Found vs Live Oak Business Savings: which one fits your business?
Side-by-side comparison of Found and Live Oak Business Savings — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: it's a tie on our scorecard — pick on fit, not score.
| Scored on | Found | Live Oak Business Savings |
|---|---|---|
| Right fit for small biz | 7 | 9 |
| Ease of use | 9 | 8 |
| Fees & pricing | 9 | 9 |
| Customer support | 6 | 7 |
| Features | 8 | 7 |
| Monthly Fee | $0 | — |
| Found Plus Subscription | $19.99/mo | — |
| Domestic ACH | $0 | — |
| ATM Fee (Allpoint) | $0 | — |
| Cash Deposit Fee | Approx $4.95 (Retailer dependent) | — |
| Monthly Maintenance Fee | — | $0 |
| Minimum Opening Deposit | — | $0 |
| Minimum Balance for Interest | — | $0.01 |
| Incoming Wires | — | $0 |
| Domestic Outgoing Wires | — | $19.00 |
Found in one paragraph
Found is the gold standard for solo freelancers who want their banking app to act as a part-time bookkeeper, though it lacks the muscle for growing teams.
Skip it if: Skip it if you have more than two employees or need to send frequent domestic wire transfers.
Live Oak Business Savings in one paragraph
A powerhouse for idle cash, offering top-tier interest rates with zero monthly maintenance fees for businesses that don't need physical branches.
Skip it if: You need to deposit physical cash daily or require complex spend management tools for a large team.
Frequently asked questions
Who should skip Found?
Skip it if you have more than two employees or need to send frequent domestic wire transfers.
Who should skip Live Oak Business Savings?
You need to deposit physical cash daily or require complex spend management tools for a large team.