Alternatives
Found scores 7.3. These are live products NeoBankDB would open next — each with a full review, not a leftover affiliate tile.
4.8 user score on Found · compare licences below
| Found |  Novo |  Bluevine |  Mercury |  Yuh | |
|---|---|---|---|---|---|
| Editorial score | 7.3 | 6.9 | 7.0 | 7.6 | 7.6 |
| HQ | San Francisco | New York | Jersey City | San Francisco | Gland |
| Monthly | Free core | Free checking | Free checking SKU; factoring and extras priced | Free core operations | No fees whenever possible — live list on yuh.com/en/pricing |
| Protection | Pass-through FDIC at Lead Bank, Member FDIC. Fou | FDIC via Middlesex Federal and partners | FDIC pass-through via Coastal Community Bank and | Pass-through FDIC at Choice Financial Group and | Yuh itself is not a bank. Banking sits at Swissq |
| Card | visa | mastercard | mastercard | visa | mastercard |
| Users | Self-employed base | 200k+ businesses | 500k+ businesses | 200k businesses | Swiss all-in-one app |
#1 alternative
Simple US business checking for freelancers and small LLCs.
4.5
New York · 200k+ businesses · ~$140M raised
Novo is the on-ramp. Relay or Mercury is the upgrade.
Best for: US sole-props who found Mercury too start-up and Chase too 1998.
#2 alternative
US business checking and invoice factoring. Partner-bank, not a charter.
4.5
Jersey City · 500k+ businesses · ~$300M raised historically
Bluevine (not Bluewine) is the US SMB checking + cash-flow brand. Mercury is prettier for start-ups. Relay is for multi-account ops.
Best for: US SMBs that want checking plus working-capital, and will read the partner-bank line.
#3 alternative
The US start-up current account, built with partner banks.
4.6
San Francisco · 200k businesses · ~$150M raised
If you are a Delaware C-corp, Mercury is the opening account. If you invoice in AUD and EUR, add Airwallex or Wise Business.
Best for: US-incorporated start-ups that need a beautiful operating account.
#4 alternative
Yuh is not a bank. Swissquote Bank Ltd is. esisuisse cover is CHF 100,000, shared.
Gland · Swiss all-in-one app · Swissquote (100% after July 2025)
Yuh is not a bank. The English homepage says it in one paragraph: Swissquote Bank Ltd provides the banking, FINMA authorises that bank, and esisuisse cover is CHF 100,000 shared with Swissquote. July 2025 ended the PostFinance joint venture. If you already hold cash at Swissquote, do not count CHF 100,000 twice. Zak is Bank Cler. Neon sits at Hypothekarbank Lenzburg. Read those files separately.
Best for: People who live in Switzerland and want spend plus invest, and who accept Swissquote as the bank.
#5 alternative
J.P. Morgan Europe Limited trading as Chase. UK bank, PRA/FCA, FSCS up to £120,000.
London · UK digital bank · JPMorgan Chase
Chase UK is a bank. The legal name is J.P. Morgan Europe Limited. PRA-authorised, FCA-regulated, FSCS up to £120,000. It is a useful UK current account with honest travel spend. It is not Revolut’s multi-country stack and not a US Chase login. UK tax residents only.
Best for: UK residents who want a JPMorgan current account in an app, with FSCS, and cheap travel spend.
#6 alternative
Calgary fintech. Not an OSFI bank. Eligible cash sits in trust at CDIC-member institutions.
Calgary · Canadian fintech · Private
Neo Financial is not a bank. Neo Financial Technologies Inc. is a Calgary fintech, a FINTRAC money-services business and a payments-Canada PSP. CDIC cover, when it applies, follows the member institution that holds the funds in trust — Peoples Bank of Canada is named on the HISA. File it as a Canadian app with a partner-bank deposit, not as EQ Bank.
Best for: Canadian residents who want the Neo app and will read which CDIC member holds the cash.
Found is scored 7.3. Weaknesses on this file: Scale of firm. Alternatives above are scored independently, not paid placements.
Coverage is per product. Open the country page and the individual review — a UK bank licence does not travel, and an EMI is not FSCS.
Use Compare on any card, up to four products, then open compare.
