Holdings vs NorthOne
NorthOne is a great bank. Holdings is the platform that replaces your bank, your accounting software, and your spreadsheets — for free.
Feature comparison
See how Holdings stacks up against NorthOne
| What you get | Holdings | NorthOne |
|---|---|---|
| 57 Free Tools | ✅ Included free | ❌ Not included |
| Built-in Accounting | ✅ Included free | ❌ Not included |
| Invoice Generator | ✅ Included free | ❌ Not included |
| Expense Tracking | ✅ Included free | ❌ Not included |
| P&L / Balance Sheet | ✅ Real-time | ❌ Requires QuickBooks |
| Tax Calculators | ✅ Included free | ❌ Not included |
| Monthly Fee | $0 | $0 (Standard); $30/mo (Plus) |
| APY (Checking) | 1.75% | 2.50% (Standard, up to $250K w/ $500 debit spend); 3.00% (Plus) |
| FDIC Insurance | Up to $3M | $250K (via The Bancorp Bank) |
| Sub-Accounts | Unlimited, free | Unlimited "Envelopes" (free) |
| Physical Debit Cards | Free | Free |
| Virtual Cards | Free | Available |
| Domestic ACH | Free | Free (fees for some payment services) |
| Domestic Wire | Free | $15–$30 (varies) |
Why choose Holdings over NorthOne
Stop juggling 5 apps — tools, accounting, and banking in one place
NorthOne is a bank. You still need QuickBooks, a spreadsheet for tracking, an invoice tool, and a tax prep app. Holdings replaces all of them with one free platform.
Your invoices auto-update your books
Send an invoice in Holdings and it automatically flows into your P&L, updates your balance sheet, and categorizes the income. No manual entry, no reconciliation.
Tax time takes 10 minutes, not 10 hours
Holdings auto-categorizes every transaction, generates real-time P&L and balance sheets, and includes tax calculators. Your books are always tax-ready.
Replace $100+/mo in software with a free platform
QuickBooks ($30-80/mo) + invoicing tool ($15-30/mo) + expense tracker ($10-20/mo) = $55-130/mo. Holdings includes all of it from $0/mo.
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When NorthOne might be the better choice
NorthOne may be a better fit if you need Higher checking APY, Sub-account \"Envelopes\" with budgeting, or Cash deposits at Allpoint ATMs.
Frequently asked questions
I already have a bank — why do I need Holdings?
Holdings isn't just banking. It's 57 free tools, built-in accounting, invoicing, expense tracking, and tax calculators. Banking is included, but the tools are what replace your QuickBooks, your spreadsheets, and your bookkeeper.
Can I use Holdings tools without switching banks?
Yes. The tools and accounting features are free for everyone. Banking is optional — you can connect your existing bank and still use Holdings as your financial platform.
Can I switch from North One to Holdings?
Yes. Both are fintech platforms — open a Holdings account and transfer via ACH.
Which has higher APY — Holdings or North One?
North One: 2.50–3.00% vs. Holdings' 1.75%. However, North One's 2.50% requires $500/month in debit card spending, and their 3.00% requires a $30/month paid plan.
What tools are included free with Holdings?
Holdings includes 57 free tools: invoice generator, expense tracking, P&L and balance sheets, tax calculators, receipt capture, cash flow forecasting, and more. All free, all connected to your accounts automatically.
Ready to run your business from one place?
57 free tools. Free banking. Free invoicing. Accounting from $25/mo.
1.75% APY† • Zero fees^ • FDIC insured to $3M*