Smarter banking for your business
AI-POWERED
Built-in bookkeeping, invoicing, contractor management, and more.
Get startedAwards and recognition
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Best Business Checking for Paying Contractors and Saving for Taxes
©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.
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Best for Innovative Features
©2026 Forbes Advisor. All Rights Reserved.
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.
Move, manage, and grow your money—all in one place
Found is your entire back office, consolidated into one, seamless platform. Get paid, send payments, manage your cash flow, and stay ahead of tax season—right where you bank.
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Banking
Payments and deposits flow directly into your Found account, with the estimated taxes set aside.
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Taxes
Found handles the math and flags deductions, so you’re ready for tax time.
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Bookkeeping
As you and your team spend on Found cards, expenses are tracked and categorized as deductions.
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Contractor management
Send unlimited payments with no per-contractor fees and easily collect the tax forms you need.
How Found works
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Set money aside for taxes automatically
We’ll estimate your quarterly taxes and set money aside when you get paid.
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Find write-offs without lifting a finger
When you use your Found card, Found automatically categorizes your expenses so you don’t have to.
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Manage your cash flow, your way
Organize your money into sub accounts and pay directly from them.
FOUND PRO
Rewards that make your money go further
Enjoy premium banking benefits and personalized support when you subscribe to our premium paid plan called Found Pro.³
Get started-
2.50% APY on all balances¹⁴
Hit your savings goals faster with earnings on your entire balance, no cap.¹⁴
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1% cash back¹⁷
Get rewarded for every qualifying card purchase¹⁷ made by you or your team.
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Dedicated account manager
Get faster answers and tailored guidance from your own account manager.
¹⁴Found Plus subscribers (for $35/month or $315/year) earn 1.50% Annual Percentage Yield (APY) on balances up to $20,000. Found Pro subscribers (for $80/month or $720/year) earn 2.50% APY on all balances, with no cap. APY is variable and subject to change.
Over 750K small business owners have chosen Found
SEE WHY
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“Found has been a godsend for me and our business - it pretty much does everything.”
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“It has been so helpful with keeping track of all the aspects of my business and it feels nice to have everything in one place. I would give Found a 10 out of 10.”
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“I love how it takes taxes out immediately so I don't have to think about it. I'm a social worker, not a business major. So it takes all the guess work out of it.”
Bring order to your finances with Found at the core
Get started-
Banking
Learn more about Banking- Mastercard® business debit card²
- Team cards with spend controls
- Check and cash deposits
- Wires and check payments⁸
- Contractor payments
- Sub-accounts
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Bookkeeping
Learn more about Bookkeeping- Expense and income tracking
- Custom rules and tags¹³
- Receipt scanning
- Invoicing
- Import external transactions
- Financial reports
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Taxes
Learn more about Taxes- Automatic write-offs
- Tax form generation
- Tax estimates
- Tax payments¹⁰
- 1099 form filing
- Mileage tracking
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Contractor management
Learn more about Contractor management- Unlimited payments
- No per-contractor fees
- Flexible payment methods
- Collect W-9s
- Free 1099-NEC generation
- Free 1099-NEC filing
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.
Work faster and smarter with Found Assistant
AI-POWERED
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Ask any questions, any time
“What’s my income this month?”
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Delegate time-consuming tasks
“Create an invoice to send to Sarah”
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Stay tax-ready
“How much have I set aside for taxes?”
Found does not provide legal or tax advice. Found Assistant is in beta and can make mistakes. Users are advised to consult with professionals for specific advice.
Frequently Asked Questions
Who is Found for?
Found is designed specifically to help small business owners with their finances.
Our customers come from a variety of sectors—from professional and physical services to e-commerce and beyond—and operate under a variety of business types, including sole proprietorships, single and multi-member LLCs, S-Corps, and C-Corps. Whether you are just starting out or an established business, Found can help you streamline your banking and bookkeeping through a single platform.
Learn more here to see if Found could be a good fit for your business.
Why do I need a business checking account?
As a small business owner, it can be hard to keep track of your business when your personal and business finances are combined in one account. It can also make paying taxes even more confusing. With a business checking account like Found, you can keep your business and personal finances separate and organized, so you know exactly what’s going on with your business.
Will my Found account have a routing number?
Yes, your Found account comes with its own account and routing numbers.
Where can I use my Found debit card?
Use your Mastercard® Business debit card² anywhere Mastercard® is accepted, including for online and international transactions.
Can I add my business name to my Found debit card?
Yes, you can add your business name to the front of your Found business debit card.
Which apps can I connect to my Found account?
Found connects seamlessly with all your favorite banking and business tools. Quickly integrate with QuickBooks, Stripe, Cash App, PayPal, Square, Lyft, Uber, Venmo, Etsy, eBay, and more.
Can I link my Found card to Apple Pay or Google Pay?
Absolutely! Found is compatible with both Apple Pay and Google Pay, and you can link your virtual card before your Found card arrives in the mail.
How can I fund to my Found account?
There are many ways to fund your account including:
- Setting up direct deposit
- Domestic wire transfers
- Transfers from payment processors like Square & Stripe
- Transfers from payment apps like Venmo, Paypall, Cash App and more
- Cash Deposits available at over 79k retail locations nationwide.
- Check deposits: If eligible, you can deposit a check directly in your Found app
- Client Invoices: You can request payment from your clients directly using Found's invoicing feature
Read more about deposit options here.
How does Found automatically categorize expenses?
When you make a purchase with your Found card, the app will automatically suggest a category for your expense based on the merchant. For example, restaurants and coffee shops will often be automatically categorized as Business Meals, and you can edit the category any time.
Can Found help me identify relevant tax deductions and write-offs?
Yes. Every time you use your Found card for a business purchase, the details will be automatically recorded in your account. Instead of searching through old statements or looking for receipts, all of your expenses—and potential tax deductions—will be in one place and easy to spot.
Can I use the Found app to actually pay taxes too?
If you 1) file a Schedule C and 2) have an active Found Plus⁴ subscription then yes, you can! A few weeks before payments are due, Found customers will see an option in their Found account to make a tax payment. If you choose to pay your taxes through Found, we will use funds in your taxes account to send the appropriate payment to the IRS on your behalf.
Learn more about how to pay your taxes with Found here.
I currently use another accounting tool. Do Found’s bookkeeping tools work with other platforms?
Yes! Found connects seamlessly with a range of accounting, banking, and business tools. Quickly integrate with QuickBooks, Stripe, Cash App, PayPal, Square, Lyft, Uber, Venmo, eBay, and more.
How much does it cost to send invoices through Found?
It doesn't cost anything to send unlimited invoices through Found! All of Found's tools for creating, sending, and tracking invoices are all free as part of Found's core plan. Learn more.
What forms of payment can I accept with Found invoices?
When you send an invoice with Found, you choose which payment methods to offer your clients. Choose from credit card, debit card, Cash App Pay, and direct deposit.
How much does it cost to use Found contractor management?
Nothing! It’s completely free to use. Unlike other contractor management software, Found’s contractor tools have no monthly or per-contractor fees.
Security
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Data encryption and secure infrastructure
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Two-factor authentication (2FA)
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Comprehensive fraud monitoring
Sign up in as little as 5 minutes.
- Easy sign up
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No credit check
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No minimum balance
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No maintenance fees
Scan to download the Found app.
Found is available on iOS, Android, and desktop.