes tools that matter for service businesses: contractor management with W-9 collection and 1099 generation, Pockets to organize funds for different purposes (taxes, operating expenses, owner's pay), and the ability to manage multiple businesses from one login. Bluevine offers solid business banking with competitive rates, but it's designed as a general small business platform—you'll need separate tools for bookkeeping and taxes. If you're running a service business and want to spend less time on financial admin, Found streamlines everything into one platform.

Best for Small Business Startups: Tie 

Both platforms let you open an account for free and require no minimum balance, making them accessible for startups. The right choice depends on whether you prioritize integrated financial tools (Found) or higher interest earnings and business financing (Bluevine).

Choose Found if: You're a service-based business (consultant, designer, contractor, etc.) that needs integrated bookkeeping and tax tools from day one. Found's free plan gives you a solid foundation to manage finances as you grow, without juggling multiple tools.

Choose Bluevine if: You're a product-based business or expect to maintain higher cash balances and want to earn competitive interest. Bluevine's 2.0% APY on larger balances and business financing options make it better suited for businesses with significant cash flow.

Best for Business Financing: Bluevine

Bluevine offers lines of credit up to $250,000 and term loans up to $250,000 with fast approval and funding (sometimes same-day). If you need working capital to manage cash flow, purchase inventory, or fund growth, having financing integrated with your business checking account can be valuable.

Found doesn't currently offer business loans or lines of credit. If access to business financing is important for your operations, Bluevine is the only option between these two platforms.

Which Platform Is Best for Small Business?

Both Found and Bluevine offer solid business banking, but they serve different needs and business types.

Choose Found if you:

• Want banking, bookkeeping, and taxes integrated in one platform without juggling multiple tools

• Work with contractors and need streamlined W-9 collection and 1099 generation

• Value automation for expense tracking, categorization, and tax calculations

• Want to organize money with Pockets and automatic tax savings

• Prefer built-in invoicing with automated payment tracking

• Operate multiple businesses and want to manage them all from one login

• Need to generate a Schedule C as a sole proprietor

• Value early direct deposit⁶ for improved cash flow

• Are launching a startup and want to minimize software subscription costs

Choose Bluevine if you:

• Want to earn competitive interest on larger business cash balances and meet eligibility requirements (for Standard plan)

• Want ATM fee reimbursements (Plus and Premiere tiers)

• Need access to business financing like lines of credit or term loans

• Already use and like your current bookkeeping and tax software (QuickBooks, Xero, etc.)

• Prefer traditional business banking without integrated tax tools

• Prefer manual control over automated tax management

The bottom line? Found delivers an all-in-one platform that integrates banking, bookkeeping, and taxes—eliminating the need for multiple software subscriptions and saving you both time and money. Bluevine offers competitive interest rates and access to business financing, which can be valuable if you maintain large cash balances or need working capital. For most self-employed professionals and service-based business owners who file Schedule C, Found's tax automation and integrated bookkeeping tools provide better overall value than earning slightly higher interest on your balance. 

Ready to Make the Switch?

Found makes it simple to get comprehensive business banking without any required monthly fees⁴. With automatic bookkeeping, real-time tax calculations, unlimited invoicing, and contractor management all included free⁴, you can focus on growing your business instead of managing multiple software subscriptions. Join thousands of entrepreneurs who've already made Found their all-in-one financial solution and start streamlining your business finances today.

FAQs

How much does Found cost?

Found offers business banking, tax tools, invoicing, bookkeeping, and 1099 contractor management with no required monthly fees. Found also offers an optional paid product, Found Plus, for $19.99/month or $149.99/year.

How does Found help with taxes?

Found helps simplify tax time by tracking your income and expenses, calculating quarterly estimates, and setting aside tax money in a dedicated Pocket so there will be less scrambling at tax time. Depending on your business structure, you'll get pre-filled tax forms, such as Schedule C, 1120, and 1120-S.

Does Found support 1099 contractor payments? 

Yes—and it's built right into Found's free plan. There are no per-contractor fees or limits. You can collect W-9 forms, pay contractors via multiple methods, and automatically generate and file 1099-NEC forms for contractors without needing a separate contractor payroll tool.

Disclaimer: The information on this website is not intended to provide, and should not be relied on, for tax advice. Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC. 

Data compiled October 2025 and subject to change. Features, pricing, and availability may vary. Always confirm current details with providers directly.

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.

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.

⁴Optional subscription to Found Plus for $19.99/month or $149.99/year. There are no monthly account maintenance fees, but other fees such as transactional fees for wires, instant transfers, and ATM apply. Read more.

⁵Subject to eligibility requirements, applicable terms and conditions, and service fees. See Terms of Service and Lead Account Terms for more details.

⁶Direct deposit funds may be available for use for up to two days before the scheduled payment date. Early availability is not guaranteed.

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.

¹⁴1.5% APY on balances up to $20K for Found Plus subscribers.