Free ACH and wire transfers for business
Send and receive domestic ACH and wire transfers at no cost. No per-transaction fees, no monthly limits, no hidden charges.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Why you shouldn't pay to move your own money
Most banks charge $15–$30 per wire. Holdings charges $0.
Free Domestic Wires
Send and receive domestic wire transfers at no cost. Most banks charge $15–$30 per wire — Holdings charges nothing.
Free ACH Transfers
Move money between accounts, pay vendors, and receive payments via ACH — all free with no transaction limits.
Fast Processing
Same-day ACH available. Domestic wires typically complete within hours. Internal transfers between sub-accounts are instant.
Secure by Default
Every transaction is encrypted with AES-256 and protected by our SOC 1 Type II certified infrastructure. Multi-factor auth on all accounts.
Built for real business needs
Vendor Payments
Pay suppliers and contractors via ACH or wire — free. No more choosing between speed and cost.
Client Invoices
Share your account details for incoming ACH or wire payments. No processing fees on received payments.
Payroll Funding
Move payroll funds to your provider via ACH at no cost. Internal transfers to payroll sub-accounts are instant.
Tax Payments
Send quarterly estimated tax payments via ACH. Free and traceable in your Holdings accounting.
Inter-Company Transfers
Move funds between entities or sub-accounts instantly. Perfect for multi-entity businesses.
Real Estate Closings
Send wire transfers for deposits and closings without the $25–$50 fees traditional banks charge.
Frequently asked questions
Are wire transfers really free?
Yes. Domestic wire transfers — both sending and receiving — are free on every Holdings account. No per-transaction fees.
How fast are ACH transfers?
Standard ACH transfers complete in 1–2 business days. Same-day ACH is available for faster processing.
Is there a limit on the number of transfers?
No. Send and receive as many ACH and wire transfers as your business needs. There are no monthly caps or per-transaction limits.
What about international wires?
Holdings currently supports domestic transfers. International wire capabilities are on our roadmap. Contact us for current options.
Are transfers tracked in my accounting?
Yes. Every transfer — incoming and outgoing — is automatically recorded and categorized in your Holdings accounting.
How much do traditional banks charge?
Chase charges $25 per outgoing domestic wire. Bluevine charges $15. Relay charges $5. Holdings charges $0.
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*