Found is a business checking + bookkeeping + tax tool in one — designed specifically for sole proprietors, LLCs and 1099 contractors. $0 monthly fees, no minimums.
PickYourBank Rating
9.5
Overall
9.8
APY
9.6
Fees
9.0
App
9.1
Tools
$0
Monthly fees
$0
Minimum balance
Built-in
Bookkeeping
$250K
FDIC coverage
Found was built for the 60M+ self-employed Americans who don't fit traditional small-business banking. It bundles a business checking account with automatic expense tracking, invoicing, and quarterly tax estimation.
Banking services are provided by Piermont Bank, Member FDIC — so deposits are insured up to $250,000 just like any other bank account.
Founded
—
HQ
U.S.
Charter
FDIC-insured
Reach
Nationwide
Built for businesses
Sole props, LLCs, S-corps and C-corps welcome
FDIC insured
Funds held at partner banks, insured up to $250K+
Fast onboarding
Open an account online in minutes — no branch visit
Modern dashboard
Invoicing, expenses, virtual cards & integrations
Here's what Found offers and who each product is best for.
Free business checking, no minimums.
$0 monthly fees · $0 minimums · Unlimited transactions
Power-user features for growing businesses.
Higher contractor pay limits + premium support
5–10 minutes online — no minimum deposit required for most plans.
Upload formation docs (LLC, corp, sole prop) and government ID.
Receive routing & account numbers, plus a debit card by mail.
Sync with QuickBooks, Stripe, Shopify and start paying vendors.
Found is a financial technology platform that partners with FDIC-insured banks to provide banking services. Your deposits are held at the partner bank and insured up to $250,000.
Found's core business checking account has no monthly maintenance fees on the standard plan. Premium tiers with extra features may carry a small monthly fee.
Yes. You'll receive a physical debit card by mail and can also create unlimited virtual cards for online purchases and subscription management.
Yes. Most popular integrations include QuickBooks, Xero, Stripe, Shopify, PayPal and Square.
U.S.-based sole proprietors, LLCs, partnerships, S-corps and C-corps. You'll need an EIN (or SSN for sole props) and a government-issued ID.
If you're a freelancer, contractor, or solo LLC, Found's combo of free banking + bookkeeping + tax tools is hard to beat.
Advertiser disclosure: PickYourBank.com may receive compensation when you open an account through our links. This never influences our ratings or recommendations.
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