Banking that manages your money, not just holds it.
Holdings combines zero-fee banking with AI that categorizes your transactions, generates reports, and keeps your books current, so you don't have to.
Total Balance
$128,459.32
Recent Activity
Everything your business needs in one place
Banking, accounting, cards, and sub-accounts — built to work together.
How it works
Get started with Holdings — four steps to running your finances with ease.
Open your account
EIN or SSN, basic docs, done. Most accounts approved same day — no branch visits, no fax machines.
Organize your accounts
Create unlimited sub-accounts for payroll, taxes, marketing — whatever you need. Every dollar categorized from day one.
Connect your team
Add team members with custom permissions. Issue virtual or physical cards with built-in spend controls.
Watch every dollar work harder
Transactions auto-categorized. P&L, balance sheet, and cash flow reports generated on demand — no accountant required.
Business Checking
$84,231.50
Operations
$32,150
Marketing
$18,400
Holdings Visa
**** 4821
Active
Recent Transactions
Google Ads
Marketing
-$2,450.00
Client Payment
Revenue
+$8,500.00
Office Supplies
Operations
-$342.99
Want a walkthrough first?
Schedule a DemoBuilt for businesses that move fast
Same platform, tailored to how you work.
Freelancers & Agencies
Separate client funds, automate tax set-asides, and get books done without a bookkeeper.
E-Commerce
Auto-categorize Stripe and Shopify payouts. Know your margins without spreadsheets.
Nonprofits
Fund accounting, Giving Accounts for passive donations, and zero fees on every dollar.
Learn moreStartups
Multi-entity accounts, real-time cash visibility, and accounting that scales with you.
What our customers say
“I had a fantastic onboarding experience with Holdings. The process was smooth, and their team was incredibly helpful every step of the way. Customer service was top notch: responsive, friendly, and genuinely invested in making sure everything went right.”
Spencer Gunnell · Trustpilot
“We’ve been using Holdings to save our LLCs extra cash and earn interest for about a year now. Everything has been great including the customer service.”
Paul B · Trustpilot
“Application and banking interface is easy to use. Allows you to get on with your day.”
Smith · Trustpilot
“This transition will support our mission by streamlining how we manage donor contributions and program impact — helping us better serve cancer patients in need.”
Phil Brown, CEO · Needs Beyond Medicine
Bank-Grade Security
Your money. Protected.
We use the same security measures as the world's largest financial institutions to keep your funds and data safe.
SOC 1 Type II Compliant
Independently audited security controls that meet enterprise standards.
Two-Factor Authentication
Secure your account with SMS, authenticator apps, or hardware keys.
Penetration Testing
Regular third-party security assessments to identify vulnerabilities.
Transaction Monitoring
Real-time fraud detection and suspicious activity alerts.
Automated Backups
Your data is backed up continuously with point-in-time recovery.
End-to-End Encryption
256-bit AES encryption for all data at rest and in transit.
We never share your data. Period. See our privacy policy
Your money is protected by the same infrastructure trusted by the largest banks.
Frequently asked questions
Who is Holdings designed for?
Holdings is built for businesses that want banking and accounting in one place — from freelancers and agencies to e-commerce brands, nonprofits, and startups. Our platform helps teams manage finances in one dashboard so they can focus on what they do best.
How do Giving Accounts work?
Supporters open a personal banking account linked to your nonprofit. They earn 0.5% APY on their balance, and Holdings matches that 0.5% as a direct contribution to your organization. It’s passive, recurring revenue — no donation asks required.
Is Holdings FDIC insured?
Yes. Holdings accounts are FDIC insured up to $3 million through our banking partner network. We’re also SOC 1 Type II certified, meaning your financial data meets enterprise-grade security standards.
What does it cost?
Banking, accounting software, and business cards are completely free — zero monthly fees, zero transaction fees. If you want a dedicated bookkeeper to handle your monthly close, plans start at $100/month based on your revenue. See our pricing page for full details.
How long does it take to open an account?
Most accounts are approved within minutes. You’ll need basic business documentation — an EIN for LLCs and nonprofits, or an SSN for sole proprietors — no branch visits, no fax machines, no waiting weeks.
Ready to stop doing your own books?
Join 1,000+ others that use Holdings to manage their business finances.
The finance hire you never had to make.
FDIC Insured · Zero-fee banking · 1.75% APY
Get Started FreeFDIC Insured · Zero-fee banking · 1.75% APY
Get Started Free