Unlimited sub-accounts for every purpose
Separate payroll, taxes, operations, and reserves into dedicated accounts. Create as many as you need — all free, all earning 1.75% APY.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Why sub-accounts change everything
Stop guessing where your money is
Unlimited — Really
Create as many sub-accounts as you need. One for payroll, one for taxes, one for each client project. No caps, no fees, no approvals.
Instant Visibility
See exactly how much is allocated to each purpose at a glance. No spreadsheets, no mental math. Every dollar has a home.
Auto-Categorize by Account
Transactions flowing into a sub-account are automatically tagged in your accounting. Your books stay organized without manual work.
Each Account Earns 1.75% APY
Every sub-account earns the same 1.75% APY. Tax reserves, emergency funds, savings — all growing while they sit.
Built for real business needs
Payroll Reserve
Set aside next month's payroll so it's never touched by operating expenses.
Quarterly Tax Fund
Auto-route a percentage of income to a tax sub-account. Always ready for estimated payments.
Project Budgets
Create a sub-account per project or client. Track spending against budget in real time.
Emergency Reserve
Park 3–6 months of operating expenses in a dedicated account earning 1.75% APY.
Marketing Budget
Give your marketing team a defined budget. Issue virtual cards tied to this sub-account.
Equipment Fund
Save for capital purchases without mixing those funds with daily operations.
Frequently asked questions
How many sub-accounts can I create?
There is no limit. Create as many as you need for any purpose. Each one is free and earns 1.75% APY.
Do sub-accounts have their own account numbers?
Yes. Each sub-account has its own account and routing number, so you can receive payments directly into specific accounts.
Can I transfer between sub-accounts instantly?
Yes. Internal transfers between your Holdings sub-accounts are instant and free, 24/7.
Can I issue cards tied to specific sub-accounts?
Yes. Issue physical or virtual debit cards tied to any sub-account. Spending on that card draws from that account only.
How do sub-accounts work with accounting?
Transactions in each sub-account are automatically categorized in your Holdings accounting. Sub-accounts map to your chart of accounts for clean reporting.
Can team members only access certain sub-accounts?
Yes. Role-based permissions let you control who can view or transact on each sub-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*