The information on this website is not intended to provide, and should not be relied on for, tax or legal advice.

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.

⁷Found does not charge ATM fees, but some ATM providers may add their own fee.

Bank comparisons are based on the top 10 retail banks by assets from Federal Reserve data (September 2025), excluding investment banks (Goldman Sachs), primarily online banks (Capital One), and custody banks (Bank of New York Mellon). Pricing and features reflect entry-level checking accounts for ZIP code 10001 (New York, NY), representing standard rates in a major metropolitan area. Fees and features may vary by location and are subject to change. Visit each bank's website for current pricing. Data compiled January 2026.

No required monthly fees: Traditional bank policies vary. Among the banks surveyed, monthly maintenance fees range from $10 to $16 for entry-level business checking accounts. Most banks offer fee waivers contingent upon meeting specific requirements, such as maintaining minimum average monthly balances (typically $500–$5,000), meeting monthly debit card spending thresholds, or enrolling in premium membership programs. U.S. Bank and Truist offer entry-level business checking accounts with no monthly maintenance fee. Fee structures and waiver conditions are subject to change; consult each bank directly for current terms.

No minimum account opening deposit: Traditional bank policies vary. Among the banks surveyed, minimum opening deposit requirements range from $1 to $100 for entry-level business checking accounts. Chase Bank does not require a minimum opening deposit for its Business Complete Banking account. Deposit requirements are subject to change; consult each bank directly for current terms.

No required minimum account balance: Traditional bank policies vary. While the banks surveyed do not impose ongoing minimum balance requirements that result in account closure, several tie balance thresholds to monthly fee waivers. Maintaining balances below these thresholds may result in monthly maintenance fees. Balance requirements and fee waiver conditions are subject to change; consult each bank directly for current terms.

Role-based permissions for co-owners, partners, employees, accountants, and bookkeepers: Traditional bank policies vary. Among the banks surveyed, several offer user management features that allow account holders to grant varying levels of access—including view-only permissions—to accountants, bookkeepers, and other authorized users. However, the availability, functionality, and cost of these features differ significantly by institution. Some banks include basic user management at no additional cost, while others require premium account tiers or paid add-on services for advanced permission controls. Consult each bank directly for current feature availability and pricing.