Holdings vs Bluevine
Bluevine offers checking with interest. Holdings matches that and adds free accounting software, unlimited sub-accounts, and fund tracking — all included.
Feature comparison
See how Holdings stacks up against Bluevine
| Feature | Holdings | Bluevine |
|---|---|---|
| Monthly Fees | Free | Free (Standard) / $45/mo (Premium) |
| APY on Deposits | 1.75% | Up to 4.25% (up to $250K) |
| FDIC Insurance | Up to $3M | Up to $3M |
| Built-in Accounting | ✅ Included free | ❌ Not included |
| Auto-Categorization | ✅ Included free | ❌ Not included |
| P&L / Balance Sheet | ✅ Included free | ❌ Requires separate tool |
| Sub-accounts | Unlimited (free) | Limited |
| Physical Debit Cards | ✅ Free | ✅ Free |
| Domestic Wires | Free | $15 each (Standard) |
| Checkbooks | Not offered | ✅ Available |
| Line of Credit | Not offered | ✅ Up to $250K |
| Bookkeeping Add-on | $100/mo | Not offered |
Why choose Holdings over Bluevine
Accounting software included free
Bluevine requires QuickBooks or another tool for accounting. Holdings auto-categorizes every transaction and generates P&L reports, balance sheets, and cash flow statements at no cost.
Unlimited sub-accounts
Holdings lets you create unlimited sub-accounts for any purpose — taxes, payroll, projects, reserves. Bluevine has limited account organization options.
Free domestic wires
Bluevine charges $15 per domestic wire on their Standard plan. Holdings includes all domestic wires and ACH transfers free.
When Bluevine might be the better choice
Bluevine may be a better fit if you need a business line of credit (up to $250K), physical checkbooks, or if you want the highest APY on balances under $250K.
Frequently asked questions
Does Bluevine have better interest rates?
Bluevine offers up to 4.25% APY on balances up to $250,000. Holdings offers 1.75% APY on all deposits with no balance cap. For balances over $250K, Holdings' rate applies to the full amount.
Does Bluevine include accounting?
No. Bluevine is checking-only. You need QuickBooks, Xero, or another tool for accounting. Holdings includes auto-categorization, financial reports, and fund tracking at no extra cost.
Can I get a line of credit with Holdings?
Holdings focuses on banking and accounting. If you need a credit line, Bluevine offers up to $250K. You could use Bluevine for credit and Holdings for your primary banking and accounting.
Which is better for organizing money?
Holdings offers unlimited sub-accounts with fund accounting — you can track restricted funds, project budgets, and tax reserves. Bluevine has more limited account organization.
Can I switch from Bluevine to Holdings?
Yes. Open a Holdings account in minutes and transfer funds at your own pace. There's no penalty for running both accounts during your transition.
Ready to switch?
Open your Holdings account in minutes. Keep your current bank during the transition — move at your own pace.
1.75% APY† • Zero fees^ • FDIC insured to $3M*