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Curious how these outdated systems still persist?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If you’re ready to leave behind the hidden fees and outdated banking models, explore our modern guide to small business banking for smarter, fee-free solutions that actually reward your business.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