Banking · Reviewed 21 Oct 2026

Found

Business banking with built-in tax, bookkeeping, and invoicing tools.

from $35 · free tier · found.com ↗

Paid against free › Banking › Found

Found at a glance

Overview

01

Summary

The useful answer before the supporting detail.

Found is a financial technology company, not a bank, that provides business checking and debit cards with integrated bookkeeping, tax, and invoicing tools for small business owners S1 S33. It solves the problem of managing finances and taxes by automating expense tracking, tax savings, and offering contractor management S8 S33. Its practical value is consolidating banking, bookkeeping, and tax workflows into one platform, with paid plans adding features like higher APY and transaction imports S33 S88.

02

Product identity and positioning

Name, category, positioning, audience, and first-party claims.

  • Identity: Found is a financial technology company offering business banking and financial tools, not a bank S1.
  • Core purpose: It helps small business owners manage bookkeeping, invoicing, and taxes S1 S33.
  • Intended users: Small business owners, including sole proprietors, LLCs, S-Corps, and C-Corps S33.
  • Product scope: A platform combining business checking, debit cards, bookkeeping, tax tools, and invoicing S33.
  • Positioning: Found positions itself as a consolidated back office for small businesses S33.
  • Claimed distinction: It claims to simplify business finances with built-in tax tools and automation S33.
03

Use cases and audiences

Who the product serves and the jobs it is designed to handle.

AudiencePractical use case
Sole proprietorsTrack business expenses and auto-save for taxes S8 S33.
LLCs and S-CorpsManage contractor payments and generate 1099-NEC forms S33.
E-commerce sellersImport transactions from platforms like Etsy and eBay for bookkeeping S33.
Service providersCreate and send invoices to clients for payment S33.
Teams with employeesIssue team cards with spending limits and track expenses S33.

Features

09

Features and capabilities

Core functions and evidence-backed product capabilities.

CapabilityWhat it does
Business checking and debit cardsProvides a business checking account with physical and virtual debit cards, including team cards with spending limits S8 S33.
Automatic expense trackingAutomatically tracks and categorizes expenses when using the Found card, suggesting categories based on merchant S8 S33.
Tax savings and filingAuto-saves a portion of income for taxes and generates Schedule C and 1120/1120-S forms S8 S88.
InvoicingAllows creation and sending of unlimited invoices with client payment requests S33.
Contractor managementManages contractor payments, including W-9 requests and 1099-NEC generation and filing S33 S88.
Pockets (sub-accounts)Organizes funds into up to 20 sub-accounts called Pockets for budgeting and tax set-asides S8.
Receipt scanningScans receipts to attach or automatically create expenses S88.
Accountant collaborationAllows collaborating with an accountant within the app S88.
10

Integrations and ecosystem

Connected products, exports, APIs, and workflow compatibility.

Integration or interfaceTypeWhat it enables
QuickBooksIntegrationImport transactions from QuickBooks Self-Employed and Online via CSV S104.
StripeIntegrationAccept credit card payments and Tap to Pay via connected Stripe account S8.
Cash AppIntegrationLink Found account to Cash App to transfer funds and import transactions S150 S104.
PayPal, Square, Venmo, Etsy, eBay, Lyft, UberIntegrationConnect and import activity from these platforms S33.
External banking servicesIntegrationConnect Found to external institutions using unique account numbers for each Pocket S147.
CSV export/importData portabilityDownload transaction history as CSV and import from other sources S104.

Pricing

11

Pricing and plans

Published plans, free access, trials, credits, and pricing limitations.

Plan or offerVerified price and billingIncludedLimits
Found (Free)$0 per month S88Business checking, debit cards, 20 Pockets, ACH, cash/check deposits, invoicing, 1099 filing S88Domestic wires $15 each; paper checks $1 each S88
Found Plus$35/month or $315/year S88Everything in Free, plus 1.50% APY on balances up to $20,000, import from up to 10 accounts, priority support S88APY capped at $20,000 S88
Found Pro$80/month or $720/year S88Everything in Plus, plus 2.50% APY on all balances, 1% cash back, free checks, lower wire fees S88None published S88
Free trial30 days on Found Plus and Found Pro S88Full plan features during trial S88Not established

Competition

12

Competitive landscape

Domains competing for the same organic search demand.

Sampled competitors

CompetitorFirst-page appearancesSampled queriesAverage positionQueries observed
apps.apple.com225.5found, found bank
instagram.com111found bank
imdb.com112found
wise.com112found bank
linkedin.com113found
trustpilot.com113found bank
en.wikipedia.org115found
foundco.com116found
play.google.com116found bank
youtube.com119found bank

Website intelligence — Collected evidence

Customers, testimonials, and first-party review claims

Page typeEvidenceSource
customers[Skip to main content](#main-content)https://found.com/resources/customer-stories
customersFoundhttps://found.com/resources/customer-stories
customersSign in See a demo Get startedhttps://found.com/resources/customer-stories
customersCustomer Storieshttps://found.com/resources/customer-stories
customersHear from small business owners who have built businesses they love.https://found.com/resources/customer-stories
customershttps://found.com/resources/customer-stories
customersDecember 11, 2025 5 min readhttps://found.com/resources/customer-stories
customersHow This Pet Services Founder Cut Payroll Time by Two-Thirds While Scaling to a Franchisehttps://found.com/resources/customer-stories
customershttps://found.com/resources/customer-stories
customersNovember 20, 2025 8 min readhttps://found.com/resources/customer-stories
customersHow Found Gave This Mental Health Practice Owner 20+ Hours Back Every Monthhttps://found.com/resources/customer-stories
customershttps://found.com/resources/customer-stories
customersDecember 15, 2023 7 min readhttps://found.com/resources/customer-stories
customersThrough the Lens: How a Photographer Uses Pockets to Budget for the Off-Seasonhttps://found.com/resources/customer-stories
customershttps://found.com/resources/customer-stories
customersNovember 17, 2023 6 min readhttps://found.com/resources/customer-stories
customersProfitable by Design: How an Agency Owner Used Pockets to Growhttps://found.com/resources/customer-stories
customershttps://found.com/resources/customer-stories
customersNovember 16, 2022 4 min readhttps://found.com/resources/customer-stories
customersKeeping Business in Harmony: Sadie Hoyt’s Entrepreneurial Journeyhttps://found.com/resources/customer-stories

Independent review sources discovered

No links to supported independent review platforms were discovered on the collected pages.

Website intelligence — Scout synthesis

First-party claims:

  • Found's homepage compares itself to traditional banks by highlighting no overdraft fees and no minimum balance fees W211.
  • A customer story mentions switching from Wells Fargo and Gusto, citing fees and lack of support W115W116.
  • The pricing page offers a value calculator to compare annual value W29.

Scout inference:

  • Found positions itself as a cost-effective alternative to traditional banks and separate bookkeeping tools, as evidenced by the customer story's mention of QuickBooks and Heard W117.
  • The emphasis on all-in-one features may be a differentiator against competitors that require multiple tools W9.
14

AI visibility

Measured ChatGPT and Google AI mentions with cited sources.

AI-assistant referral traffic

  • Estimated current generative-AI referral share: 0.7%
MonthSource
—All AI assistants

Website intelligence — Collected evidence

Site-stated AI capabilities

No supporting public-page evidence was collected for this category.

These are first-party product claims, not independent measurements of AI-search visibility.

Website intelligence — Scout synthesis

First-party claims:

  • The homepage and feature pages contain clear, structured content that could be easily parsed by AI models, such as feature lists and pricing details W4W33W44.
  • The site includes a product tour page with a demo, which may be used by AI to understand the product W73.

Scout inference:

  • The catalog does not provide AI visibility metrics. No additions can be made.
15

Marketing opportunities

Actions calculated directly from the collected evidence.

OpportunityRecommended actionEvidence
Competitor gap2 first-page appearances across found, found bank

Website intelligence — Collected evidence

Website evidence gaps

  • integrations: no usable public page was collected; verify whether the site publishes this evidence.
  • reviews: no usable public page was collected; verify whether the site publishes this evidence.
  • changes: no usable public page was collected; verify whether the site publishes this evidence.
  • identity: no usable public page was collected; verify whether the site publishes this evidence.
  • technical: no usable public page was collected; verify whether the site publishes this evidence.

Website intelligence — Scout synthesis

First-party claims:

  • The site offers a 30-day free trial for Found Plus W41.
  • The site has a referral program and various bonus terms, indicating marketing incentives W142W134.
  • Customer stories highlight specific use cases, such as mental health practices and pet services, which could be leveraged for niche marketing W83W86.

Scout inference:

  • The presence of a value calculator suggests an opportunity to target cost-comparison keywords W29.
  • The feature spotlights page could be used to create content around new features, attracting organic traffic W49.

Trust and proof

16

Customers, proof, and reviews

Published proof, customer signals, and review evidence.

Independent reviews

PlatformPageHow it was foundNote
TrustpilotFound Reviews / Read Customer Service Reviews of found.comGrounded web search440 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently share that the digital account opening process is exceptionally smooth, fast ... and remarkably simple to navigate for new business owners. People also
CheckThatFound Reviews: What 48,400+ Users Actually ThinkGrounded web searchWe built this review from 7 G2 reviews, 1,391 US Trustpilot reviews, roughly 32,000 Apple App Store ratings, 15,000+ Google Play ratings, Found's own pricing and legal disclosures, Reddit threads, and third-party comparison analysis. Because Found holds your income and estimates tax liability, aggregate sentiment matters more than one glowing testimonial or one severe complaint. ... Found works best for solo freelancers who want automated tax withholding and all-in-one simplicity at a low monthl
StartupOwlFound Review 2026Grounded web searchReddit sentiment is polarized; while some users love the integrated tax tools and lack of fees, many strongly warn against using it due to sudden account freezes. Numerous threads highlight severe frustrations with unresponsive customer service, weak security protections, and difficulties resolving locked funds.
Apple App StoreFound: Business Banking - Ratings & Reviews - App StoreGrounded web searchbe able to give this app my full trust. It has great features that really appeal to me as I formalize and ... , I was presented with a screen on the app that prompts you to accept third-party biometric identity verification. The small print
Business InsiderFound Business Checking Account Review 2025Grounded web searchteam compared the Found Business Checking Account to the best business ... ### Is Found Banking legit? Yes, Found Banking is legit. Its banking partner, Lead Bank, offers FDIC insurance up to $250,000 per depositor for each account ownership category.
Google PlayFound: Business BankingGrounded web searchaccount. I do have 1 issue, and that is the tap to pay function does not work at all. I tried to set it up many times, and it never finished the setup. I can not stay on the app to see if it will work or not for any amount of time. if we can not use this
found.comFound / Online Business Checking for Small Business OwnersGrounded web search## Over 750K small business owners have chosen Found - 4.8 App Store over 26K ratings - 4.7 Google Play over 16K reviews - 4.6 TrustPilot over 1K reviews ... It has been so helpful with keeping track of all the aspects of my business
found.comFound x Consumer Rating: Online Business Checking Built for Small BusinessesGrounded web search- 4.8 App Store over 26K ratings - 4.7 Google Play over 16K reviews - 4.5 TrustPilot over 1K reviews ... > I have never seen an app for freelancers, contractors, and business owners that has everything they need with such automation

Customer proof

No named customers, testimonials, or customer case studies were found.

Independent mentions

  • Found / BBB Business Profile — " I am the victim of identity theft and FOUND refuses to refund my money. The charges are obviously fraudulent and they're response is that it is my fault." - ### Marcus B " Hey I was using Found in REMOVED and seemingly was a great tool for my small business, until I ran into issues with fraud. They were able to hack into my phone and access all my accounts, I immediately tried to reach out to Found with no access to a live customer service representative and could only chat with AI bots." ...

External links were grounded in one live web search. Search snippets are leads, not independently scraped page content; rejected links remain available in Review evidence.

17

Company, security, and trust

Ownership, policies, security signals, and public trust evidence.

SignalFindingSource
Company and ownershipFounded in 2019 by a team with deep experience in taxes, accounting, and financial services, Found provides the support and structure that small business owners need to thrive.source
Contact and supportYes you can! You’ll need a Stripe account to process the card payments. Once you’re up and running with Stripe and have connected it to your Found account, you can even accept Tap to Pay payments using just your phone. Lsource
Legal and privacyCancel anytime — keep your free Found plan.source
Security and complianceData encryption and secure infrastructuresource
Uptime and status pageNot published on the collected pages.—
Domain registered1998-10-20—
Domain expires2027-10-19—

Not found on the collected pages: uptime and status page. This only means Scout did not find it on the pages it read; it says nothing about the company itself.

18

Documentation and product updates

Help resources, product guidance, and visible changes over time.

Resource or updateTypeWhat is availableDate or freshness
Product FAQFAQAnswers common product, workflow, pricing, privacy, ownership, API, and team questions. (source)Not dated
How to File Cash App TaxesGuideCash App taxes explained: Learn which transactions are usually taxable, when you (source)Not dated

Not found in the collected public sources: public roadmap, changelog or release notes, status page, separate help center or knowledge base.

Technical

19

Technical and delivery signals

Delivery model, platforms, API, data ownership, reliability claims and release activity.

SignalFindingSource
Delivery model (cloud, self-hosted, desktop, browser extension)Cloud-based web and mobile app S33 S8.S33 S8
Platforms and appsAvailable as web app and mobile app (iOS/Android implied by app ratings) S8 S1.S8 S1
API and extensibility (API, SDK, webhooks, MCP, plugins)No public API documented; integrations via CSV import and third-party connections S104 S33.S104 S33
Data ownership and exportUsers can download all bookkeeping data, including categories, notes, and receipts S88.S88
Performance and reliability claimsEngineering blog describes performance improvements but no specific uptime or reliability figures S117.S117
Release activityEngineering blog mentions improvements over several release cycles, but no specific release dates S117.S117
20

Measured infrastructure

Domain, certificate, and hosting signals, measured directly.

SignalFinding
Domain registered1998-10-20 — Squarespace Domains II LLC
Domain expires2027-10-19
First archived2000-02-29 — web archive
TLS certificateLet's Encrypt, valid, expires 2027-01-13
Security headersHSTS, X-Content-Type-Options, X-Frame-Options, Referrer-Policy
Headers not servedCSP
Server headercloudflare
Mail handled byaspmx.l.google.com, alt1.aspmx.l.google.com
Nameserversaliza.ns.cloudflare.com, jihoon.ns.cloudflare.com
21

Technical site audit

A bounded multi-page crawl with page-level issues and URLs.

Scout — Bounded technical crawl

  • Pages crawled: 15 of 15 maximum
  • Technical health: 97/100
  • Critical issues: 0
  • Warnings: 3
  • Notices: 12

Issues

SeverityIssueValueAffected URL
noticeMeta description length should be reviewed175https://found.com/business-banking
noticeImages are missing alt text4https://found.com/pockets
noticeImages are missing alt text4https://found.com/online-business-banking
noticeMeta description length should be reviewed175https://found.com/taxes
noticeImages are missing alt text4https://found.com/taxes
noticeImages are missing alt text3https://found.com/real-time-insights
noticeImages are missing alt text3https://found.com/invoices
warningTitle length should be reviewed153https://found.com/contractor-management
noticeImages are missing alt text1https://found.com/contractor-management
noticeImages are missing alt text3https://found.com/team-cards
noticeMeta description length should be reviewed178https://found.com/accountants-and-bookkeepers
noticeImages are missing alt text3https://found.com/accountants-and-bookkeepers
noticeMeta description length should be reviewed13https://found.com/pricing
warningDuplicate title in audit sample2https://found.com/
warningDuplicate title in audit sample2https://found.com/online-business-banking

Crawled pages

StatusTitleH1sWordsResponseURL
200Found \Online Business Checking for Small Business Owners12294183 ms
200Found \Banking designed for small business owners.1172359 ms
200Pockets \Found1136587 ms
200Found \Online Business Checking for Small Business Owners11952119 ms
200Business Payments & Money Transfers \Found1121957 ms
200Found \Business Debit Card for Small Business Owners11512196 ms
200Found \Bookkeeping App for Small Businesses1139238 ms
200Found \Tax Planning App for Small Business Owners1166334 ms
200Found \Real-Time Insights and Reporting for Quicker Wins1113589 ms
200Found \Unlimited, free invoicing.1100230 ms
200Found \Easily onboard, pay, and manage contractors—for free. Found is your one-stop-shop for banking, bookkeeping, taxes, and managing 1099 contractors.1119129 ms
200Found \Team Cards1115434 ms
200Accountants and Bookkeepers \Found1844101 ms
200Found \Pricing — Found vs. Found Plus vs. Found Pro1188333 ms
200Resource Center for Small Business Owners \Found194431 ms

This is a bounded Scout crawl. Core Web Vitals and Lighthouse scores are not claimed unless a dedicated performance audit is connected.

22

Search Console and Analytics

First-party search and behavioral data connection state.

Modeled acquisition channels

ChannelEstimated share
direct71.0%
search11.8%
search organic9.9%
search paid1.9%
social3.2%
social organic2.1%
social paid1.0%
referrals2.8%
paid referrals3.2%
mail5.7%
gen ai0.7%
affiliate1.7%
other0.0%

First-party connections

IntegrationStatusData available after connection
Google Search ConsoleNot connectedClicks, impressions, CTR, average position, queries, pages, countries, and devices
Google AnalyticsNot connectedOrganic sessions, engagement, landing pages, conversions, geography, and devices

No first-party Search Console or Analytics numbers are shown until the site owner authorizes the corresponding Google account. Scout traffic model values above are modeled estimates, not private analytics totals.

Website intelligence — Scout synthesis

First-party claims:

  • The site has a demo page and a value calculator, which may be tracked as conversion points W73W29.

Scout inference:

  • The catalog does not provide search console or analytics data. No additions can be made.

Limits and method

23

Limitations and open questions

Known constraints and missing evidence from the collected pages.

Collected pages do not mention any competitors by name. Evidence gaps include lack of specific customer counts, independent review ratings, and detailed security certifications. Open questions: whether Found offers a public API or SDK, and the exact terms of the 30-day free trial beyond the pricing page.

24

Sources, method, and limitations

Evidence inventory, collection method, provider use, and constraints.

This report is based on 15 collected pages from found.com, including the homepage, About, Getting Started, Pricing, Help Center articles, and an engineering blog post. Static and browser rendering rendering were used; external proof search was performed but only verified the existence of a review profile, not its content. Limitations: no first-party customer data, no independent reviews scraped, and no information from external sources beyond the site itself.

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