“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.

FDIC insured up to $3M

256-bit bank-level encryption

99.99% uptime SLA

Regular independent security audits

SOC 1

FDIC

PCI DSS

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.

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