Why Your Business Banking Choice Matters
Choosing a business banking partner isn’t just about opening a checking account or getting a debit card. It’s about setting the foundation for your company’s cash flow, finance operations, and long-term growth. In today’s digital-first world, the right platform can help you manage money, streamline payments, and maximize your wealth—all while keeping your budget in check.
The New Era of Business Banking
Gone are the days of waiting in line at a branch, paying a fee for every transaction, or watching your money earn next to nothing in interest. Holdings was built for the modern entrepreneur—a single source of truth for your business finances. Imagine a unified dashboard where banking, accounting, payroll, and cash management all come together, powered by artificial intelligence and seamless data connectivity.
Zero Fees—No Surprises, Ever
Let’s talk about fees. At Holdings, there are none. That means no monthly maintenance, no transaction fee, no wire transfer fee, no ATM fee at Allpoint locations, and no minimum daily balance. Every dollar you deposit stays in your account, building your wealth and giving you more control over your budget. Forget about hidden costs or “gotcha” charges—Holdings is all about transparency and simplicity.
Earn a Flat 2% APY—Your Money, Always Working for You
Why let your business cash sit idle? Holdings pays a flat 2% annual percentage yield (APY) on all eligible balances. That’s compound interest calculated daily, credited monthly, with no hoops to jump through. Your deposit account becomes a high-yield savings account, so your cash is always working for you, not just sitting in your bank account losing value to inflation.
Transparent, Predictable Pricing
Here’s how Holdings pricing breaks down:
Banking: Always free—$0/month. No account fees, no transaction fees, no wire fees.
Accounting Software: $20/month. Integrated accounting with seamless bank account sync, automated data entry, and instant financial statements.
Bookkeeping: Starts at $100/month. Dedicated experts keep your books clean, your payroll and payroll tax on track, and your business tax prep stress-free.
No hidden costs. No “gotcha” charges. Just forward pricing that respects your business and your budget.
The All-in-One Financial Hub for SMBs
Holdings is more than just a business checking account. It’s a complete finance operations platform. You get banking, high-yield APY, accounting, invoicing, bill pay, and optional full-service bookkeeping—all in one dashboard. Real-time cash flow insights, automated reconciliation, and the ability to manage accounts payable, accounts receivable, and payroll from a single login.
Cash-Friendly and Flexible
Not every business is digital-only. If you need to deposit cash, Holdings supports it at participating locations. That’s a huge advantage for retail, service, or event businesses that still accept physical payments. North One also supports cash deposits, but Holdings’ zero-fee policy makes every deposit count toward your bottom line.
Unlimited Free Transactions
With Holdings, you can make as many payments, deposits, or transfers as your business needs, without worrying about hitting a limit or getting charged extra. That means you can run payroll, pay vendors, reimburse employees, and move money between accounts as often as you want.
Real-Time Cash Flow Dashboards & Insights
Holdings gives you instant dashboards and reports, so you always know where your money is going. Track expenses, revenue, and profit margin in real time. Our integrated accounting solutions let you see your balance sheet, income statement, and cash flow at a glance—no more waiting for end-of-month reports or scrambling to reconcile your general ledger.
Proactive, Tailored Financing
Getting a business loan shouldn’t be a marathon of paperwork and waiting. Holdings uses your actual business performance—pulled directly from your banking and accounting records—to offer proactive, tailored loan offers. No more chasing banks or worrying about your credit score. We make it easy to access working capital when you need it.
Security and Peace of Mind
Your money’s safety is our top priority. Holdings deposits are insured up to $3 million through a combination of i3 Bank, Member FDIC, and additional program banks. That’s deposit insurance well above the industry standard. You also get virtual cards for enhanced fraud control, spend management, and seamless integration with mobile wallets like Apple Pay, Google Pay, and Samsung Pay.
Dedicated Customer Service—No Robots
When you need help, you don’t want a chatbot. Holdings offers real, dedicated customer service—no endless phone trees, just friendly experts who understand business banking, accounting, and merchant services.
Expense Management and Virtual Cards
Holdings lets you create and manage an unlimited number of virtual cards for your team. Set spending limits, track project costs, and instantly freeze or cancel suspicious cards. This gives you more control over your budget, protects your business from fraud, and makes expense management a breeze.
Automated Accounting and Bookkeeping
Most business owners didn’t start their company to spend hours reconciling transactions or tracking down receipts. Holdings brings everything together—banking, accounting, bookkeeping, payroll, tax, and audit—in one integrated system. Automated transaction categorization, real-time cash flow insights, and seamless accounting software integration with tools like Xero, QuickBooks, and Sage Intacct.
Strategic Cash Management
By combining smart payment processing with a high-yield account from Holdings, you can actively reduce costs and boost your rate of return. Review your payment processing statements, optimize for lower-fee methods like ACH, and put your cash to work in a high-interest business savings account.
Free Domestic Wire Transfers
Need to pay a vendor, settle an invoice, or move large sums of money? Holdings offers free domestic wire transfers, so you can move your money quickly, securely, and without hidden fees. That’s a huge advantage over traditional banks, which often charge $15–$50 per wire.
Payroll, Paychecks, and Direct Deposit
Holdings makes payroll simple. Run payroll, pay contractors, and process direct deposits right from your dashboard. Get instant alerts for incoming paychecks, outgoing payments, or potential overdrafts.
Budgeting and Scenario Planning
Set spending limits, categorize expenses, and track your income versus outgoings. Use Holdings’ budgeting tools to plan for taxes, payroll, and future investments. Scenario planning is built in, allowing you to see how every decision affects your cash flow and net worth.
Credit, Loans, and Debt Management
Access to credit can be a game-changer for SMBs. Holdings offers lines of credit, business credit cards, and competitive rates on loans and mortgages. Consolidate high-interest debt, avoid overdraft fees, and keep your costs under control—all from your Holdings dashboard.
Mobile Banking and Accessibility
Holdings’ mobile app puts your business finances in your pocket. Deposit checks, manage cards, approve payments, and track cash flow from anywhere. Whether you’re on iOS, Android, or using the web dashboard, you get a seamless, secure experience.
Merchant Services and Payment Flexibility
Holdings supports all the ways your customers prefer to pay—credit card, debit card, ACH, wire, and more. Accept payments in-person, online, or via invoice. Our merchant account options are designed for SMBs who want fast access to funds and transparent, flat-rate pricing.
Integration with Leading Accounting Software
Holdings plays nicely with the tools you already use. Connect to Xero, QuickBooks, Sage, and other top accounting software. Use our API for custom integrations and automate your data flow for maximum efficiency.
Real-World Example: Meet Jamie, the Hustling Owner
Jamie runs a creative agency. Before Holdings, she lost $40/month in bank fees, spent hours reconciling her bank account with her accounting software, and missed out on interest because her old bank paid 0.01% APY. Now, she pays $0 in banking fees, earns 2% APY, and spends just $20/month for integrated accounting. She added bookkeeping for $100/month, and her books are always clean and tax-ready.
The Holdings Difference: Perks for Being a Good Customer
No penalties for growth: unlimited free transactions.
No “gotcha” fees for using your own money.
Earn more as you grow: 2% APY on all balances.
Real-world benefits for SMB owners: keep more of what you earn, and let your money work for you.
Compare Holdings to Other Top Business Banks
Holdings stands out in the business banking market, offering high-interest business accounts and integrated accounting solutions. Whether you’re comparing us to Bluevine, Novo, Grasshopper, American Express Business, or Chase, Holdings delivers unmatched value and simplicity.
Who Should Choose Holdings?
SMBs with larger cash reserves who want to maximize interest earnings.
Businesses that want integrated banking, accounting, and bill pay in one place.
Owners who value automation and optional full-service bookkeeping.
Companies that need to deposit cash or want unlimited free wires and ACH.
Entrepreneurs seeking proactive, data-driven financing and a single dashboard for all financial operations.
Who Should Choose North One?
Businesses that want robust integrations with eCommerce, accounting, and productivity tools.
Owners who need flexible payment options and budgeting features.
SMBs seeking access to business financing and benefits.
Teams that want both physical and virtual debit cards with cash back.
Fees and Limits: Side-by-Side
Feature | Holdings | North One (Standard) |
|---|---|---|
Monthly Fee | $0 | $0 |
Transaction Fee | $0 | $0 |
Wire Transfer Fee | $0 | Outgoing fees may apply |
Cash Deposit Fee | $0 | $0 |
ATM Fee | $0 (Allpoint) | Free ATM refunds |
APY | 2.0% | None |
Accounting Integration | $20/month | Yes (many tools) |
Bookkeeping | From $100/month | Not included |
FDIC Insurance | Up to $3 million | Up to $250,000 |
The Bottom Line
Both Holdings and North One 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. 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?
Open your free business checking account online today and let your money—and your business—work harder for you. With Holdings, you get:
Zero fees, ever.
2% APY on all eligible balances.
Integrated accounting and bookkeeping.
Unlimited free transactions.
Cash deposits supported.
Up to $3 million in FDIC insurance.
Real, dedicated support.
Still Deciding? Let’s Chat
Every business is different. If you’d like to discuss your specific needs, our team is here to help—no pressure, no jargon, just genuine advice from people who understand.
Holdings: The Profit Platform for SMBs
At Holdings, we believe banking should be a catalyst for growth, not a barrier to it. We’re here to help you flip the script, keep more of what you earn, and build the business of your dreams. Ready to get started? Your future self will thank you.
Why Holdings Is the Single Source of Truth for Your Business Finances
Holdings isn’t just another fintech or business banking app. We’re a unified platform designed to give you total visibility and control over your business finances. Our ecosystem brings together everything from deposit accounts, savings accounts, and business checking to accounting software, payroll, and merchant services. That means less time toggling between apps, and more time growing your business.
High-Yield APY and Compound Interest—No Gimmicks
We don’t believe in teaser rates or complicated tier structures. Every eligible dollar in your Holdings account earns a flat 2% annual percentage yield, compounded daily and credited monthly. Whether you’re running a sole proprietorship or scaling a subsidiary, your money is always working for you.
Expense Management and Budgeting Tools That Actually Work
Managing expenses shouldn’t be a headache. Our dashboard gives you real-time data on your spending, with intuitive budgeting apps and scenario planning tools. Set goals, monitor cash flow, and see your net worth and income at a glance. Holdings is your partner in smarter, more productive finance operations.
Seamless Onboarding and Unmatched User Experience
Getting started with Holdings is simple. Open your business bank account online in minutes—no paperwork, no telephone hold times. Our onboarding process is designed to be as smooth as possible, whether you’re a small business specialist or a Fortune 500 subsidiary.
Security, Encryption, and Peace of Mind
Your data and your money are protected by industry-leading encryption, deposit insurance, and fraud controls. We partner with trusted financial institutions and leverage the latest in risk management and artificial intelligence to keep your assets safe.
Integrations That Power Your Business
Connect Holdings to your favorite accounting software—Intuit QuickBooks, Xero, Sage, and more. Use our open API to build custom workflows or sync with your POS, payroll, or merchant account. We’re all about making your business banking ecosystem work for you.
Real Customer Stories—Real Results
From creative agencies to real estate firms, SMBs across the country are saving money, earning more interest, and gaining peace of mind with Holdings. Our customers love the transparency, the high-yield APY, and the unified experience that makes managing business finances a breeze.
The Future of Business Banking—Reimagined
Holdings is committed to helping you build wealth, manage risk, and achieve your business goals. With features like remote deposit, contactless payment, and a mobile app that works on any device (iOS, Android, web), you’re always in control—no matter where you are.
Your Success Is Our Policy
At Holdings, we flip the script. Instead of penalizing you with fees, we reward your hustle with real perks and proactive funding—because your success is our priority. Whether you’re managing payroll, processing invoices, or planning your next big move, Holdings is the profit platform built for you.
Ready to Join the Banking Revolution?
Open your Holdings account today and experience the difference. No fees. 2% APY. Unlimited transactions. Real support. Because your business deserves a financial partner that’s as ambitious as you are.