Found review (2026): pricing, fees and who it's for
Free business checking with built-in bookkeeping, tax estimates, invoicing and 1099 tools.
Good fit if
Self-employed owners who want banking plus tax tools
Pick something else if
You deposit cash or paper checks often, or need interest without a paid plan.
What we like
- $0 plan with no monthly fee and no minimum balance.
- Up to 20 Pockets (sub-accounts), including one for saving taxes.
- Unlimited free invoices, W-9 collection and 1099 e-filing.
- Real-time tax estimates and Schedule C forms built in.
Watch out for
- Mobile check deposits take about 4 business days; $3,000 weekly limit.
- Cash deposits only at retailers: one free per month, then $2 each.
- Outgoing wires cost $15 ($10 on Pro); mailed checks $1 each.
Found pricing
| Plan | Price | Notes |
|---|---|---|
| Found | $0/mo | Banking, bookkeeping, invoicing and tax estimates |
| Found Plus | $35/mo or $315/yr | 1.50% APY up to $20K, priority phone support |
| Found Pro | $80/mo or $720/yr | 2.50% APY, 1% cash back, $10 wires |
Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.
The details
| Monthly fee | $0 (Plus $35, Pro $80 optional) |
|---|---|
| Opening deposit | $0 (none stated) |
| Minimum balance | $0 |
| Interest (APY) | None on free; 1.50% up to $20K (Plus); 2.50% (Pro) |
| Cash deposits | 79,000+ retailers via barcode; 1 free/mo, then $2 |
| ACH transfers | Standard free; express 1% (min $0.50, max $25) |
| Wire transfers | Incoming free; outgoing domestic $15 ($10 Pro) |
| ATMs | Found charges $0; ATM owner fees may apply |
| FDIC insurance | Up to $250K via Lead Bank |
| Mobile check deposit | Mobile app, if eligible; ~4 business days; $3K/week |
| Invoicing | Unlimited free; card payments 2.9% + 30¢ (Stripe) |
| Sub-accounts | Up to 20 Pockets |
| Connects with | Stripe and Square payouts; imports from other accounts (Plus) |
| Cards | Mastercard debit (physical, virtual, team); metal card on Pro |
Before you sign up
You'll need
- SSN, date of birth and US home address
- EIN for LLCs and corporations (sole props can skip)
- Physical US business address (no PO box)
Do this first: Get your EIN first (free from the IRS), and have your formation papers and photo ID ready. Most banks approve online accounts in 1-3 business days. How
What users say in public ratings
Seen on Oct 4, 2026. App store ratings mostly reflect the app; Trustpilot leans toward billing and support stories.
Found alternatives
- 8.8/10RelayOwners who split income into many accounts · Free plan Found vs Relay
- 8.4/10NovoNew owners who want free checking linked to sales apps · Free plan Found vs Novo
Questions
How much does Found cost?
Found: $0/mo; Found Plus: $35/mo or $315/yr; Found Pro: $80/mo or $720/yr. Free trial: 30 days.
Does Found have a free plan?
Yes. Found costs $0/mo.
Does Found offer help in Spanish?
Not that we could find: the app and support are in English.
What do I need to sign up for Found?
SSN, date of birth and US home address; EIN for LLCs and corporations (sole props can skip); Physical US business address (no PO box).
Is Found good for a new business?
It fits self-employed owners who want banking plus tax tools. Pick something else if you deposit cash or paper checks often, or need interest without a paid plan.
What are the alternatives to Found?
Relay (Owners who split income into many accounts); Novo (New owners who want free checking linked to sales apps).
Sources
- found.com/pricing
- found.com/legal/fee-schedule-lead
- found.com/help/funding-your-found-account/can-i-deposit-cash
- found.com/funding
- found.com/help/funding-your-found-account/can-i-deposit-a-check-to-my-found-acco
- found.com/help/getting-started/how-to-get-found
- found.com/help/getting-started/how-to-contact-found
- apps.apple.com/us/app/found-business-banking/id1477267167
- play.google.com/store/apps/details?id=app.indie.my
- trustpilot.com/review/found.com
Checked Oct 4, 2026. Something out of date? Tell us. Our score is calculated from public facts; partners can't pay for a better one.