Found review 2026: business banking pricing, tax tools, invoicing, and AI assistant for the self-employed. Compare Found to Novo, Lili, and Bluevine.
Category
Payments
Pricing
Freemium (free core account with optional paid tiers), from Free (paid tiers from $35/month)
Verified
Not yet
Last updated
July 18, 2026
Founded
2019
Headquarters
San Francisco, California, United States
Free PlanWeb AppiOSFree TrialAndroidAIFreemium
Overview
Found is a fintech platform offering business banking purpose-built for the self-employed, combining a checking account with automated bookkeeping, real-time tax estimates, invoicing, and contractor payments in one product.
Founded in 2019 by former Square executives Lauren Myrick and Connor Dunn, Found publicly launched with a $12.75 million Sequoia-led seed round in 2021 and has since raised roughly $124 million in total funding.
Key Features
Every transaction is automatically categorized for bookkeeping, and the platform calculates real-time estimated tax liability so users know how much to set aside for quarterly taxes as money comes in.
Found supports unlimited invoicing, end-to-end contractor payments with W-9 collection and 1099-NEC filing, up to ten Pockets for allocating funds toward specific goals, and an AI-powered Found Assistant for account tasks and support.
Pricing
The base Found account is free and includes core checking, debit cards, Pockets, expense tracking, tax estimates, and unlimited invoicing.
Found Plus costs $35/month ($315/year) and adds 1.50% APY up to $20,000 and transaction imports, while Found Pro costs $80/month ($720/year) and adds 2.50% APY with no cap, 1% cash back, and a dedicated account manager.
Key Features
Automated bookkeeping — Every transaction is automatically categorized, reducing the need for a separate accounting tool.
Real-time tax estimates — The platform calculates estimated tax liability as income arrives, helping users set aside money for quarterly taxes.
Unlimited invoicing — Create and send unlimited invoices directly from a Found account without a separate invoicing subscription.
Contractor payments and 1099 filing — Pay contractors, collect W-9 forms, and file 1099-NEC forms without per-contractor fees.
Pockets for fund allocation — Automatically set aside money into up to ten sub-accounts for taxes, savings, or other goals.
Found Assistant (AI) — An AI-powered assistant built into the account that answers questions and completes approved tasks like moving money or sending invoices.
Team and debit cards — Issue debit cards for team members alongside the primary business debit card.
Tiered interest and cash back — Earn APY on account balances and cash back on purchases through the paid Plus and Pro tiers.
Pros & Cons
Pros
Free core plan includes real bookkeeping, tax estimation, and unlimited invoicing with no monthly fee
Built-in contractor payments with 1099-NEC filing removes the need for a separate payroll tool
AI-powered Found Assistant embeds account support and task automation directly into the app
Backed by well-known investors including Sequoia Capital, Founders Fund, and Lightspeed Venture Partners
Cons
Highest interest rates and cash back are locked behind the paid Plus and Pro subscription tiers
Customer support leans more on email and self-service tools compared to some competitors' live support
As a fintech rather than a chartered bank, deposits rely on third-party partner-bank relationships
No physical branch network, which may not suit business owners who prefer in-person banking
Pricing
Found (Free) $0/month No commitment
Found Plus $35/month or $315/year Monthly or annual (25% savings annually)
Found Pro $80/month or $720/year Monthly or annual (25% savings annually)
Frequently Asked Questions
Is Found a bank?
No, Found is a financial technology company, not a chartered bank. Banking services and FDIC insurance are provided through partner banks.
How much does Found cost?
Found's base account is free. Found Plus costs $35/month or $315/year, and Found Pro costs $80/month or $720/year, both with a 30-day free trial.
Does Found handle tax estimates?
Yes, Found calculates real-time estimated tax liability as income comes in, helping self-employed users set aside money for quarterly taxes.
Can Found pay contractors and file 1099s?
Yes, Found supports end-to-end contractor payments, including W-9 collection and 1099-NEC filing, without per-contractor fees.
What is Found Assistant?
Found Assistant is an AI-powered feature built into the Found account that can answer questions, help complete tasks like sending invoices or moving money, and provide account support, with money-movement actions requiring user approval.
Who founded Found?
Found was founded in 2019 by former Square executives Lauren Myrick (CEO) and Connor Dunn (CIO).