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Found Small Business Banking Review
Our take: Free business banking with bookkeeping and tax tools built in, made for freelancers and sole proprietors. No interest on the free plan.
Pros
- Free plan with bookkeeping and tax tools
- Cash deposits at 79,000+ retailers
- Highly rated app and 24/7 chat
Cons
- No interest on the free plan
- $15 outgoing wires
- Standard $250,000 coverage only
Key facts
- Paid plans
- Plus $35 a month; Pro $80 a month
- Tools
- Bookkeeping, expense tracking and tax estimates
- ATMs
- Any Mastercard ATM, no Found fee; $550 daily limit
- Partner bank
- Lead Bank (FDIC 8283)
- Minimum to open
- $0
- Monthly fee
- No monthly fee (free plan)
- ATM access
- Any Mastercard ATM (no Found fee)
- Insurance
- FDIC insured through Lead Bank up to $250,000
- FDIC certificate
- 8283 (Lead Bank, Kansas City, MO)
- Who can open
- Sole proprietors, LLCs, corporations and partnerships in the US
- Mobile app
- Found app: 4.8 on the App Store, 4.6 on Google Play (Sep 28, 2026)
- Customer service
- Phone Monday to Friday, 8am to 5pm PT; chat 24/7
Source: Found website, checked Oct 27, 2026. Insurance details from the FDIC BankFind database.
Our verdict
Found is designed for sole proprietors and freelancers. The free plan includes business checking with built in expense tracking, bookkeeping and tax estimates, unlimited ACH transfers and a Mastercard debit card that works at any Mastercard ATM without a Found fee.
The free plan does not pay interest, outgoing wires cost $15, and coverage is the standard $250,000. Found is a financial technology company, not a bank; accounts are held at Lead Bank.
Cash deposits
You can deposit cash at more than 79,000 retailers. The first deposit each month is free, then $2, with limits of $2,000 per 7 days and $4,000 per 30 days.
How we rated it
It earns top marks for app and support, and loses points on coverage, wire fees and paying no interest on the free plan. It scores 4.0 out of 5 on our scorecard for this category. See how we score on the comparison page and our methodology.
How Found compares
| Account | Rating | Monthly fee | APY |
|---|---|---|---|
| Axos Basic Business Checking | 4.4 | $0 | None |
| Bluevine Business Checking | 4.3 | $0 | 1.30% |
| American Express Business Checking | 4.2 | $0 | 1.00% |
| Relay Business Checking | 4.1 | $0 | None |
| Found Small Business Banking | 4.0 | $0 | None |
Found business checking FAQ
Is Found a bank?
No. Found is a financial technology company. Banking services are provided by Lead Bank, Member FDIC.
Is Found free?
Yes, the free plan has no monthly fee. Plus and Pro are paid plans with extra features and interest.
Is Found good for sole proprietors?
It is designed for them, with bookkeeping, expense tracking and tax estimates built in.
Ready to open Found Small Business Banking?
Confirm the current rate and terms on the provider’s site before you apply.