Found vs Citibank

Found is a free business banking app with good tax tools, but lacks some basic features. How does it compare to Citibank? 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 Citibank has over 600 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

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

	Found	Citibank
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Free Business Banking for the Self-Employed - Learn More Read Found Review	OFFER Citi Checking - $1,500 Bonus Read Citibank Review
	Benefits and Features
Savings	Only includes a Tax Savings Account with auto-save feature	Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD		6-Month Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 1-Year Fixed Rate CD - 0.10% APY 3-Month Fixed Rate CD - 0.05% APY
Checking	No required monthly fees; no minimum balance fees; no overdraft fees
Monthly Fee	$0
Money Market
APY	N/A
Minimum Deposit to Open	$0
Mobile App		iOS & Android
ACH Transfer Fee	$0
ATMs	Any ATM that accepts Mastercard; No ATM fees from Found, but owner may charge a fee	More than 65,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
Balance Requirement	$0
Cash Deposit Fee	$2
Customer Service	Monday – Friday 9am – 5pm PST	24/7 Live Customer Service (Telephone)
Incoming Wire Transfer Fee	N/A
IRA CD
IRA Money Market
Locations	Online only	645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
Out of Network ATM Fee	Standard ATM fees charged by the owner
Outgoing Wire Transfer Fee	N/A
Overdraft Fee	$0
	CreditDonkey® Reviews

Savings
Minimum Deposit
Checking
Mobile App
Customer Service
CD
Pros & Cons	Pros: No required monthly fees Built-in tax tools Unlimited invoicing Cons: No free ATMs No APY with the free version Fee to deposit cash	Pros: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY
Bottom Line	Free business banking app with good tax tools, but lacks some basic features... Read full review	Large national bank best for high balance customers... Read full review
	Visit Site	Learn More
	Free Business Banking for the Self-Employed Found Plus Business Banking
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Citibank: Pricing information from published website as of 05/07/2025. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

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.

Get Deal

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.

Get Deal

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

Get Deal

Which is Better: Found or Citibank?

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

In short: Found's checking is impressive.

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.