Found
BUSINESS BANKING
Banking and bookkeeping for the self-employed.
// We may earn a commission if you sign up through this link, at no extra cost to you.
Overview
Found is a business bank account with built-in bookkeeping and tax tools designed for freelancers and sole proprietors. Simple money-plus-taxes in one app.
Key features
- Business banking
- Built-in bookkeeping
- Tax estimates and savings
- Invoicing
Found pricing: the free plan is the product, and when Plus or Pro pays for itself
Found's core plan is free and it is not a stripped-down teaser. Free includes the business checking account, bookkeeping, real-time tax estimates, contractor payments with 1099 e-filing, and unlimited invoicing, with no required fees or minimum balance. Paid tiers are Found Plus at $35 a month or $315 a year, and Found Pro at $80 a month or $720 a year, each with a 30-day free trial.
Plus adds 1.50% APY on balances up to $20,000, bank and card imports, unlimited auto-categorisation rules, custom tags and priority phone support. Pro adds 2.50% APY on all balances with no cap, a metal card, free unlimited paper checks and discounted wires.
The arithmetic on the interest alone. Plus costs $420 a year and the most it can earn you is 1.5% on $20,000, which is $300. So Plus does not pay for itself on interest; you buy it for the bookkeeping features. Pro costs $960 a year and earns 2.5% uncapped, so it breaks even at an average balance of roughly $38,000.
Per-item fees by plan: domestic wires are $15 on Free and Plus, $10 on Pro. Paper checks are $1 on Free and Plus, free on Pro. All plans earn 1% cash back on qualifying purchases.
// Prices checked on found.com/pricing on 9 September 2026. APY is variable and Found says it can change.
Found vs QuickBooks: a bank account with bookkeeping, versus bookkeeping software
This is a comparison people search for, but the two are different products. Found is a business bank account that does bookkeeping and tax estimates on top of the money that flows through it. QuickBooks is accounting software that connects to whatever bank you already have.
That difference sets the price logic. Found's core plan is free because it earns on the banking side. QuickBooks charges a subscription regardless of where you bank. For a sole trader whose whole business runs through one account, Found's free plan can replace a QuickBooks subscription outright. For a business with an accountant who expects QuickBooks files, or with several bank accounts and a payroll, Found is the wrong shape.
// Found prices checked on found.com/pricing on 9 September 2026. See the QuickBooks page on this site for its plans.
Found pricing
Free plan is full banking + bookkeeping; Found Plus $35/mo ($315/yr), Found Pro $80/mo ($720/yr).
See live pricing ↗// Pricing is set by Found and can change. We track entry pricing; verify the latest on their site.
Pros & cons
＋ PROS
- Banking + taxes in one
- Great for freelancers
－ CONS
- US sole-props only
Found alternatives
Other business banking tools for accounting worth comparing:
Frequently asked
How much does Found cost?
Free plan is full banking + bookkeeping; Found Plus $35/mo ($315/yr), Found Pro $80/mo ($720/yr).
What is Found best for?
Found is a business banking tool for accounting professionals. Banking and bookkeeping for the self-employed.
What are the best Found alternatives?
Popular business banking alternatives to Found include Relay. Compare them in our Accounting index.
Is Found free?
Yes, up to a point. Found has a free plan, and paid plans start at $0 per month. Free plan is full banking + bookkeeping; Found Plus $35/mo ($315/yr), Found Pro $80/mo ($720/yr).
Is Found worth it?
Found's main strengths are banking + taxes in one and great for freelancers. The trade-offs to weigh are us sole-props only. For most accounting professionals it is worth trying if those strengths match your priorities.