Overview
Found, at a glance.
Found is a fintech company, accounts held at lead bank headquartered in the United States. The company behind Found is Indie Technologies, Inc.; accounts are provided by Lead Bank. Business accounts cost from $0 a month. Opening an account takes 3–5 days.
Found is not a bank. Accounts are held at Lead Bank, Member FDIC; funds are FDIC-insured up to $250,000 per depositor for each ownership category, and Lead Bank may place deposits at other FDIC-insured banks through IntraFi.
Why businesses pick Found
- A free plan with no opening fee
- Free, unlimited ACH transfers
- Bookkeeping, tax estimates and invoicing built in
- Open to sole proprietors, LLCs, corporations, partnerships and non-profits
- Trustpilot score of 4.3 from more than 1,500 reviews
Watch out for
- Only for US citizens or permanent residents with a US address and SSN
- US dollars only; no international wires
- Domestic wires out cost $15 ($10 on Pro)
- Foreign-owned and non-US entities refused
- Betting, crypto-related money services, cannabis, firearms and payday lending refused
Business fit
Will Found accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Found's published rules
Likely no
Found does not list United Kingdom among the countries where it accepts companies.
Found does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Found publishes about the businesses it takes on.
Who Found serves
- Freelancers
- Startups and SMEs
- Creative
- Professional services
- E-commerce
All 10 industries on Found's accepted list
- Small business owners
- Consultants and fractional workers
- Independent contractors
- Self-employed professionals
- Creators
- Photographers
- Marketing consultants
- Private-practice therapists
- E-commerce entrepreneurs
- Brick-and-mortar shop owners
Not supported
Industries and countries Found does not accept, from its own published lists.
Industries
- Regulated or illegal products or products imposing undue risk
- Activities causing measurable reputational damage
- Drugs, drug paraphernalia, medical marijuana and cannabis seeds
- Tobacco, e-cigarettes and e-liquid
- Weapons, firearms, firearm parts and ammunition
- Bestiality, rape, hate, violence, incest, child abuse imagery or child pornography
- Intellectual-property infringement, counterfeit products and unauthorised licensed-material sales
- Internet/mail/telephone order age-restricted products and certain online pharmacies
- Betting, lottery tickets, casino gaming chips, off-track betting and race wagers
- Get-rich schemes and unauthorised multi-level marketing
- Inbound or outbound telemarketing companies
- Payday lenders, prepaid cards, checks, insurance or other financial merchandise/services
- Money services businesses, wire transfers and money orders
- Credit protection, counselling, repair or identity-theft protection
- Securities, investment and credit services, money/legal services, bankruptcy attorneys and debt collection
- Bail-bond services
- Political fundraising and PAC fundraising
- Activity designed to circumvent card-brand or regulatory rules
- Foreign-owned entities or entities based outside the United States
Countries
- Not published
Coverage
Where can you use Found?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
USD only
- USD
Payment reach
Not published
Who can apply
Company incorporation countries1 countries · show list
- United States
Owner nationality
Not publishedOwner residency1 countries · show list
- United States
Company types
Sole proprietors, Single- and multi-member LLCs, Corporations, Partnerships and limited partnerships, LLPs, Non-profits
Pricing
What does Found cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Free
Monthly fee
$0–80
depends on plan
Found
Lowest cost$0 per month
$0 setup · $0 in year one
Found Plus
$35 per month
$0 setup · $420 in year one
Found Pro
$80 per month
$0 setup · $960 in year one
Transaction fees
| Cost | Found | Found Plus | Found Pro | How it is charged |
|---|---|---|---|---|
| Incoming | ||||
| ACH / local USD | Free | Free | Free | No charge |
| Outgoing | ||||
| ACH / local USD | Free | Free | Free | No charge |
| Local transfer to another bank | $15 | $15 | $10 | Fixed fee · Domestic wire |
Other fees
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Physical card issue | Free | No charge |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Sign up
Start online or in the Found app with your legal name, US address, date of birth and SSN.
- 2
Business details
Incorporated businesses add the EIN, legal name, address and state registration.
- 3
Verification
Answer questions on business type and taxes and complete identity checks.
- 4
Account live
Customise your debit card and add funds.
Documents you need
Not published
FAQ
Your questions, answered.
Is Found a bank?
No. Found is a financial technology company; banking services are provided by Lead Bank, Member FDIC, and deposits are FDIC-insured up to $250,000.
How much does Found cost?
The Found plan is free. Found Plus costs $35 a month and Found Pro $80. ACH transfers are free; domestic wires out cost $15, or $10 on Pro.
Can a non-US resident open a Found account?
No. Found is only for US citizens or lawful permanent residents with a US residential address and SSN; foreign-owned entities and entities based outside the US are refused.
Which businesses does Found not accept?
Its list includes betting and lotteries, drugs and cannabis, tobacco, weapons, money services and wire transfers, payday lending, securities and investment services, telemarketing, debt collection and political fundraising.
Alternatives
How Found compares.
If Found is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 FoundThis pageFintech company, accounts held at Lead Bank | Not published | US business accountBookkeeping |
 RelayFintech company |  | US business accountNon-residents accepted |
 NovoFintech company | | US business accountFree account |
 LiliFintech | | Free planNon-resident founders |
 MercuryFintech company | | US business accountNon-residents accepted |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.