# Found: US business checking

> US business checking with bookkeeping and tax tools built in, for self-employed people and small businesses: a free plan, Plus at $35 and Pro at $80 a month, free ACH, a Mastercard debit card and FDIC insurance through Lead Bank. Only for US citizens or permanent residents.

Finzil profile: https://finzil.com/providers/found · Provider website: https://found.com · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** from $0 (Plus $35, Pro $80)
- **Setup fee:** Free
- **Currencies:** 1 (USD only)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Fintech company, accounts held at Lead Bank
- **IBAN:** No IBAN; US account and routing numbers
- **Payment rails:** ACH, domestic wires
- **Cards:** Virtual and physical Mastercard
- **Safeguarding:** FDIC insurance through partner bank
- **Non-residents:** Not accepted
- **Remote opening:** Yes
- **Headquarters:** United States
- **Currency codes:** USD
- **Trustpilot:** 4.3 from 1,552 reviews (checked 2026-10-20)

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not accepted
- **Countries of incorporation accepted:** United States (only these)
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** United States
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Sole proprietors, Single- and multi-member LLCs, Corporations, Partnerships and limited partnerships, LLPs, Non-profits

## Industries

- **Industries served:** Freelancers, Startups and SMEs, Creative, Professional services, E-commerce
- **Prohibited industries (provider's own list):** 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 (source: https://found.com/help/using-found/prohibited-businesses)
- **Permitted industries (provider's own 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

## Licences

- Operated by: Indie Technologies, Inc.; accounts provided by Lead Bank

Safeguarding: 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.

## Fees

Source: https://found.com/pricing (checked 2026-10-20)

### Plans

- **Found:** Free
- **Found Plus:** 35 USD a month
- **Found Pro:** 80 USD a month

### Incoming

- ACH / local USD: Free

### Outgoing

- ACH / local USD: Free
- Local transfer to another bank (Found) (Domestic wire): $15
- Local transfer to another bank (Found Plus) (Domestic wire): $15
- Local transfer to another bank (Found Pro) (Domestic wire): $10

### Cards

- Physical card issue: Free

## Opening an 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: Not published

## Pros and cons

- Pro: A free plan with no opening fee
- Pro: Free, unlimited ACH transfers
- Pro: Bookkeeping, tax estimates and invoicing built in
- Pro: Open to sole proprietors, LLCs, corporations, partnerships and non-profits
- Pro: Trustpilot score of 4.3 from more than 1,500 reviews
- Con: Only for US citizens or permanent residents with a US address and SSN
- Con: US dollars only; no international wires
- Con: Domestic wires out cost $15 ($10 on Pro)
- Con: Foreign-owned and non-US entities refused
- Con: Betting, crypto-related money services, cannabis, firearms and payday lending refused

## Finzil's take (opinion)

Found is a good fit for a US freelancer or one-person business that wants banking and bookkeeping in one place, with a usable free plan. It is strictly for US residents with an SSN; owners abroad should look at Relay or Mercury instead.

## Alternatives

- [Relay](https://finzil.com/providers/relay): Fintech company · US
- [Novo](https://finzil.com/providers/novo): Fintech company · US
- [Lili](https://finzil.com/providers/lili): Fintech · United States
- [Mercury](https://finzil.com/providers/mercury): Fintech company · US

## FAQ

**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.

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