Holdings vs Chase Business Banking
Chase gives you a business checking account. Holdings gives you 62 free tools, free banking + invoicing, and accounting ($25/mo) that auto-connects it all.
Feature comparison
See how Holdings stacks up against Chase Business
| What you get | Holdings | Chase Business |
|---|---|---|
| 62 Free Tools | ✅ Included | ❌ Not included |
| Built-in Accounting | ✅ $25/mo | ❌ Not included |
| Auto-Categorization | ✅ $25/mo | ❌ Not included |
| Invoice Generator | ✅ Free | ❌ Not included |
| Tax Tools | ✅ Free | ❌ Not included |
| Monthly Fees | From $0/mo | $15/mo (waivable) |
| APY on Checking | 1.75% | 0.01% |
| FDIC Insurance | Up to $3M | $250K (standard) |
| Sub-accounts | Unlimited (free) | Separate accounts ($15/mo each) |
| Domestic Wires | Free | $25 outgoing |
| Physical Branches | Online only | ✅ 4,700+ locations |
| Cash Deposit | Not available | ✅ At branches/ATMs |
Why choose Holdings over Chase Business
Stop juggling 5 apps — tools, accounting, and banking in one place
Chase gives you a checking account. That's it. You still need QuickBooks, a separate invoicing tool, spreadsheets for tracking, and more. Holdings gives you 62 free tools, accounting, and banking in one place.
Your invoices auto-update your books
Create invoices, track payments, and auto-categorize every transaction — all connected. Chase requires you to buy and sync QuickBooks or another tool separately.
Tax time takes 10 minutes, not 10 hours
Auto-categorization, real-time P&L, and tax-ready reports are built in. Plus 1.75% APY on every dollar vs Chase's 0.01%.
Replace $100+/mo in software with a free platform
Chase charges $15/mo for checking + $30–80/mo for QuickBooks + invoicing tools + spreadsheet apps. Holdings: $0 banking + invoicing, $25/mo for full accounting.
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When Chase Business might be the better choice
Chase may be a better fit if you need physical branch access for cash deposits, in-person support, or established business credit card and lending relationships.
Frequently asked questions
I already have a bank — why do I need Holdings?
Holdings isn't just banking. You get 62 free tools, built-in accounting, invoicing, and a connected bank account — all in one place. Full accounting from $25/mo. It replaces your accounting software, your spreadsheets, and your bank — banking + invoicing from $0/mo, full accounting $25/mo.
Can I use Holdings tools without banking?
Yes. All 62 free tools are free to use regardless of whether you open a Holdings account. The banking is optional — the tools and accounting work on their own.
Why switch from Chase to Holdings?
Chase charges $15/mo, pays 0.01% APY, and doesn't include any business tools or accounting. Holdings is free, pays 1.75% APY, and includes 62 free tools, auto-categorization, and financial reports.
Can I keep my Chase account and use Holdings too?
Absolutely. Many businesses use Holdings as their primary operating account while keeping a Chase account for cash deposits or credit relationships. Holdings accounting can connect to your Chase account for a full picture.
How long does it take to open a Holdings account?
Most businesses are approved in minutes. No branch visits, no paper applications. You need your EIN and basic identity verification.
Ready to run your business from one place?
62 free tools. Free banking. Free invoicing. Accounting from $25/mo.
1.75% APY† • Zero fees^ • FDIC insured to $3M*