Found

Found is a business account for self-employed people with the bookkeeping and the tax set-aside built into it, so expenses categorise themselves as they land and the quarterly estimate is on screen rather than in April. It invoices, pays contractors and files 1099s. The free plan has no monthly fee and no minimum balance, which is the reason to look at it before a bank.

The free plan is the account, the card, invoicing, contractor payments, 1099 filing and the tax estimate, with no monthly fee and no minimum balance. Found Plus is $35 a month or $315 a year and adds imported transactions from other banks and cards, unlimited categorisation rules and 1.50% on balances up to $20,000. Found Pro is $80 or $720, pays 2.50% with no cap, returns 1% on card spend and comes with an account manager. Both paid tiers have a 30-day trial and you keep the free plan if you cancel. Read the fee table rather than the plan cards: wires are $15 and cheques $1 each on the free tier, and both get cheaper further up.

Sole traders and single-member companies in the United States who are running a business through a personal current account and want the bookkeeping to stop being a January problem. It is no use outside the US, and a business with staff and stock will outgrow it.