Free banking and unlimited invoicing. No strings.
Business checking with 1.75% APY, unlimited invoices and quotes, a Visa debit card with sub-accounts, and 57 free tools. $0/mo — upgrade to Software only when you need full accounting.
No credit card required · No minimums · Free for nonprofits
Your free account
$0/moBalance
$18,420
APY
1.75%
Outstanding
$4,950
Invoices
Everything in the Free plan
Mapped exactly to what's in the product — nothing here is a trial or a teaser.
Business Checking
No fees, 1.75% APY, FDIC insured to $3M
Invoicing & Quotes
Unlimited invoices and quotes, e-sign accept, status tracking
Cards & Sub-Accounts
Visa debit card plus sub-accounts to organize money
57 Free Tools
Calculators, templates, and generators — no paywall
Nonprofit Profile
Public profile + verified badge for 501(c)(3)s
What "free" actually includes
The real feature set, straight from the product
Real business banking, genuinely free
Zero-fee business checking that earns from day one. No monthly fees, no minimums, no transaction limits — and your deposits are protected well beyond the standard limit.
- No monthly fees, no minimum balance
- 1.75% APY on all balances, credited monthly
- FDIC insured up to $3M via i3 Bank and program banks
- ACH transfers and bill pay
- Transactions appear in your workspace in real time
Account summary
Banking services provided by i3 Bank, Member FDIC
Unlimited invoices and quotes — not a teaser
The full invoicing workflow is free: build invoices with line items, discounts, and tax; send quotes clients can accept online with an e-signature; convert accepted quotes to invoices in one click.
- Unlimited invoices with auto-numbering and due dates
- Quotes/estimates with online accept or decline and e-signature
- One-click quote-to-invoice conversion
- Secure client view links and PDF download — no client login
- Status tracking: draft, sent, viewed, paid, overdue
- Record full or partial payments
- PDFs include a small 'Powered by Holdings' mark (Software removes it)
Invoice #1042
Software removes the Holdings mark and adds your logo, recurring invoices & overdue reminders
Spend and organize without spreadsheets
A Visa debit card for everyday spending, plus sub-accounts to split money by purpose — taxes, payroll, savings goals — without opening more bank accounts.
- Visa debit card included
- Sub-accounts to organize money by purpose
- Card transactions land in your workspace automatically
Sub-accounts
One account, organized your way
A toolbox most software charges for
Invoice generator, tax calculators, budget templates, P&L builder, runway calculator, nonprofit scorecard, and dozens more. Use many of them without even creating an account — with a free account, your data saves.
- 57+ tools across invoicing, taxes, budgeting, and planning
- Nonprofit-specific tools: runway calculator, scorecard
- Data saves to your workspace with a free account
Popular tools
Browse all 57 at getholdings.com/tools
Free visibility for verified nonprofits
Verified 501(c)(3)s get a public organization profile with a verified badge, listed in the Holdings nonprofit directory and searchable by category and location — free forever. Ready for real books? Fund Accounting is $25/mo.
- Public nonprofit profile page with verified badge
- Listing in the Holdings nonprofit directory
- Mission, team, programs, and donation link on your profile
- Upgrade to Fund Accounting ($25/mo) for board-ready reports
Verification
Verification is free and one-time
When you're ready
Upgrade to Software when you need full accounting
Upgrade when you want your books done in the same place: full double-entry accounting with reports and reconciliation, linked external accounts, recurring billing, and automatic overdue reminders — plus the Holdings watermark comes off your invoices and quotes, replaced by your own logo and brand color. Try Software free for 30 days — everything from Free carries over: your account, your invoices, your data.
See everything in Software →Two plans. That's it.
Free
This page$0/mo
No credit card required
- Free business checking + 1.75% APY
- Unlimited invoices & quotes
- Visa debit card + sub-accounts
- 57+ business tools
- Nonprofit public profile
Software
$25/mo
30-day free trial · then $25/mo, or $240/yr billed annually (save 20%)
- Everything in Free, plus:
- Full double-entry accounting
- P&L, balance sheet & cash flow reports
- Bank reconciliation + linked external accounts
- Recurring invoices & automatic overdue reminders
- Your logo & brand color — no Holdings watermark
Run a 501(c)(3)? Free verified profile + directory listing, and fund accounting at $25/mo.
Frequently asked questions
Straight answers about the Free plan
Is the Free plan actually free?
Yes — $0/mo, forever. No trial clock, no credit card required, no minimum balance. Free business checking, unlimited invoicing and quotes, a Visa debit card with sub-accounts, and 57 business tools.
What's the catch with free banking?
There isn't one. Holdings business checking has no monthly fees and no minimums, earns 1.75% APY on all balances, and deposits are FDIC insured up to $3M through i3 Bank and program banks. We make money when customers upgrade to the $25/mo Software plan — banking stays free either way.
Is invoicing really unlimited on the Free plan?
Yes. Create unlimited invoices and quotes, send them by email or secure client link, download PDFs, and track status from draft to paid. Clients can accept quotes online — with e-signature — and you convert accepted quotes to invoices in one click. Free-plan PDFs include a small 'Powered by Holdings' mark; upgrading to Software removes it and puts your own logo and brand color on every invoice and quote, plus recurring invoices and automatic overdue reminders.
Can I invite my team on the Free plan?
Yes — team access is included on every plan. Invite teammates, your treasurer, or your bookkeeper with their own logins; no shared passwords.
What are the 57 free tools?
Invoice generator, tax calculators, budget templates, P&L builder, runway calculator, nonprofit scorecard, and more. Many work without an account; with a free account your data saves to your workspace.
What do nonprofits get for free?
Every verified 501(c)(3) gets a public nonprofit profile with a verified badge and directory listing — free forever. Free banking and 57 free tools too. When you need real books, Fund Accounting is $25/mo. Verify with your EIN and IRS determination letter.
When should I upgrade to Software?
When you want real books: full double-entry accounting, P&L and balance sheet reports, bank reconciliation, linked external accounts via Plaid, recurring invoices, and automatic overdue reminders. Software also removes the 'Powered by Holdings' mark from your invoice and quote PDFs and replaces it with your own logo and brand color. You can try Software free for 30 days — after that it's $25/mo or $240/yr — and everything you've done on Free carries over.
Do I have to use Holdings as my only bank?
No. Open the free account alongside your existing bank and use it for what makes sense — invoicing income, a sub-account for taxes, or your full operating account. Switching is optional, not required.
Start free. Stay free as long as you like.
Banking, invoicing, and 57 tools at $0/mo. When you're ready for full accounting, Software is one click away.
Explore More
Everything in Software — $25/mo
Free Business Banking
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
Plans & Pricing
Transparent pricing with zero hidden fees.
57+ Free Business Tools
Invoice generator, P&L, expense tracker, and more.
Free Business Health Check
Free for Nonprofits
Free tools and accounting designed for nonprofit organizations.
Holdings vs Mercury
See how Holdings compares to Mercury — tools, accounting, and banking.
Holdings vs Wave
Compare Holdings and Wave for accounting features.