United States
activeBusiness banking
- HQ
- New York
- Fee
- Free checking
Found
US banking for the self-employed: taxes, invoices, and a debit card.
Legal entity: Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC (found.com footer and Lead Bank terms of service).
Tap a star to jump to reviews
7.3Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Found is not a bank. Your money sits with Piermont Bank / program partners.
If it fails?
Pass-through FDIC at Lead Bank, Member FDIC. Found is not a bank. Do not use the old Piermont name — Found’s 2026 footer names Lead Bank.
Salary?
US business checking at Lead Bank can take receivables and payroll. Found is not the FDIC member.
Open from abroad?
US small-business fintech. US entity KYC. Not a personal IBAN.
Monthly fee
Free core
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.3
/10 · Solid
Found is the freelancer current account. Novo is generic SMB. Relay is multi-entity ops.
What it is
Found is a fintech for sole props. Partner banks hold eligible deposits. The product is tax-aware checking.
Best for: US freelancers who hate QuickBooks more than they hate banks.
Last checked 2026-08-01. Not advice.
What it does well
- +Tax set-asides
- +App craft
- +Free core
- +Freelancer language
What to watch
- −Not a bank
- −Not for headcount
- −US only
Legal entity, not the app icon
Who is behind it
- Legal name
- Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC (found.com footer and Lead Bank terms of service).
Who holds the money
The account
- Partner bank
- Lead Bank, Member FDIC
- Remote open
- US small-business fintech. US entity KYC. Not a personal IBAN.
- Onboarding
- US business KYC through Found; the deposit account is at Lead Bank.
- KYC documents
- Business and owner identity as Lead Bank requires.
- Minimum age
- Business / operator KYC, not a teen product.
- Salary / payroll
- US business checking at Lead Bank can take receivables and payroll. Found is not the FDIC member.
- Local rails
- US ACH / debit.
How money actually moves
- Who holds the cash
- Current account at a partner bank
- How money moves
- ACH / USD
- Built for
- Business · Freelancer
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Found lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Pass-through FDIC at Lead Bank, Member FDIC. Found is not a bank. Do not use the old Piermont name — Found’s 2026 footer names Lead Bank.
Who holds the money: Piermont Bank / program partners
- FDIC (partners)Fintech with partner banks · United States
Fees
- Monthly
- Free core
- FX markup
- US domestic
- ATM
- ATM network on plan
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Tax buckets
- Invoicing
- Bookkeeping-lite
- Debit
- Estimates
Before you tap Sign up
How to open
Step 1
Found is not a bank
Lead Bank, Member FDIC, holds the deposits. Found’s own TOS says so.
Step 2
US business KYC
Small-business checking stack. Not a personal current account.
Step 3
Ignore stale partner names
If a directory still says Piermont, it is out of date. Official 2026 copy is Lead Bank.
Operator documents
Their own papers
These are the operator’s documents. They outrank this review if they disagree.
Score
- Safety25%
- 7.2
- Fees20%
- 8.8
- Features15%
- 8.2
- App15%
- 8.8
- Global15%
- 2.8
- Support10%
- 7.2
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
Straight answers
FAQ
01Is Found a bank?
No. Found is filed as Fintech with partner banks. The money sits with Piermont Bank / program partners.
02What happens to money in Found if it fails?
Eligible deposits sit at Piermont Bank and named partners under FDIC. Found itself is not the insured bank.
03What does Found charge each month?
The monthly fee on this file is Free core. Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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