Choosing the right business banking partner is a big decision for any small or medium-sized business. Holdings and Bluevine are two of the most popular digital-first options, each offering a modern, fee-free approach—but with some key differences in features, interest rates, and financial tools. Here’s a side-by-side look at what each platform offers, who they’re best for, and how Holdings stacks up against other top business banking competitors.
Quick Comparison Table
Feature | Holdings | Bluevine |
|---|---|---|
Interest/APY | Tiered: up to 3.0% APY for large balances | 1.5% APY (Standard), 2.7% (Plus), 3.7% (Premier) |
Monthly Fees | None | None (Standard), $30 (Plus), $95 (Premier) |
Fee Waivers | Not needed—no fees | Plus/Premier fees waived with balance/spend |
Sub-Accounts | Unlimited | 5 (Standard), 10 (Plus), 20 (Premier) |
Accounting Integration | Built-in, automated, plus QuickBooks integration | QuickBooks & Xero integration |
Bookkeeping | Optional full-service bookkeeping | Not included |
Invoicing & Bill Pay | Unlimited, included | Included, with bill pay discounts on higher plans |
Wire/ACH Fees | Unlimited free wires and ACH | Free standard ACH, wire fees may apply |
ATM Access | Fee-free at Allpoint, cash deposit options | No-fee cash withdrawals, 37,000+ ATMs |
Cash Deposits | Supported | Supported at Green Dot locations (fee applies) |
Digital Experience | All-in-one platform, mobile & web | Digital-first, mobile & web |
FDIC Insurance | Up to $3M | Up to $3M |
What Makes Holdings Stand Out?
High-Yield, Tiered APY: Earn up to 3.0% APY on large balances—no need to upgrade or meet spending requirements.
Truly Fee-Free: No monthly fees, no transaction fees, no wire/ACH fees, and no minimum balance requirements.
Unlimited Sub-Accounts: Organize your finances your way, with as many accounts as you need for budgeting, taxes, or profit-first strategies.
All-in-One Financial Platform: Banking, accounting, invoicing, bill pay, and even optional full-service bookkeeping—no more juggling disconnected tools.
Automation for Busy Owners: Automated reporting, reconciliation, and financial management built right in.
Cash-Friendly: Deposit cash at supported locations, with no extra hoops or hidden fees.
Where Bluevine Shines
Flexible APY Tiers: Earn 1.5% APY on Standard, 2.7% on Plus, and 3.7% on Premier—higher rates require higher balances and spending, and come with monthly fees (waivable).
Sub-Account Management: Create up to 20 sub-accounts (Premier) for budgeting and cash management.
Accounts Payable Automation: Streamline invoice payments and manage bills directly from your dashboard.
Robust Integrations: Sync with QuickBooks and Xero for seamless bookkeeping.
Digital-First Experience: Manage everything online or via mobile app, with unlimited transactions and no overdraft fees.
Who Should Choose Which?
Holdings is best for:
SMBs looking to maximize interest on their deposits with tiered rates up to 3% APY—no upgrade or waivers required
Businesses seeking a truly fee-free, all-in-one banking and accounting solution
Companies that want unlimited sub-accounts for advanced budgeting or profit-first cash management
Owners who value automation and optional full-service bookkeeping
Businesses that need to deposit cash or want unlimited free wires and ACH
Bluevine is best for:
Businesses that want flexible APY options and are willing to meet balance/spending requirements for higher rates
Companies that need accounts payable automation and robust sub-account management
Owners who want to integrate with QuickBooks or Xero for bookkeeping
SMBs that prefer a digital-first, mobile-friendly banking experience
What About Fees and Limits?
Holdings: No monthly fees, no transaction fees, no wire/ACH fees, unlimited free money movement, and no minimum balance requirements.
Bluevine: No monthly fees on Standard; Plus ($30/mo) and Premier ($95/mo) plans offer higher APY and more sub-accounts, with fees waived if you meet balance and spending requirements. Cash deposits at Green Dot locations incur a fee.
Compare Holdings to Other Top Business Banks
Curious how Holdings stacks up against other leading business banking solutions? Explore these in-depth comparisons:
The Bottom Line
Both Holdings and Bluevine offer modern, digital-first banking for SMBs—but Holdings stands out if you want to maximize your interest, automate your finances, and manage everything in one place with no monthly fees or upgrade requirements. If you’re ready for a banking partner that helps your business earn more and work smarter, Holdings is built for you.
Ready to see how Holdings can transform your business finances? Explore our full suite of comparisons above, or get started today.