United States
activeBusiness banking
- HQ
- New York
- Fee
- Free checking
Found
US banking for the self-employed: taxes, invoices, and a debit card.
Rate this app
7.3Solid
AlternativesOur take
Desk verdict
Found is the freelancer current account. Novo is generic SMB. Relay is multi-entity ops.
Found is a fintech for sole props. Partner banks hold eligible deposits. The product is tax-aware checking.
Found lists Fintech with partner banks under FDIC (partners) in United States. On safeguarding we currently write: FDIC via Piermont Bank and partners. Holder / issuer line: Piermont Bank / program partners. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Free core; FX US domestic; ATM ATM network on plan. This desk would open it for: US freelancers who hate QuickBooks more than they hate banks.
What it does well: Tax set-asides; App craft; Free core. What to watch: Not a bank; Not for headcount; US only. Desk score 7.3 / 10 (safety 7.2, fees 8.8, features 8.2, app 8.8). Last verified 2026-08-01. Headquartered in San Francisco, United States; founded 2019. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: US freelancers who hate QuickBooks more than they hate banks.
Pros
- +Tax set-asides
- +App craft
- +Free core
- +Freelancer language
Cons
- −Not a bank
- −Not for headcount
- −US only
How it actually works
- Custody
- Insured bank deposit
- Local rails
- ACH / USD
- Built for
- Business · Freelancer
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Fintech reviews can pause inbound while they check a transfer
- Pay surface
- visa · physical · virtual · Apple Pay · Google Pay
Safety
FDIC via Piermont Bank and partners
Holder / issuer: 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
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
FAQ
Is Found a bank?+–
Found is not a licensed deposit-taker in the classic sense. Money, if any, sits with Piermont Bank / program partners.
How is money protected?+–
FDIC via Piermont Bank and partners
Where is Found available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Found.
Card and wallets?+–
visa · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
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