Found

Give incoming money a destination

A Pocket can hold money for taxes, supplies or another business purpose. Set its name, color and optional savings goal, then use its account number for direct incoming payments. To divide future deposits automatically, open the Pocket’s settings and choose Deposit Allocation. Setting the allocation to zero stops that rule.

If an allocation would leave the Primary balance negative, the full deposit goes to Primary instead. Once that condition is cleared, later deposits follow the normal allocation rules. Deposit activity shows how the money was divided.

For a manual move, choose Move Money, Internal transfer, then the sending Pocket, destination and amount. You can also choose a Pocket when making a bank payment or link a card to spend directly from it.

Plans and common payment charges

All plans include unlimited standard electronic bank transfers through ACH and incoming domestic wires. Sending a domestic wire costs $15 on Free or Plus and $10 on Pro. Sending a paper check costs $1 on Free or Plus and is included on Pro. Paid plans have a 30-day trial; the free account remains available after cancellation.

Delegating card spending

Give each team card a spending limit and lock or unlock it when needed. A purchase above its limit is declined and triggers a notification. Each business can have up to ten physical and twenty virtual team cards; virtual cards are free and physical cards cost $5 each. Team-card management works on desktop, iOS and Android.

The account is for business use. Applicants must be adults who are US citizens or lawful permanent residents, with a qualifying US address, identification and tax details. Found may also request business and beneficial-owner documents. Found describes itself as a financial technology company, with banking services provided by Lead Bank.