Found

Eligibility at a glance

Requires SSN

Yes

Overseas operating address

No

Intl wire (out)

—

Virtual cards

TBD

Account manager

None

Best for

• US freelancers, sole proprietors and the self-employed
• Anyone who wants built-in invoicing + bookkeeping + tax tools

Where it falls short

• US residents with an SSN only — NOT available to non-residents
• No ITIN or passport option
• No international wires

Restricted industries

Documents to prepare

• US residency + an SSN (required; no ITIN or passport option)
• A US business or sole proprietorship (sole props supported)
• A US physical address (no virtual address)
• A US phone number

What the complaints are actually aboutUser reviews

The percentages below are shares of this bank's own negative reviews — not a rating, and not a probability of it happening to you. We pull only 1-2 star reviews, so the sample is larger than it looks; the composition of the complaints is what's comparable across banks.

Found's problem sits somewhere different from the deposit banks: its top complaint is fraud and dispute handling at 37%, ahead of closures at 23%. Several describe a compromised account and a denied claim — including one where the written response reportedly conceded the account was breached by a remote-access trojan, yet zero-liability protection was refused under the business-account terms. Its complaint rate, 3.2 a month, is a quarter of the top three — see the cross-bank comparison.

Method: public Trustpilot reviews, aggregate counts only — no review text is reproduced. Lifetime negative counts come from Trustpilot's own star distribution, not from a sample. Themes are keyword-matched, so one review can match several and the percentages don't sum to 100%.