1.75% APY business checking — zero fees
Earn 1.75% APY on every dollar in your business checking account. No minimum balance, no monthly fees, no rate tiers. Just interest on your money.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Why your checking account should earn interest
Most banks pay 0.01%. That's not a rounding error — it's a choice.
1.75% APY on Every Dollar
No tiers, no caps, no hoops. Every dollar in your Holdings account earns 1.75% APY — from the first dollar to the last.
Zero Fees Eating Your Returns
No monthly fees, no minimum balance, no maintenance charges. Your interest isn't offset by fees like at traditional banks.
FDIC Insured to $3M
Your deposits are protected up to $3,000,000 through our program bank network — 12x the standard FDIC limit.
Interest on Sub-Accounts Too
Every sub-account earns the same rate. Tax reserves, payroll funds, savings — all earning 1.75% APY.
Built for real business needs
$50K Balance
$875/year in interest with Holdings vs $5/year at Chase (0.01% APY). That's $870 more per year.
$100K Balance
$1,750/year with Holdings vs $10/year at a traditional bank. Enough to cover a software subscription.
$250K Balance
$4,375/year with Holdings. At 0.01% APY, you'd earn $25. The difference pays for a part-time contractor.
$500K Balance
$8,750/year with Holdings. That's real money sitting in a checking account, working for your business.
$1M Balance
$17,500/year in interest. At a traditional bank paying 0.01%, you'd earn $100. Holdings earns 175x more.
Tax Reserve Fund
Park quarterly tax reserves in a sub-account. They earn 1.75% APY until payment day.
Frequently asked questions
Is the 1.75% APY guaranteed?
The APY is variable and may change based on market conditions. Holdings will notify you before any rate changes. The current rate has been 1.75% since launch.
Is there a maximum balance for earning APY?
No. Every dollar earns 1.75% APY regardless of your balance. There are no tiers and no caps.
How is interest paid?
Interest accrues daily and is paid monthly, deposited directly into your account.
Do sub-accounts earn interest too?
Yes. Every sub-account earns the same 1.75% APY. Tax reserves, savings, project funds — all earning interest.
How does this compare to a business savings account?
Most business savings accounts at traditional banks offer similar or lower rates but require a separate account and limit transactions. Holdings pays 1.75% APY on your checking account with no transaction limits.
Is my money accessible?
Yes. This is a checking account, not a CD or money market. Your money is fully liquid — use your debit card, send wires, or initiate ACH transfers anytime.
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*