Open your Holdings account
Free business banking + AI bookkeeping. Most accounts are approved the same day.
Here's how it works
Tell us about your business
Select your business type and what you're looking for.
30 secComplete your application
Basic business info — EIN or SSN, contact details, ownership.
3–5 minYou're in
Most accounts approved same day. Start banking and tracking finances immediately.
Same dayEverything your business needs in one place
Select your business type above to see features built specifically for you.
Free Business Checking
1.75% APY, zero fees
AI Bookkeeping
Auto-categorization, real-time reports
FDIC Insured to $3M
Through our program bank network
What are you looking for?
Select all that apply
What you'll need
- Business name and address
- EIN (or SSN for sole proprietors)
- Personal identification (driver's license or passport)
- Ownership information (for LLCs/corps: all 25%+ owners)
Don't have everything? No worries — you can save your progress and come back.
“I was set up in 10 minutes. No branch visit, no fax. Just done.”
Sarah K.
Nonprofit Executive Director
“Finally, banking that makes sense. The AI bookkeeping alone saves me hours every month.”
Marcus T.
Freelance Consultant
“We switched from Chase and haven't looked back. Sub-accounts changed how we manage funds.”
David L.
Church Treasurer