What interest rates does Holdings offer?

Holdings offers tiered interest rates: 1.5% APY for balances $50K–$250K, 2% APY for $250K–$1M, and 3% APY for balances over $1M.

Are there monthly fees for Holdings business accounts?

No, Holdings offers fee-free business banking with no monthly fees and unlimited free ACH and wire transactions.

What accounting features are included with Holdings?

Holdings offers integrated accounting with automated reporting tied directly to banking activity, with additional bookkeeping services available based on business revenue.

How does the Sweep Program provide up to $3M in FDIC insurance?

Through i3 Bank's Sweep Program, your funds are distributed across multiple FDIC-insured banks, allowing for FDIC insurance coverage up to $3M. This extends beyond the standard $250,000 FDIC insurance limit per depositor.

The Hidden Cost of Banking in Fancy Buildings

Ever looked up at a bank’s marble columns and wondered who’s footing the bill? Here’s the truth: those fancy buildings are funded by your business deposits—while you get pennies in return.

The Banking Math Most Business Owners Miss

Traditional banks pay you a mere 0.01% interest on your business checking, but lend out your money at rates as high as 24%. On $100,000 in your account, that’s just $10 a year for you—while the bank makes thousands.
Want to see how this impacts real SMBs? Pest IQ’s Success Story: How Holdings Fuels Business Growth shows how switching to a modern platform changed their financial game.

Curious how these outdated systems still persist? The Museum of Antiquated Finance: Why Modern Businesses Deserve Better Banking takes you on a tour of banking’s past—and why it’s time to move forward.

The Digital Banking Difference

Modern digital banks like Holdings don’t waste your money on marble and mahogany. Instead, we pass the savings back to you with up to 3.0% APY—so your cash finally earns what it deserves.

Need to move money quickly and securely? Holdings: Can I Send or Receive Zelle Payments with Holdings? explains how you can send and receive payments seamlessly.

Wondering about the details behind your transfers? Holdings: Understanding Trace Numbers for Wire Transfers at Holdings breaks down everything you need to know.

No Hidden Fees, No Gotchas

Traditional banks are famous for sneaky charges—monthly maintenance fees, wire fees, ATM fees, and more. With Holdings, you get:

Zero monthly fees
No minimum balance requirements
Up to $3M FDIC insurance (Protecting What Matters: Why Your Business Cash Deserves the Same Security as Your Car)

Ready to make the switch? Holdings: How to Use Mobile Check Deposit with Holdings: A Step-by-Step Guide makes it easy to get started—no marble columns required.

Stay Ahead of the Curve

Regulations change fast. SEC’s New Money Market Fund Rules: What Your Business Needs to Know helps you stay compliant and keep your cash working for you.

If you’re ready to leave behind the hidden fees and outdated banking models, explore our modern guide to small business banking for smarter, fee-free solutions that actually reward your business.

Stop paying for someone else’s fancy building. Put your business money to work with zero fees, high yield, and tools that actually help you grow.

Disclaimers and footnotes

Holdings is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust and i3 Bank, Members 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 everywhere Visa debit cards are accepted.
Funds deposited in your Holdings account are held by Evolve Bank & Trust and i3 Bank, Members FDIC. The standard deposit amount is $250,000 per depositor, per insured bank, for each account ownership category.

Through Evolve's Sweep Program, funds may be eligible for up to $5M in FDIC insurance. Find additional information about the Sweep Program here. Through i3 Bank's Sweep Program, funds may be eligible for up to $3M in FDIC insurance. Find additional information about the Sweep Program here