Found vs Relay

Found is a free business banking app with good tax tools, but lacks some basic features. How does it compare to Relay? Read our comparison chart below.

Found is a business banking account for the self-employed. It keeps track of write-offs, auto saves for taxes, and even makes your quarterly tax payments for you. Plus, you get free unlimited invoices. There's no monthly fee.

While Relay lets you open up to 20 individual business checking accounts and 50 debit cards at no extra charge. There's also free cash deposits and free mailed checks through the app. There's no monthly fee.

Compare Found with Relay, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Found	Relay

	Visit Site	Visit Site
	SPECIAL OFFER Free Business Banking for the Self-Employed - Learn More Read Found Review	SPECIAL OFFER No-Fee Business Checking - Learn More Read Relay Review
	Benefits and Features
Savings	Only includes a Tax Savings Account with auto-save feature	Earn up to 3% APY: Earn 1% APY on savings balances of less than $50,000, 1.5% APY on savings between $50,000 and $250,000, 2% APY on savings balances between $250,000 and $1,000,000 and 3% APY on savings balances of more than $1,000,000.
Checking	No monthly fees; no minimum balane fees; no overdraft fees	Up to 20 individual business checking accounts; no monthly fees; no overdraft fees
Monthly Fee	$0	$0
APY	N/A	N/A
Minimum Deposit to Open	$0	$0
ACH Transfer Fee	$0	$0
ATMs	Any ATM that accepts Mastercard; No ATM fees from Found, but owner may charge a fee	55,000+ AllPoint ATMs
Balance Requirement	$0	None
Cash Deposit Fee	$2	$0 for cash deposits at Allpoint ATMs
Customer Service	Monday – Friday 9am – 5pm PST	Phone: Monday - Friday, 9 am - 5 pm ET; Email: Everyday
Incoming Wire Transfer Fee	N/A	$0
Locations	Online only	Online only
Out of Network ATM Fee	Standard ATM fees charged by the owner	Fee from ATM owner
Outgoing Wire Transfer Fee	N/A	$5 for domestic; $10 for international
Overdraft Fee	$0	$0
	CreditDonkey® Reviews

Savings
Minimum Deposit
Checking
Mobile App
Customer Service
Fees
Pros & Cons	Pros: No monthly fees Built-in tax tools Unlimited invoicing Cons: No free ATMs No APY with the free version Fee to deposit cash	Pros: Up to 20 checking accounts Up to 50 debit cards $0 monthly fee Earn interest with automated savings Cons: No paper checks
Bottom Line	Free business banking app with good tax tools, but lacks some basic features... Read full review	One of the best online business banking accounts for large teams... Read full review
	Visit Site	Visit Site
	Free Business Banking for the Self-Employed Found Plus Business Banking	No-Fee Business Checking

Free Business Banking for the Self-Employed

Banking, taxes, bookkeeping – all in one place
Automatically find tax write-offs and save for taxes
Track and categorize expenses with custom rules
Free unlimited custom invoices
Easy sign up; no credit check

Found is a financial technology company, not a bank. Business banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard Business debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

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Free Business Banking for the Self-Employed

$0 monthly service fees or minimums
Automatically find tax write-offs and track expenses
Auto-save for taxes
Photo receipt capture
Free unlimited custom invoices
Easy sign up; no credit check

Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The Found Mastercard® Debit Card is issued by Piermont Bank, Member FDIC.

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Found Plus Business Banking

$19.99/month or $149.99/year
Earn 1.5% APY on balances up to $20,000
Auto-import expense from receipt
Automatically find tax write-offs and track expenses
Pay taxes directly from the app
Free unlimited custom invoices
Custom bookkeeping categories
Priority customer support

Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The Found Mastercard® Debit Card is issued by Piermont Bank, Member FDIC

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No-Fee Business Checking

$0 monthly service fee
$0 minimum opening deposit
Open up to 20 individual business checking accounts
Earn up to 3% APY with automated savings
Issue up to 50 Visa® debit cards to your team

Banking services provided by Thread Bank and Evolve Bank & Trust; Members FDIC.

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Which is Better: Found or Relay?

Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing Found or Novo.

Articles on Found

Found Business Banking Review

Found Business Banking offers helpful tax and invoicing tools for self-employed people. But it lacks other basic features. Here's what you need to know.