Bluevine vs Found: business checking compared
By Carlos Gil · Founder & Editor, BestBalances
Facts checked Nov 8, 2026 on each provider's own pages · Research-based comparison; we did not open an account
Relationship: BestBalances has no affiliate, referral or sponsorship relationship with Bluevine or Found. Provider links on this page go to their official sites and pay us nothing.
Short answer: which one fits
Bluevine fits if
You keep more than $250,000, take cash regularly, or want accounting software sync. Bluevine lists FDIC coverage up to $3,000,000 through its program banks, pays interest on its free plan if you meet the activity requirement, and syncs with QuickBooks Online, Xero, Wave and FreshBooks.
Found fits if
You're self-employed and want bookkeeping built into the account. Found's FAQ describes automatic expense logging with categories, receipts and rules. FDIC coverage is the standard $250,000 through Lead Bank, outgoing wires are $15 ($10 on Pro), and interest is on paid plans only.
Neither is a bank. Both have a $0 plan with no minimum balance and accept sole proprietors.
Bluevine
Best for: Traditional small businesses that handle cash and checks and want interest on checking
Opens Bluevine's official site. Not an affiliate link.
Found
Best for: Sole proprietors and freelancers who want built-in tax estimates, invoicing and 1099s
Opens Found's official site. Not an affiliate link.
Compare published terms
| Feature | Bluevine | Found |
|---|---|---|
| Account type and banks | Fintech, not a bank. Banking services by Coastal Community Bank, Member FDIC. Source: Bluevine Plans and pricing, checked Nov 8, 2026. | Fintech, not a bank. Banking services by Lead Bank, Member FDIC. Source: Found Account terms, checked Nov 8, 2026. |
| FDIC coverage | Up to $3,000,000 per depositor through Coastal Community Bank, Member FDIC and its program banks. Source: Bluevine Plans and pricing; Bluevine FAQ, checked Nov 8, 2026. | Up to $250,000 per depositor for each account ownership category through Lead Bank. The account terms reference a Lead Bank sweep disclosure but don't state an expanded coverage amount. Source: Found Account terms, checked Nov 8, 2026. |
| Monthly plans | Standard $0, Plus $30, Premier $95 a month. Plus is waived with a $20,000 average daily balance and $2,000 of monthly debit card spending; Premier with $100,000 and $5,000. Source: Bluevine Plans and pricing, checked Nov 8, 2026. | Found $0. Plus $35 a month or $315 a year; Pro $80 a month or $720 a year. Source: Found Pricing, checked Nov 8, 2026. |
| Minimums and monthly fees | No minimum balance, no monthly fee on Standard and no overdraft fees. Source: Bluevine Plans and pricing; Bluevine FAQ, checked Nov 8, 2026. | No minimum balance, overdraft or account-opening fees. A $10 dormancy fee applies after 12 months of inactivity. Source: Found Pricing; Found Fee schedule, checked Nov 8, 2026. |
| Standard ACH | $0 to send and receive. Same-day ACH is $10 on Standard, $8 on Plus and $5 on Premier. Source: Bluevine Plans and pricing, checked Nov 8, 2026. | Unlimited ACH to send and receive, with no fee listed. Instant Payments cost 1.75% ($0.50 minimum, $50 cap). Source: Found Pricing; Found Fee schedule, checked Nov 8, 2026. |
| Outgoing domestic wire | $15 on Standard, $12 on Plus, $7.50 on Premier. Source: Bluevine Plans and pricing, checked Nov 8, 2026. | $15, or $10 on Pro. Source: Found Pricing; Found Fee schedule, checked Nov 8, 2026. |
| Receiving wires | $0 for incoming domestic wires. Incoming international wires are $15, $12 or $7.50 by plan on the pricing page; Bluevine's FAQ still says $25. Source: Bluevine Plans and pricing; Bluevine FAQ, checked Nov 8, 2026. | Receives domestic wires and international wires sent in U.S. dollars; no incoming wire fee is listed. Source: Found FAQ; Found Pricing, checked Nov 8, 2026. |
| International wires | USD wires $25, $20 or $12.50 by plan. Foreign-currency wires add 1.5%, 1.25% or 1.0%. Source: Bluevine Plans and pricing, checked Nov 8, 2026. | Found's FAQ describes sending domestic wires only; it doesn't list outgoing international wires. Found charges no foreign transaction fee on the card, though the card network may charge for conversion. Source: Found FAQ, checked Nov 8, 2026. |
| Cash deposits | $4.95 per deposit at Green Dot retailers; $1 plus 0.5% per deposit at Allpoint ATMs. Source: Bluevine Plans and pricing, checked Nov 8, 2026. | At 79,000+ retail locations with an in-app barcode; no ATM cash deposits. The help center says the first cash deposit each month is free, then $2.00; the fee schedule lists $2.00 per deposit. Limits: $2,000 per 7 days, $4,000 per 30 days. Source: Found Help: cash deposits; Found Fee schedule, checked Nov 8, 2026. |
| ATM withdrawals | $0 at MoneyPass ATMs. Out-of-network ATMs carry a fee; the amount isn't listed on these pages. Source: Bluevine Plans and pricing; Bluevine FAQ, checked Nov 8, 2026. | No Found fee; ATM operators may charge. $550 a day withdrawal limit. Source: Found FAQ; Found Fee schedule, checked Nov 8, 2026. |
| Checking accounts | One checking account plus up to 5 sub-accounts on Standard, 10 on Plus and 50 on Premier, each with its own account number. Source: Bluevine Plans and pricing; Bluevine FAQ, checked Nov 8, 2026. | One checking account with up to 20 Pockets for setting money aside. Source: Found Pricing, checked Nov 8, 2026. |
| Savings or yield | Interest on checking (variable): 1.3% APY up to $250,000 on Standard if you spend $500 a month on the debit card or receive $2,500 a month in customer payments; 1.75% up to $250,000 on Plus; 3.3% on all balances on Premier. Source: Bluevine Plans and pricing; Bluevine Business checking, checked Nov 8, 2026. | Interest on paid plans only (variable): Plus 1.50% APY up to $20,000; Pro 2.50% on all balances. None on the free plan. Source: Found Pricing, checked Nov 8, 2026. |
| Accounting integrations | Accounting sync with QuickBooks Online, Xero, Wave and FreshBooks on every plan. Source: Bluevine Plans and pricing, checked Nov 8, 2026. | Built-in bookkeeping: expenses are logged automatically, and you can categorize them, add receipts, create rules and import transactions from other accounts. Found's pricing page and FAQ don't name a third-party accounting sync. Source: Found FAQ; Found Pricing, checked Nov 8, 2026. |
| Support | Live support by phone, email and chat. Premier lists priority support. Source: Bluevine Plans and pricing, checked Nov 8, 2026. | Phone and email support on every plan; priority phone support on Plus; a dedicated account manager on Pro. Source: Found Pricing, checked Nov 8, 2026. |
| Published eligibility | U.S.-based sole proprietorships, corporations, partnerships and nonprofit corporations; non-U.S. residents with U.S.-registered businesses may qualify from supported countries. Excludes illegal gambling, pornography, firearms, illegal substances, cannabis and hemp, penny auctions, bulk virtual-currency exchanges and political campaigns. Source: Bluevine FAQ, checked Nov 8, 2026. | U.S. citizens or lawful permanent residents 18 or older with a U.S. address and an SSN or tax ID. The account terms list sole proprietors, partnerships, LLCs and corporations among business account types. Source: Found Account terms, checked Nov 8, 2026. |
Deposit protection
FDIC coverage applies if the partner bank fails. It doesn't protect you if the fintech company itself fails, and expanded sweep coverage depends on the sweep program's terms.
Score breakdown
Cost to run
$0 plan and minimum, free ACH, free MoneyPass ATMs; $15 outgoing wire
$0 plan, free ACH; $15 wires; opening deposit not stated; no named ATM network
Deposit protection & disclosure
Coastal Community Bank named; sweep up to $3M
Lead Bank named; expanded coverage not confirmed
Money movement
Free standard ACH and incoming domestic wires; outgoing international wires cost $25, $20 or $12.50; cash only through paid retail networks
Incoming wires included, checks $1; retail cash with conflicting fee terms; receives USD international wires, outgoing international not listed
Features & fit
Up to 50 sub-accounts on Premier (5 on Standard), bill pay, interest; syncs with QuickBooks Online, Xero, Wave and FreshBooks
Pockets, invoicing, tax tools; integrations not stated; APY on paid plans only
Transparency & support
Public pricing; live support by phone, email and chat
Public fee schedule; phone and email support
Research basis and updates
- Research basis
- Published provider documentation
- Author and editor
- Carlos Gil, Founder & Editor
- Claims checked
- Provider-specific dates listed below, against the sources listed on this page
Change log
- Nov 9, 2026: Published. Facts checked on each provider's own pages (Bluevine and Found on Nov 8, 2026).
Provider changes and corrections to our own reporting are logged separately. See our methodology and corrections policy.
Sources
- Bluevine Plans and pricing (Undated; rechecked Nov 8, 2026). Checked Nov 8, 2026.
- Bluevine Business checking (Undated; rechecked Nov 8, 2026). Checked Nov 8, 2026.
- Bluevine FAQ (Undated; rechecked Nov 8, 2026). Checked Nov 8, 2026.
- Found Pricing (Undated). Checked Nov 8, 2026.
- Found Fee schedule (Last updated Jul 13, 2026). Checked Nov 8, 2026.
- Found Account terms (Last updated Jul 14, 2026). Checked Nov 8, 2026.
- Found Help: cash deposits (Undated). Checked Nov 8, 2026.
- Found FAQ (Undated). Checked Nov 8, 2026.
Each fact was checked on the provider's own page on Nov 8, 2026.