Found Pro costs $720 a year on annual billing, and it pays 2.5% APY on every dollar in the account plus 1% cash back on debit card spending. Run the numbers and the plan roughly pays for itself once a self-employed owner keeps an average balance of about $28,800, or less if the card sees regular use. Below that, the free Found account or the $35-a-month Found Plus tier makes more sense. Found Pro is the top tier of Found, a banking and bookkeeping app for freelancers and small businesses, which the company introduced in a feature spotlight dated December 17, 2025. We have not tested the account; every price and feature below comes from Found’s own pages, checked in October 2026.
Key Takeaways
- Found has three plans: free, Plus at $35 a month ($315 a year) and Pro at $80 a month ($720 a year).
- Pro pays 2.5% APY with no balance cap, 1% cash back on debit card purchases, free paper checks and $10 outgoing wires instead of $15.
- Plus caps its 1.5% APY at $20,000, so the most it can earn is $300 a year, less than the $315 annual fee.
- Found’s bookkeeping is cash-basis only, it has no dedicated sales tax features and it does not file tax returns.
- Found is a fintech, not a bank. Deposits are held at Lead Bank, Member FDIC.
What Found Is, and Where Pro Fits
Found combines a business checking account with the bookkeeping and tax tools a sole proprietor would otherwise buy separately. The free plan already includes a Mastercard debit card, up to 20 sub-accounts called Pockets, expense categorization, receipt scanning, a profit and loss view, running tax estimates, contractor payments with W-9 collection and 1099 e-filing, and unlimited invoicing, according to Found’s pricing page. Banking services come from Lead Bank, Member FDIC, and deposits are insured up to $250,000 per depositor for each ownership category.
The paid tiers sell two different things. Plus adds workflow: importing transactions from other banks and cards, unlimited categorization rules and tags, quarterly federal tax payments from inside the app, and priority phone support. Pro keeps all of that and adds rewards: a higher, uncapped yield, cash back, a dedicated account manager, a black stainless steel debit card and cheaper checks and wires. Found’s help center describes Pro as the tier for businesses that want to maximize rewards.
Found Pricing as of October 2026
| Feature | Found (free) | Found Plus | Found Pro |
|---|---|---|---|
| Monthly price | $0 | $35 | $80 |
| Annual billing | None | $315 | $720 |
| APY | None listed | 1.50% on balances up to $20,000 | 2.50% on all balances |
| Debit card cash back | No | No | 1% |
| Outgoing wire | $15 | $15 | $10 |
| Paper check sent | $1 | $1 | $0 |
| Quarterly tax payments in app | No | Yes (Schedule C filers) | Yes (Schedule C filers) |
| Custom rules, tags, categories | One of each | Unlimited | Unlimited |
| Support | Live phone and email | Priority phone | Priority plus dedicated account manager |
Source: Found pricing page. APY is variable. Both paid plans come with a one-time 30-day free trial, and the help center says a customer who has already used a Plus trial cannot get a separate Pro trial. Upgrading from a Plus trial to Pro carries the remaining days over.
Fees That Apply on Every Plan
No plan carries a monthly account fee or minimum balance, but transaction fees remain. Found’s fee schedule lists:
- Cash deposits: $2 per deposit.
- Instant Payments out: 1.75% of the amount, with a $0.50 minimum and a $50 cap. Receiving is free.
- Express transfers: 1%, minimum $0.50, capped at $25, arriving the same or next business day.
- ATMs: no Found fee, though the machine’s operator may charge one. The pricing page sets a $550 daily withdrawal limit.
- Dormancy: $10 after 12 consecutive months without activity.
Pro Features in Detail
- Uncapped 2.5% APY: paid as a monthly balance bonus on the first day of each month, with no tiers, per the help article. The rate is variable.
- 1% cash back: covers purchases on the owner’s card and team members’ cards. ATM withdrawals, person-to-person transfers such as Venmo or Zelle, and cash equivalents like money orders and gift cards are excluded. Found’s help page mentions no cap.
- Account manager: reachable by email or a call booked in the app, for setup and help with Found’s tools.
- Metal card: one per business, available only after the trial ends and the first $80 or $720 charge goes through. Paying early during the trial also makes it available.
- Cheaper outflows: $0 per check sent and $10 per outgoing wire.
Is Found Pro Worth $80 a Month?
It depends almost entirely on the balance you keep and how much you spend on the card. Ignoring wires, Pro covers its $720 annual fee when 2.5% of the average balance plus 1% of card spend reaches $720. With no card spending, that point is an average balance of $28,800. With $24,000 a year on the card, which earns $240 back, it falls to $19,200. Our break-even calculator guide uses the same logic for pricing decisions.
Plus works differently. Its 1.5% APY stops at $20,000, so interest tops out at $300 a year against a $315 annual fee ($420 if billed monthly). The Plus subscription cannot pay for itself through interest; it is worth buying for the imports, unlimited rules and in-app quarterly tax payments.
Worked Example: A Consultant With a $30,000 Balance
Take a one-person consulting firm with a $30,000 average balance, $2,000 a month ($24,000 a year) of debit card spending, and two outgoing wires a month. Plans are billed annually; APY is treated as a simple annual yield on the average balance.
| Line | Free | Plus | Pro |
|---|---|---|---|
| Interest | $0 | $300 (1.5% of $20,000) | $750 (2.5% of $30,000) |
| Cash back | $0 | $0 | $240 |
| Wires (24 a year) | -$360 | -$360 | -$240 |
| Subscription | $0 | -$315 | -$720 |
| Net for the year | -$360 | -$375 | +$30 |
Pro comes out $390 ahead of the free plan here, and Plus finishes $15 behind it. Shrink the picture to an $8,000 balance and $12,000 of yearly card spend with no wires, and the order flips: Plus nets about -$195 and Pro about -$400, while the free account costs nothing. For many freelancers with lumpy income, the free plan plus a separate high-yield savings account will beat both tiers on pure dollars.
Who Found Pro Suits, and Who Should Skip It
- Suits: sole proprietors and single-member LLCs that hold $30,000 or more in the business account, put most expenses on the debit card, send wires or paper checks regularly, and want a named contact.
- Suits: S-corp owners who want banking and bookkeeping in one place; Found says businesses taxed as S-corps get a Form 1120-S report.
- Skip: owners whose balance swings near zero between client payments. The yield is the main reason to pay.
- Skip: businesses that need accrual accounting, inventory, sales tax filing or payroll for employees.
- Skip: C-corps expecting tax forms. Found says it does not generate C-corp tax forms.
Limits Worth Knowing Before You Sign Up
Found’s own comparison with QuickBooks is candid about the gaps. Its reports work for cash-basis businesses only and are not compatible with accrual accounting. It has no dedicated sales tax features. It does not file tax returns and does not replace an accountant. The page lists no third-party accounting integrations, so data stays inside Found. On the plus side, one login can hold up to five businesses, each with its own account number and reports, and Schedule C filers get an auto-generated Schedule C. That profile fits many new solo service businesses, such as a pressure washing business in Florida or a mobile dog grooming business in North Carolina.
The fee schedule does not say whether international wires are supported, so anyone paying overseas contractors should ask before moving their banking. Cash-heavy businesses should also price in the $2 fee on every cash deposit.
Found Pro Alternatives
| Product | Paid tier price | What it offers instead |
|---|---|---|
| Relay | Grow $30/mo; Scale $90/mo (listed at $120, discounted for a limited time) | Up to 20 checking accounts (50 on Scale), savings APY up to 3.21% on Scale, bill pay automation. Free Starter plan. |
| Mercury | Plus $29.90/mo; Pro $299/mo | Free domestic wires and ACH on every plan, free USD international wires (SHA), unlimited 1099 filings on Plus. |
| Lili | Pro $15/mo; Premium $55/mo | Automatic tax savings and, on higher tiers, pre-filled Schedule C, 1065 and 1120-S reports. |
| QuickBooks Solopreneur | Lite $20/mo | Bookkeeping only, with unlimited invoicing and mileage tracking; no bank account included. |
Prices as of October 2026. Mercury’s pricing FAQ mentions paid plans from $35 a month while its plan card shows $29.90, and Lili’s page lists two different prices for its Smart tier, so confirm at checkout. For a wider look at banking and money tools, browse our Tools and Finance sections. For a wider comparison, see our guide to QuickBooks Solopreneur alternatives for 1099 contractors.
This article is for information and education only and is not investment, tax or financial advice. Figures were checked on October 28, 2026; confirm current details with the official source or a registered adviser before acting.
FAQ
How Much Does Found Pro Cost?
$80 a month or $720 a year, after a one-time 30-day free trial. Found Plus costs $35 a month or $315 a year.
Is Found a Real Bank?
No. Found is a financial technology company. Accounts are held at Lead Bank, Member FDIC, with insurance up to $250,000 per depositor per ownership category.
What Is the Difference Between Found Plus and Found Pro?
Pro adds 2.5% APY with no cap (Plus pays 1.5% up to $20,000), 1% debit card cash back, a dedicated account manager, a metal card, free checks and $10 wires.
Can I Cancel Found Pro and Keep My Account?
Yes. Found’s pricing page says cancelling a paid plan returns you to the free Found account.
Does Found File My Taxes?
No. It estimates taxes, lets Plus and Pro users who file Schedule C make quarterly federal payments in the app, and prepares tax reports, but it does not file returns.
