Banking and accounting software, included.
Pay only for bookkeeping if you want it.
Free banking and accounting with no monthly fees — add a dedicated bookkeeper from $100/mo when you're ready.
Everything you need to run your organization—no monthly fee
Banking
- Unlimited business checking accounts
- No monthly fees or minimums^
- 1.75% APY on all balances†
- Domestic ACH and wire transfers
- FDIC insured up to $3M*
Cards
- Physical and virtual debit cards
- Per-card spend controls and limits
- Real-time transaction notifications
- 55,000+ fee-free ATMs^
- Lock/unlock instantly
Accounting Software
- Transaction workspace for all accounts
- Bulk categorization tools
- P&L, balance sheet, cash flow reports
- Cash and accrual basis support
- Connect external bank accounts
Add a dedicated bookkeeper when you're ready
Pricing is based on your average monthly revenue
Catch-up bookkeeping for historical months available for an additional one-time fee.
What's included with bookkeeping
Dedicated bookkeeper
A named professional who learns your organization—not a rotating team.
Custom setup
Chart of accounts structured to match how you run your organization.
Automated categorization
Transactions organized automatically with human oversight.
Monthly close
P&L and balance sheet delivered within 10 days of month-end.
Tax-ready books
Year-end financials ready for your CPA.
Cash-flow visibility
See what's coming in and out for the next 4–8 weeks.
Why Holdings beats the alternatives
DIY Bookkeeping
$0
+ 5-10 hrs/month
Part-time Bookkeeper
$500–1,000
+ separate banking
Holdings
$100–600
Banking + Books included
Most outsourced bookkeeping starts at $300–$600/month and still doesn't include your banking. Holdings combines both so you get one team, one bill, one back office.
Banking and accounting software are free whether you add bookkeeping or not.
Calculate your ROI
See exactly how much you'll save with Holdings banking and accounting
Who is Holdings for?
Built for founders and small teams who want one place for banking, accounting, and books
Freelancers & Content Creators
Keep income organized, track business expenses, and stay ready for quarterly taxes. One place for payments, spending, and books.
E-Commerce Sellers
Manage marketplace fees, inventory costs, and payment processor accounts. Clean books make it easier to get financing when you're ready to grow.
Contractors & Consultants
Separate business and personal finances, track project income and expenses, and hand off clean books to your accountant at tax time.
Small Teams & Startups
Issue cards with controls, organize cash by purpose (operating, payroll, tax reserves), and keep books current for investors or lenders.
Frequently asked questions
Straight answers about Holdings pricing
Is business banking really free?
Yes. Holdings business banking has no monthly fees, no minimum balance requirements, and no transaction fees for domestic ACH or wire transfers. You earn 1.75% APY on all balances.
What is included in the free accounting software?
Free accounting includes automatic transaction syncing, categorization, Profit & Loss reports, Balance Sheets, Cash Flow statements, and chart of accounts management.
How is bookkeeping pricing determined?
Bookkeeping pricing is based on your average monthly revenue — starting at $100/mo for up to $25K revenue and scaling to $600/mo for $500K+ revenue. Nonprofit pricing may differ.
Are there any hidden fees?
No. Banking and accounting are free. Bookkeeping is the only paid add-on and pricing is published on this page. We do not charge setup fees, cancellation fees, or monthly minimums beyond bookkeeping.
Can I try Holdings before committing?
Yes. You can open a free banking account and activate the free accounting software immediately. Add bookkeeping only when you are ready — there is no commitment required.
Ready to get started?
Start with free banking + accounting
Open your account in minutes. No credit card required. Add bookkeeping whenever you're ready.
Get StartedTalk to us about bookkeeping
Have questions about pricing, setup, or what's included? Our team can walk you through it.
Schedule a callReady to start?
Switch your nonprofit's banking in under a week.
Most organizations are fully set up in 3–5 business days. No contracts, no minimums, no surprises.
"We switched from Chase and were fully set up in 4 days."
— Placeholder testimonial
Holdings is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Holdings Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc.