FDIC insurance up to $3 million
Standard FDIC covers $250K. Holdings extends protection to $3,000,000 through our program bank network — at no extra cost.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Why $250K isn't enough
If your business holds more than $250K, standard FDIC leaves you exposed
$3M FDIC Protection
Your deposits are spread across our program bank network, each covered up to $250K — totaling up to $3,000,000 in FDIC insurance.
No Extra Cost
Extended FDIC coverage is included with every Holdings account. No premium tier, no add-on fee, no minimum balance required.
Automatic — Nothing to Manage
You don't need to open multiple bank accounts yourself. Holdings automatically distributes deposits across the program network.
SOC 1 Type II + AES-256
Beyond FDIC insurance, Holdings maintains SOC 1 Type II certification and encrypts all data with AES-256 — the same standard used by government agencies.
Built for real business needs
Payroll Reserves
Companies holding 2–3 months of payroll often exceed $250K. Holdings protects those funds up to $3M.
Grant Funds
Nonprofits receiving large grants need every dollar protected. $3M FDIC coverage means donor funds are secure.
Operating Capital
Businesses with healthy cash positions shouldn't have to spread money across banks to stay insured.
Real Estate Escrow
Agencies holding client funds for transactions need coverage beyond the standard $250K limit.
Tax Reserves
Setting aside large quarterly tax payments? Every dollar is FDIC insured up to $3M.
Fundraising Proceeds
Startups post-raise often hold $500K–$2M+. Holdings covers the full amount without multiple accounts.
Frequently asked questions
How does Holdings offer more than $250K in FDIC coverage?
Holdings uses a program bank network that distributes your deposits across multiple FDIC-insured banks, each covered up to $250,000. This extends your total coverage up to $3,000,000.
Do I need to do anything to get $3M coverage?
No. The distribution is automatic. You deposit money into your Holdings account and the program bank network handles the rest.
Is the coverage really FDIC insurance?
Yes. Each bank in the program network is an FDIC-insured institution. Your deposits at each bank are covered under standard FDIC rules up to $250,000 per bank.
What if I have more than $3M?
Deposits above $3,000,000 may exceed the program bank network's coverage capacity. Contact us to discuss options for larger balances.
Does this cost extra?
No. Extended FDIC coverage through the program bank network is included with every Holdings account at no additional cost.
How is this different from opening accounts at multiple banks?
Same protection, zero hassle. Instead of managing 12 separate bank accounts to get $3M in coverage, Holdings does it automatically through one account.
Ready to get started?
Open your account in minutes. No branch visits, no paperwork, no fees.
1.75% APY† • Zero fees^ • FDIC insured to $3M*