Found is a neobank designed specifically for self-employed workers, freelancers, and sole proprietors, combining business banking with integrated tax tools that address the unique financial management needs of independent workers. The free business checking account provides a Visa debit card, instant payment receipt, and expense categorization. Found's integrated tax feature is the key differentiator — the app automatically sets aside a percentage of income for taxes, calculates estimated quarterly tax payments, tracks deductible expenses throughout the year, and prepares Schedule C and self-employment tax figures at filing time. This automatic tax-aware banking eliminates the common freelancer mistake of spending tax obligations, then scrambling to cover quarterly payments. The expense categorization engine suggests business or personal classifications for each transaction, building a deductible expense record automatically. Invoicing tools allow freelancers to create and send payment requests directly from the Found app. Found Plus adds a high-yield savings account with competitive APY, unlimited invoicing, advanced expense categorization, and year-round CPA access. ACH and wire transfers are supported for client billing and contractor payments. No minimum balance requirements, no monthly fees for the base tier, and no personal credit check for account opening. For freelancers who want to eliminate the separate bank account plus separate tax tracking tool setup with a single integrated solution, Found's banking-plus-tax approach covers the most common pain points in a clean mobile experience.
