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Holdings

The account that keeps its own books.

Bank moves.
Books update.

A business account built to write straight to your books: turn on Holdings accounting and every transaction posts itself the moment it clears — no CSV imports, no bank-feed delay, no monthly reconciliation. 1.75% APY on every dollar. FDIC coverage up to $3M via i3 Bank + program banks.

Get startedSee how it works

The account

Your money,
and where it went.

One business account, built on i3 Bank. Every transaction is already in your books.

Total balance · 3 accounts

$184,290.14

APY

1.75%

FDIC

to $3M

Accounts

Operating··4471
$128,940.14
Reserve··8802
$42,100.00
Payroll··3150
$13,250.00

Recent transactions

Stripe payout+$8,400.00
Operating ··4471 · Oct 5 · Revenue→ posted to books
Lattice HR−$1,240.00
Payroll ··3150 · Oct 4 · Payroll→ posted to books
Figma−$144.00
Operating ··4471 · Oct 3 · Software→ posted to books
Interest+$268.42
Reserve ··8802 · Oct 1 · Other Revenue→ posted to books

Business checking · i3 Bank · live view

Connected by default

Bank and books,
same event.

  1. One account, banking + books

    Your Holdings business account earns 1.75% APY on every dollar. FDIC coverage up to $3M through i3 Bank + program banks. Visa debit card, sub-accounts, ACH, wires — all included.

  2. Transactions clear straight into the ledger

    Every deposit, every card charge, every ACH out hits your bank instantly. Turn on Holdings accounting ($25/mo) and the same transaction posts to your books at the same moment — no connector, no import job, no reconciliation queue.

  3. AI-driven invoicing collects into it

    When Claude, ChatGPT, or Cursor sends an invoice via the Holdings MCP and the client pays, the deposit lands here. With accounting on, it's already logged as revenue and reconciled against the invoice.

  4. Month-end has nothing to do

    With accounting on ($25/mo), P&L and balance sheet update in real time. The reconciliation queue stays at zero because bank and books are the same event.

What's included

Everything a business account needs.

Free with any Holdings account. Included when you sign up.

Business checking

Zero monthly fees, no minimums, 1.75% APY on every dollar. Domestic ACH and wires are free.

Unlimited sub-accounts

Payroll, taxes, reserves, projects — open as many as you need, no per-account fees. Every sub-account earns 1.75% APY.

High-yield on the whole balance

1.75% APY across checking + every sub-account. No tiers, no caps, no move-money-to-savings step. Liquid at all times.

Visa debit + mobile deposit

Business debit card issued by i3 Bank via Visa. Deposit checks from the mobile app; funds typically clear in 1–2 business days.

ACH, wires, bill pay

Domestic ACH and wires included. International wires available ($25 outgoing, free incoming). Scheduled + recurring payments.

Up to $3M FDIC coverage

Deposits are eligible for FDIC coverage up to $3M through i3 Bank + program bank network — 12x the standard $250,000 per-bank limit.

Bank event · book entry · same event

Money lands.
Books know.

Business Checking · i3 Bank

$184,290.14

APY

1.75%

Earning ≈ $3,225/yr · FDIC coverage up to $3M

Recent transactions

Stripe Payout+$8,400.00
Invoice #H-2148 · Acme Corp · Jul 24→ posted to books
ACH – Lattice HR−$1,240.00
Payroll processing fee · Jul 22→ posted to books
Card – Figma Pro−$144.00
Annual plan renewal · Jul 20→ posted to books
Wire – Meridian Capital+$25,000.00
Project milestone payment · Jul 19→ posted to books

General Ledger · Cash

Live

Journal entries

Revenue · Consulting
$8,400.00
Acme retainer paidAuto-reconciled
Payroll Processing
$1,240.00
Lattice HR feeAuto-reconciled
Software & Tools
$144.00
Figma Pro renewalAuto-reconciled
Revenue · Project
$25,000.00
Meridian milestoneAuto-reconciled

Balance sheet

Cash · Business Checking$184,290.14

Matches bank ✓

The bank event and the ledger entry are the same event. Nothing to import, nothing to reconcile.

Get startedSee it work with your AI →

Questions

Straight answers.

What kind of business checking account does Holdings offer?
Holdings offers a zero-fee business checking account with 1.75% APY on all balances. There are no monthly fees, no minimum balance requirements, and no transaction fees for domestic ACH or wire transfers.
Is my money FDIC insured?
Yes. Deposits are eligible for FDIC insurance coverage up to $3,000,000 through our program bank network — significantly more than the standard $250,000 per bank.
Does Holdings offer a business savings account?
You don't need a separate business savings account with Holdings — every dollar in your checking and sub-accounts already earns 1.75% APY automatically. Most banks make you move money into a savings account to earn interest and cap how often you can withdraw; Holdings pays high-yield interest on your whole balance while keeping it fully liquid.
How does the high-yield business savings rate work?
Holdings pays 1.75% APY on all balances, with no tiers, no minimums, and no caps — so it functions like a high-interest business savings account with none of the restrictions. You can open unlimited sub-accounts to set aside reserves, taxes, or savings goals, and each one earns the same rate. APY is variable and subject to change.
Can I open multiple business bank accounts?
Yes. You can open unlimited sub-accounts for payroll, taxes, operating expenses, reserves, and more — all with no additional fees and each earning 1.75% APY.
Can I open a new Holdings business bank account?
Not right now. Holdings' banking product is no longer accepting new sign-ups. Existing banking customers keep full access — same login, same account, no changes. New businesses coming to Holdings today start with AI-native invoicing (no monthly fee) and add the accounting layer when they need it.
Does Holdings connect to accounting software?
Yes — Holdings ships its own accounting software for $25/mo (30-day free trial). Because banking and accounting were built together, transactions post to your books the moment they clear. No CSV imports, no manual reconciliation queue.
Does Holdings support mobile check deposit?
Yes. You can deposit checks directly from your phone using the Holdings mobile app. Funds are typically available within 1–2 business days.
Can I set permissions on individual sub-accounts?
Team members can be invited with Admin or Member roles. Per-user, per-sub-account permissions are on our roadmap.
Does Holdings support bill pay?
Yes. You can pay vendors via ACH or wire transfer directly from your Holdings account. Scheduled and recurring payments are supported.
Can I send or receive international wires?
International wire transfers are available. Outgoing international wires carry a $25 fee. Incoming international wires are free.

Try it.

Holdings starts with invoicing today — no monthly fee, no lock-in. Accounting add-on when you want it. Existing banking customers, sign in as usual.

Start with invoicingOr see connected accounting

Explore more

Connected Invoicing

Product

Connected Accounting

Automatic categorization, P&L, and balance sheets.

Run it with your AI

Product

Plans & Pricing

Transparent pricing with zero hidden fees.

Disclosures

Holdings is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Holdings Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.

Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly.

Deposits are insured up to $3 million total through a combination of i3 Bank, Member FDIC, and additional program banks. Each account is separately insured up to $250,000 per account holder per bank. Holdings accounts are subject to approval. Terms and conditions apply.