Found
UnclaimedSmarter banking, bookkeeping, and tax management for small businesses and freelancers.
Visit WebsiteTL;DR - Found
- All-in-one business banking with integrated bookkeeping and tax tools.
- Automates tax savings, expense categorization, and contractor payments.
- Includes an AI assistant for financial queries and task automation.
Pricing: Free plan available
Best for: Growing teams
4.5/5 across review platforms
Pros & Cons
Pros
- Consolidates banking, bookkeeping, invoicing, and tax management in one platform.
- Automates tax savings and expense tracking, simplifying tax preparation.
- Offers a free tier with essential business banking and bookkeeping features.
- Provides tools for contractor management, including W-9 collection and 1099 e-filing.
- AI assistant helps with financial queries and automates administrative tasks.
Cons
- Advanced features like higher APY, cash back, and unlimited custom rules are only available in paid plans.
- Found Assistant is in beta and may make mistakes, requiring professional consultation for critical advice.
- Found is a financial technology company, not a bank, with banking services provided by a partner bank.
Ratings Across the Web
4.5(6 reviews)
Ratings aggregated from independent review platforms. Learn more
Preview
Key Features
Online business checking accountMastercard Business debit cardTeam debit cards with spending controlsUp to 10 sub-accounts (Pockets) for cash flow managementAutomatic expense categorization and receipt scanningReal-time tax estimates and automated tax savingsContractor management (payments, W-9 collection, 1099 e-filing)Unlimited free invoicing
Pricing Plans
Free TrialFound
$0/mo
- Business banking + Mastercard© debit card
- Team debit cards with spending controls
- Up to 10 sub-accounts called Pockets
- Categorize expenses, scan receipts, view P&L
- Real-time tax estimates and save as you go
- Pay contractors, collect W-9s, e-file 1099s
- Unlimited free invoicing
- No hidden fees or minimum balance
- Physical and virtual debit cards
- Send and receive unlimited ACH transfers
- Deposit cash and checks
- Receive domestic wire transfers
- Get paid in-person via Tap to Pay
- Send domestic wire transfers
- Send paper checks
- Automatic expense categorization
- Write-off identification
- Scan receipt to attach or automatically create expense
- Tag transactions by client, project, or other criteria
- Profit and loss, income, and expense reports
- Balance sheet and chart of accounts
- Split transactions
- Collaborate with your accountant in the app
- Automatically save for taxes in Taxes Pocket
- Mileage and home office deduction tracking
- Generate Schedule C and 1120/1120-S forms
- In-app quarterly federal tax payments
- Create and send unlimited invoices
- Schedule invoices for a later date
- Recurring invoices
- Estimates and payment requests
- Invoice templates
- No per-contractor fees
- Unlimited contractor payments via ACH, text, email, wires, or check
- Instant payments to other Found accounts
- Request W-9s and send automated reminders
- Generate and e-file 1099 NECs
- 24/7 virtual assistance via Found Assistant
- Real human support via phone and email
Found Plus
$19.99/mo
- Everything in Found
- 1.5% APY on balances up to $20,000
- Import transactions from banks, cards, apps
- Unlimited rules for auto-categorizing expenses
- Custom tags and categories for expenses
- Priority phone support
- Free tax filing through Column Tax
Found Pro
$80/mo
- Everything in Found Plus
- 2.5% APY on all balances, no cap
- 1% cash back on card purchases
- Dedicated account manager
- Premium metal debit card
- Send unlimited checks for free
- Send discounted wire transfers
- Free ExpertReview through Column Tax
What is Found?
Found is an all-in-one financial platform designed for small business owners, freelancers, and independent contractors. It combines business banking with integrated bookkeeping, invoicing, and tax management tools to simplify financial operations. Users can manage income and expenses, automatically set aside money for taxes, track write-offs, and send unlimited invoices and contractor payments.
The platform aims to consolidate various back-office functions into a single, seamless experience, helping users save time and stay tax-ready. Found offers features like automatic expense categorization, real-time tax estimates, and the ability to manage cash flow through sub-accounts. It also includes an AI-powered assistant to answer financial questions and automate tasks, making it easier for small business owners to focus on their core business activities.
Reviews
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Found FAQ
What is the maximum APY available with a Found account, and are there any balance caps?
Found Pro subscribers can earn 2.5% APY on all balances, with no cap. Found Plus subscribers earn 1.5% APY on balances up to $20,000.
How does Found assist with tax preparation and filing for contractors?
Found offers free 1099-NEC generation and filing. It also helps collect W-9s and provides unlimited payments to contractors without per-contractor fees.
What are the differences in custom expense categorization rules between the free Found plan and the paid Found Plus/Pro plans?
The free Found plan allows for 1 custom expense rule, 1 custom tag, and 1 custom category. Found Plus and Found Pro plans offer unlimited rules, tags, and categories for expense categorization.
Can I import transactions from external banks, cards, or apps into my Found account?
Yes, Found Plus and Found Pro subscribers can import transactions from other banks, cards, and apps. This feature is not available with the free Found plan.
What unique benefits does the Found Pro plan offer compared to Found Plus?
Found Pro includes a higher APY of 2.5% on all balances with no cap, 1% cash back on card purchases, a dedicated account manager, a premium metal debit card, free unlimited checks, and discounted wire transfers.
How does Found's AI-powered assistant help manage finances and tasks?
The AI-powered Found Assistant can answer financial questions, delegate time-consuming tasks like creating invoices, and help users stay tax-ready by providing information on set-aside tax amounts.
Source: found.com