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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. Find out more

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. Find out more

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

 FoundRelay
 Visit SiteVisit Site
 

Found

Relay

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

SavingsOnly includes a Tax Savings Account with auto-save featureEarn 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.
CheckingNo monthly fees; no minimum balane fees; no overdraft feesUp 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
ATMsAny 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
N/A
$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 FeeStandard 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

 FoundRelay
SavingsStarStarStarEmpty StarEmpty Star
Minimum DepositStarStarStarStarStar
CheckingStarStarStarStarStarStarStarStarStarStar
Mobile AppStarStarStarStarStarStarStarStarStarHalf Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarEmpty Star
FeesStarStarStarStarStar
Pros & ConsPros:
  • No monthly fees
  • Built-in tax tools
  • Unlimited invoicing
Cons:
  • No free ATMs
  • No APY with the free version
Pros:
  • Up to 20 checking accounts
  • Up to 50 debit cards
  • $0 monthly fee
  • Earn interest with automated savings
Cons:
  • No paper checks
Bottom LineFree business banking app with good tax tools, but lacks some basic features... Read full reviewOne of the best online business banking accounts for large teams... Read full review
 Visit SiteVisit Site

No-Fee Business Checking

Found

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.
Found

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
Relay

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.

Which is Better: Found or Relay?

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 Chase.


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.

Articles on Relay

Relay Financial Review

Relay Financial offers online banking services for businesses. Yes, it is free. But, is it the right platform for you? Find out.

Which Do You Think is Best?





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About CreditDonkey
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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