Found

Found is a San Francisco fintech, not a bank, that offers business checking accounts for freelancers, independent contractors and sole proprietors in the US. Lead Bank provides the banking services; Found moved there from Piermont Bank in October 2025. Every account comes with a Mastercard debit card, both physical and virtual, plus up to 20 sub-accounts called Pockets. Bookkeeping is built in: transactions are categorized automatically, you can attach receipts, and you get profit and loss reports. You can send unlimited invoices and pay contractors, and Found generates their 1099-NEC forms. On the tax side, it estimates your taxes as you earn, sets money aside automatically, and supports Schedule C filers. Pricing has three tiers. The base Found plan is free, with no monthly fee or minimum balance. Found Plus costs $35 a month, or $315 a year on annual billing, and adds 1.50% APY on balances up to $20,000, quarterly federal tax payments, free mailed checks, cheaper wires and priority phone support. Found Pro costs $80 a month, or $720 a year, and adds 2.50% APY with no balance cap, 1% cash back on card purchases, a metal card and a dedicated account manager. Some services carry separate fees, such as instant payments, express transfers, wires and cash deposits. Found connects to payment and gig platforms including PayPal, Venmo, Square, Cash App, Etsy and Uber. Its main limitation is scope. It is built for one-person businesses and lacks W-2 payroll, multi-entity support, international transfers and the depth of a full double-entry accounting package.