Holdings vs U.S. Bank
U.S. Bank 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 US Bank
| What you get | Holdings | US Bank |
|---|---|---|
| 62 Free Tools | ✅ Included | ❌ Not included |
| Built-in Accounting | ✅ $25/mo | ❌ No |
| Auto-Categorization | ✅ Yes | ❌ No |
| Invoice Generator | ✅ $25/mo | ❌ Not included |
| Tax Tools | ✅ $25/mo | ❌ Not included |
| Monthly Fee | $0 | $10–25/mo |
| APY (Checking) | 1.75% | 0% |
| FDIC Insurance | Up to $3M | $250K standard |
| Free Transactions | Unlimited | 125/month (then $0.50/each) |
| Domestic Wire | Free | $30 outgoing; $20 incoming |
| Physical Debit Cards | ✅ $25/mo | Free |
| Virtual Cards | ✅ $25/mo | Not standard |
Why choose Holdings over US Bank
Stop juggling 5 apps — tools, accounting, and banking in one place
US Bank gives you a checking account. That's it. You still need QuickBooks ($30–80/mo), invoicing tools, spreadsheets, 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. US Bank doesn't include any business tools or accounting.
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 US Bank's 0%.
Replace $100+/mo in software with a free platform
US Bank charges $10–25/mo for checking + $30–80/mo for accounting software + $0.50/transaction overages + $20–50 wire fees. Holdings: $0 banking + invoicing, $25/mo for full accounting.
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When US Bank might be the better choice
US Bank may be a better fit if you need $0 monthly fee with physical branches, $400 welcome bonus, or Free cash deposits (up to $2,500/month).
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 62 free tools, built-in accounting, invoice generators, tax tools, and a connected business account. 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.
Can I switch from US Bank to Holdings?
Yes. Open a Holdings account and transfer funds via ACH. If you have the $400 welcome bonus, check the clawback terms before closing.
Which has lower fees — Holdings or US Bank?
Holdings. US Bank charges for excess transactions ($0.50/each after 125), wire transfers ($20–$50), and overdrafts ($36). Holdings is $0 across the board — 62 free tools, free banking + invoicing, and accounting from $25/mo.
Is US Bank Silver Business Checking really free?
The monthly fee is $0, but transaction limits (125/month), wire fees ($20–50), and cash deposit caps mean there are still real costs. Holdings is truly free — unlimited transactions, free wires, and 62 free tools included.
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*