Choosing the right banking platform can make or break your business’s financial health. Holdings and Found are two standout options for small business owners and freelancers who want to ditch traditional bank fees and get more from their money. But which one is the best fit for your business? Here’s a side-by-side look at what each offers, who they’re best for, and how Holdings stacks up against other top business banking competitors.
Quick Comparison Table
Feature | Holdings | Found |
|---|---|---|
Interest/APY | Tiered: up to 3.0% APY for large balances | No interest |
Monthly Fees | None | None |
Accounting Integration | Built-in, automated, plus QuickBooks integration | Built-in bookkeeping, tax tools |
Invoicing & Bill Pay | Unlimited, included | Unlimited, included |
Wire/ACH Fees | Unlimited free wires and ACH | No wire transfers; free ACH |
ATM Access | Fee-free at Allpoint, cash deposit options | Fee-free at 40,000+ ATMs, no cash deposits |
Tax Tools | Yes, built-in | Yes, built-in |
Mobile App | Yes | Yes |
Minimum Balance | None | None |
Business Structure | SMBs, LLCs, Corps, and freelancers | Sole proprietors, LLCs, freelancers |
What Makes Holdings Stand Out?
Earn More on Your Money: Tiered APY up to 3.0%—so your cash actually grows, not just sits.
Truly Fee-Free: No monthly fees, no transaction fees, no wire/ACH fees, and no minimum balance requirements.
All-in-One Platform: Banking, accounting, invoicing, bill pay, and even optional full-service bookkeeping—no more juggling disconnected tools.
Cash-Friendly: Deposit cash at supported locations, a feature Found doesn’t offer.
Automation for Busy Owners: Automated reporting, reconciliation, and financial management built right in.
Scales with Your Business: Whether you’re a solo freelancer or a growing SMB, Holdings adapts to your needs.
Where Found Shines
Built for Solopreneurs: Found is designed with freelancers, sole proprietors, and single-member LLCs in mind.
Integrated Tax Tools: Automatic tax savings, expense categorization, and quarterly tax estimates built in.
Instant Invoicing: Create and send invoices from your phone, with payment tracking and reminders.
No Monthly Fees: Like Holdings, Found is built to be fee-free for most users.
Simple, Mobile-First Experience: Manage everything from your phone, with a user-friendly app.
Who Should Choose Which?
Holdings is best for:
SMBs and freelancers who want to maximize interest on their deposits
Businesses seeking a truly fee-free banking solution with no monthly subscriptions
Companies that need to deposit cash or want unlimited free wires and ACH
Owners who want integrated accounting, invoicing, and bill pay in one place
Businesses that plan to grow and need a platform that scales with them
Found is best for:
Freelancers, gig workers, and sole proprietors who want simple, mobile-first banking
Business owners who want built-in tax tools and easy expense tracking
Entrepreneurs who don’t need to deposit cash or send wire transfers
Those who want to keep things simple and don’t need advanced integrations
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.
Found: No monthly fees, no transaction fees, no wire transfers, and no cash deposits. Free ACH transfers and unlimited invoicing.
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 Found offer modern, digital-first banking for small businesses—but Holdings stands out if you want to maximize your interest, automate your finances, and manage everything in one place with no monthly fees. 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.