The Hidden Cost of Banking in Fancy Buildings

Ever looked up at an impressive bank headquarters with its towering marble columns and wondered who paid for all that grandeur? The answer might surprise you.

Those fancy buildings? They're being built with YOUR money.

The Banking Math Most Business Owners Miss

Traditional banks operate on a business model that's incredibly profitable—for them, not for you. Here's the reality most business owners don't realize:

Your typical legacy bank pays a mere 0.01% interest on your business checking account. That's not a typo—that's one-hundredth of a percent.

Meanwhile, these same institutions are lending your money out at rates ranging from 7% to 15%, sometimes even 24% interest.

Let's break down what this means in real numbers:

On $100,000 sitting in your business account, a traditional bank pays you...$10 per year.

Yes, just $10. While they potentially make thousands of dollars using your capital.

The Digital Banking Difference

Modern digital banks like Holdings operate on a fundamentally different model. Without expensive physical branches, thousands of tellers, and marble-floored lobbies to maintain, we can redirect those savings back to where they belong—to you, the business owner.

Instead of spending money on impressive architecture, Holdings pays business owners 3% APY on their cash.

Running the math again:

• Same $100,000 in your account

• Traditional Bank: $10/year

• Holdings: $3,000/year

That's not a rounding error—that's your money working 300 times harder for your business.

No Strings Attached

The best part about this higher yield? There are no hidden catches:

• No minimum balance requirements

• No monthly maintenance fees

• No complex hoops to jump through

Just your business money earning what it should have been earning all along.

What Would You Do With an Extra $3,000?

Think about what an additional $3,000 could do for your business this year:

• Upgrade essential equipment

• Fund a targeted marketing campaign

• Provide employee bonuses

• Simply improve your cash flow position

This isn't about small change—it's about recognizing that your business deserves better than the traditional banking model that profits extensively from your deposits while returning almost nothing.

Making the Switch

Moving your business banking to a digital-first solution like Holdings isn't just about better interest rates—it's about partnering with a financial platform that aligns its success with yours. When you earn more, we succeed together.

With multi-account management capabilities and zero account fees, Holdings is designed specifically for today's business owners who understand that every dollar counts—especially the dollars you're not currently earning on your idle cash.

Is your business money still funding someone else's fancy building? It might be time to put it somewhere it can work as hard as you do.