Holdings vs PNC Bank
PNC gives you a business checking account. Holdings gives you 57 free tools, accounting software, and an account that connects it all — for free.
Feature comparison
See how Holdings stacks up against PNC
| What you get | Holdings | PNC |
|---|---|---|
| 57 Free Tools | ✅ Included | ❌ Not included |
| Built-in Accounting | ✅ Free | ❌ No (charges for QuickBooks sync) |
| Auto-Categorization | ✅ Yes | ❌ No |
| Invoice Generator | ✅ Free | ❌ Not included |
| Tax Tools | ✅ Free | ❌ Not included |
| Monthly Fee | $0 | $7–27/mo |
| APY (Checking) | 1.75% | 0% |
| FDIC Insurance | Up to $3M | $250K standard |
| Free Transactions | Unlimited | 150/month (then $0.50/each) |
| Domestic Wire | Free | $30 outgoing; $15 incoming |
| Physical Debit Cards | ✅ Free | Free |
| Virtual Cards | ✅ Free | Not standard |
Why choose Holdings over PNC
Stop juggling 5 apps — tools, accounting, and banking in one place
PNC gives you a checking account and charges extra for everything else. Holdings gives you 57 free tools, accounting, and banking in one place — from $0/mo. No more $0.50/transaction overages or QuickBooks sync fees.
Your invoices auto-update your books
Create invoices, track payments, and auto-categorize every transaction — all connected. PNC charges you just to sync with QuickBooks. Holdings includes full accounting for free.
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 vs PNC's 0%.
Replace $100+/mo in software with a free platform
PNC charges $7–27/mo for checking + QuickBooks sync fees + $30–80/mo for accounting software + $0.50/transaction overages. Holdings: $0 for everything.
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When PNC might be the better choice
PNC may be a better fit if you need Branches in 28 states, $400 welcome bonus, or Dedicated Nonprofit Checking product.
Frequently asked questions
I already have a bank — why do I need Holdings?
Holdings isn't just banking — it's a financial platform. You get 57 free tools, built-in accounting, invoice generators, tax tools, and a connected business account. It replaces your accounting software, your spreadsheets, and your bank — all from $0/mo.
Can I use Holdings tools without banking?
Yes. All 57 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.
Can I switch from PNC to Holdings?
Yes. Open a Holdings account and transfer funds via ACH. PNC's $400 welcome bonus has a clawback period — check the terms before closing your PNC account.
Which has lower fees — Holdings or PNC?
Holdings. PNC charges $0.50/transaction after 150, $30/outgoing wire, $36 overdraft fee, and a QuickBooks sync fee. Holdings is $0 across the board — 57 free tools, accounting, and banking included.
What is PNC Purchase Payback?
PNC offers cash back at select merchants when you use your PNC business debit card. Rewards are modest and merchant-dependent. Holdings gives you 57 free tools instead — which saves far more than occasional cash back.
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*