Banking + integrated bookkeeping + tax estimation — all in one app for self-employed.
Get started at Found (FDIC via sponsor bank) → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 3.9 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
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.
Found — Banking + integrated bookkeeping + tax estimation — all in one app for self-employed. 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.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
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.
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.
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.
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.
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.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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