Found (FDIC via sponsor bank)
Found Review 2026
Banking + integrated bookkeeping + tax estimation — all in one app for self-employed.
Who Found is best for
Self-employed individuals (sole proprietors and single-member LLCs) who want banking and bookkeeping in the same app, especially those who underestimate quarterly tax obligations.
At a glance
- Monthly fee
- $0
- Cash deposit
- Not supported
- Tax estimation
- Integrated
- Bookkeeping
- Native
Basic plan; paid plans add features — verify at vendor
Online-only pick
Automatic quarterly tax-set-aside feature
Auto-categorization built in
Pros
- +Integrated bookkeeping and tax estimation in the same app
- +Automatic tax-reserve sub-account helps avoid quarterly tax shortfalls
- +No monthly fee at basic plan
- +QuickBooks Online export available
Cons
- −No direct cash deposit support
- −Paid plans required for advanced bookkeeping features — verify pricing at vendor
- −FDIC via sponsor bank — confirm current arrangement at vendor
Found requirements
- Self-employed individuals, sole props, single-member LLCs
- Online application
Found alternatives
Top alternatives worth comparing from Best Business Bank Accounts for Small Business 2026.
Mercury (FDIC via sponsor banks)
Mercury
Funded startups, e-commerce operators, and fully-online professional services businesses that don't take in physical cash.
Relay (FDIC via sponsor banks)
Relay
SMBs running Profit First or any percentage-based cash allocation methodology that want up to 20 checking sub-accounts under one login.
Novo (FDIC via Middlesex Federal Savings, as of recent disclosure)
Novo
Solo entrepreneurs, freelancers, single-member LLCs, and side-business operators who want a free simple business account they can open from a phone.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Last verified at the issuer on 2026-06-05
Compare Found head-to-head
The full lineup
See all picks in Best Business Bank Accounts for Small Business 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Found scores 3.9 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Self-employed individuals (sole proprietors and single-member LLCs) who want banking and bookkeeping in the same app, especially those who underestimate quarterly tax obligations.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Found
Who is the Found account best for?+
Found is built for self-employed individuals — sole proprietors and single-member LLCs — who want banking and bookkeeping in the same app, especially those who tend to underestimate quarterly tax obligations. Its integrated tax-set-aside feature is a core draw for that audience. Confirm current features at found.com.
Does Found charge a monthly fee?+
Found's basic plan has a $0 monthly fee. Paid plans add advanced bookkeeping features at additional cost — verify the current paid-plan pricing at found.com before choosing a tier.
Can I deposit cash with Found?+
No — Found does not support direct cash deposits; it is an online-only account. If your business regularly handles cash, that's an important limitation to weigh. Confirm the current deposit options at found.com.
How does Found help with quarterly taxes?+
Found includes integrated tax estimation with an automatic tax-set-aside feature that reserves a portion of income into a sub-account, which helps self-employed users avoid quarterly tax shortfalls. It also offers native bookkeeping with auto-categorization and QuickBooks Online export. This works best when you've already modeled your actual quarterly self-employment tax obligation. Verify current feature details at found.com.
Is Found FDIC insured and is it a bank?+
Found provides FDIC insurance via a sponsor bank rather than being a chartered bank itself, meaning deposits are held at an FDIC-member partner institution. Confirm the current banking partner and applicable coverage limits at found.com. ClearValue Lending is a small business funding platform, not a bank or affiliate of Found, and presents publicly available editorial information only.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.