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) / $45/mo (Premium) |
| APY on Deposits`, holdings: `${SITE_CONSTANTS.APY}%`, competitor: `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.
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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 — you can separate operating funds, project budgets, tax reserves, and client money. 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.
Bluevine offers 2% APY
Holdings offers 1.75% APY plus free AI bookkeeping. Do the math on which saves you more — most businesses spend $200-500/mo on separate accounting software. Open free and compare.
1.75% APY† • Zero fees^ • FDIC insured to $3M*