Found review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Found serves businesses and freelancers who want a business checking account with Pockets sub-accounts rather than a spread of savings pots. The headline rate is 1.5% to 2.5%, the rate type is variable, and the interest lands on the balance only through a paid subscription.
Key facts
- Best for
- A business checking account with Pockets sub-accounts and no monthly maintenance fee, run for freelancers and small firms.
- Headline rate
- 1.5% to 2.5%↗
- Rate type
- Variable↗
- Minimum deposit
- $0↗
- Access terms
- Business checking with Pockets sub-accounts, no minimum balance and no monthly maintenance fees; interest is paid only on the paid Found Plus or Found Pro subscription.↗
- Monthly fee
- $0↗
- Account kind
- Cash management↗
- Legal entity
- Indie Technologies, Inc. (dba Found)↗
- Headquarters
- United States↗
- Founded
- 2019↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- found.com
Everyday accounts
Money transfer
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- Pockets sub-accounts keep tax, income and spending money apart in the same balance, and the account is built as cash management rather than a savings pot.
- Support runs on email, phone and help centre, so a question can reach a person on the phone rather than sitting in a form queue.
- Delivery runs Instant to 1-2 business days and payouts go to bank, card and wallet, so money can land in a bank account, a card or a wallet.
- The feature list includes no credit check, so opening does not turn on a credit file review.
- The operator behind the balance is a named company, Indie Technologies, Inc. (dba Found), founded 2019 and based in the United States.
Cons
- Interest lands on the balance only through a paid subscription, either Plus or Pro, so the 1.5% to 2.5% rate needs a paid plan to count.
- Wires, instant payments, express transfers and paper cheques carry charges on the fee schedule, and the lower rates come with the paid Pro subscription.
- Support runs on email, phone and help centre only, so live chat is not among the routes to a person.
- Local payment details are listed as us ach, so the account is built around US bank transfers rather than local rails in other markets.
Who it suits
- Freelancers and small businesses that want Pockets sub-accounts to hold tax, income and spending money apart in a business checking account.
- Businesses that want help by phone as well as email, since support runs on email, phone and help centre.
- Sole traders without a credit file behind them, given no credit check on the feature list.
Who should look elsewhere
- PayPal Colombia, listed at 3.3%, if a higher headline rate matters more than running a business balance in sub-accounts.
- Plazo ES, listed at 24.19%, if the aim is a card rate rather than an account that runs on US bank transfers.
- AXI Card Tarjeta y Credito, listed at 21.59%, for anyone after a card rate instead of a fee-free business account.
Access to your money
Found is a cash management account built around business checking rather than a personal savings pot. The access terms are plain. You open business checking, and Pockets sub-accounts sit inside it, so a sole trader can start moving money without first finding a threshold to clear. Those named pots are the reason to hold a balance here, since each one keeps tax, income and spending money separate while sharing the same balance. There is no minimum balance to maintain and no monthly maintenance charge to budget for. The catch sits in the same terms: the interest reaches you only if you hold a subscription, either Plus or Pro, so a free account holds and moves money but earns nothing. The rate that subscription unlocks is variable, so the return follows the market rather than being locked in for a set term. For a business that treats its balance as working capital, that is workable. For a business hoping to earn on held cash, it is a paid upgrade.
Fees and FX
The headline cost numbers sit at the cheap end of the range. The monthly fee is $0 and the minimum deposit is $0, so there is no standing charge to budget around and no balance to keep above a floor. The median monthly fee across the site's listings is €0, and the model those listings most often run on is 91.7%, which is where Found sits. The highest monthly fee elsewhere in the site's listings reaches €449, so the free end is worth holding on to. The costs that do exist sit on the payment side rather than the account side: wires, instant payments, express transfers and paper cheques are chargeable, with the lower rates tied to the paid Pro subscription. Budget for the transfers rather than for holding the account.
Rates and card terms
The headline rate is 1.5% to 2.5% and the rate type is variable, so there is no fixed term product here and no return guaranteed for a set period. Against the site's listings the median headline rate is 3% and the lower quartile is 1.5%, which places Found's range below the middle of what the site holds. Within cash management accounts the median headline rate is 3.41%, and the variable rate type accounts for 88.9% of those listings. For a reader weighing cost against safety of the money, this interest is a bonus on a business account rather than the reason to open it. Fixed-term products sit elsewhere on the site, where the median headline rate runs 6%.
The company behind it
The account is run by Indie Technologies, Inc. (dba Found), headquartered in the United States and founded 2019, so the name on the terms is a specific operating company rather than a trading label alone. Support runs on email, phone and help centre, which covers phone and email as well as a help centre, and a business holding its own cash can reach a person rather than filling in a form. The operator fits a company that bills and pays in dollars, with US bank transfers as the local rail. The 2019 founding date is the point to keep in view: it is a young operator, so the record is shorter than the long-established banks carry, and that belongs in the same judgement as the rates and fees above.
How Found compares
8.7 vs 8.6
8.7 vs 9.5
8.7 vs 8.0
8.7 vs 8.9
8.7 vs 8.9
8.7 vs 9.1
8.7 vs 9.1
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8.7 vs 8.7- 8.7 vs 8.0
8.7 vs 9.0
8.7 vs 8.1
8.7 vs 8.7
8.7 vs 8.0
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.0
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8.7 vs 8.5
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8.7 vs 8.5
8.7 vs 8.4
8.7 vs 8.3
8.7 vs 9.0
Where Found is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Found charge each month?+
The monthly fee is $0 and the access terms set no monthly maintenance charge either, so holding the account costs nothing on its own. The charge to plan for sits on payments, where wires and instant transfers are billable and cheaper on the paid Pro subscription. Support runs on email, phone and help centre if a fee needs unpacking.
Is there a minimum balance needed to keep the account open?+
The minimum deposit is $0, and the access terms also rule out a minimum balance, so nothing has to sit in the account to keep it open. Pockets sub-accounts sit inside a business checking account, which lets a freelancer keep tax money and invoice money apart. Support runs on email, phone and help centre for balance questions.
What rate does Found pay on the balance?+
The headline rate is 1.5% to 2.5% and the rate type is variable, so the return moves with the market rather than being fixed for a term. That rate reaches the balance through a paid subscription, either Plus or Pro, and on the free account the money sits without earning. Across the site the median headline rate is 3%.
How do I withdraw money, and how quickly does it arrive?+
Payouts go to bank, card and wallet, and delivery runs Instant to 1-2 business days, so some payments land instantly and others take a business day or more, depending on the rail. Local payment details are listed as us ach, which centres the account on US bank transfers. Wires, instant payments and express transfers carry their own charges on the fee schedule.
Do I need a credit check to open a Found account?+
The feature list includes no credit check, so opening does not turn on a credit file review. Found serves business and freelancer, and a business checking account here carries Pockets sub-accounts, so a freelancer can name one for tax money and another for invoices. Support runs on email, phone and help centre through the application and after it.
Who is Found built for?+
Found is aimed at business and freelancer, and the account follows that audience: business checking at the base, Pockets sub-accounts inside it, and no monthly maintenance charge to budget for. A sole trader can hold invoice money, tax money and spending money apart in the same balance. The interest on the balance is the part that needs a subscription.
Who runs Found and how do I reach them?+
The terms name Indie Technologies, Inc. (dba Found) as the operator, headquartered in the United States and founded 2019. Support runs on email, phone and help centre, so a question can go to a person on the phone as well as through email or the help centre. The operator is young by comparison with the long-established banks, which is worth weighing alongside the account terms.
What if I want a fixed rate instead of a variable one?+
The rate type at Found is variable and the headline rate is 1.5% to 2.5%, so the return is not guaranteed for a set period. Fixed-term products sit elsewhere on the site, where the median headline rate runs 6%. Found's job is running a business balance, and the rate is a bonus on the paid plans.
Sources
- found.com checked September 26, 2026
Backs: Audience
“Found is designed specifically to help small business owners with their finances.”
- found.com/about checked September 26, 2026
Backs: Founded
“Founded in 2019 by a team with deep experience in taxes, accounting, and financial services”
- found.com/business-banking/payments-and-transfers checked September 26, 2026
Backs: Delivery time, Payout methods
“They can receive funds instantly via debit card transfer, within 1-2 business days through bank account transfer, or through popular digital wallets like PayPal, Venmo, or Cash App.”
- found.com/legal/fee-schedule-lead checked September 26, 2026
Backs: Free ATM withdrawals, Minimum deposit, Transfer fee, Fee to send 1,000
“Found does not charge you for ATM withdrawals, but some ATMs may add their own fee”
- found.com/legal/tos-lead checked September 26, 2026
Backs: Headquarters, Legal entity
“by regular mail at 981 Mission Street #64, San Francisco, CA 94103”
- found.com/pricing checked September 26, 2026
Backs: Access terms, Account kind, Features, Headline rate, Local account details, Pricing model, Monthly fee, Rate type, Support channels
“No required hidden fees or minimum balance”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.
Related by the facts
Found
A business checking account with Pockets sub-accounts and no monthly maintenance fee, run for freelancers and small firms.