- Transfers: ACH, Wire & Internal - Complete Guide
Everything you need to know about moving money-ACH transfers, wire transfers, and internal transfers, all fee-free.
- How to Deposit Checks Using Your Phone
Deposit checks using your smartphone-no bank visits, no fees, funds earn 1.75% APY. Troubleshoot rejected deposits and file size errors.
- Where Do I Find My Routing and Account Numbers?
Understand routing numbers, where to find them, and how to use them for transfers and deposits.
- How Do I Download Bank Statements and Documents?
Download bank statements, wire instructions, and verification letters from your dashboard.
- Why Did My Transfer Fail?
Why transfers fail and how to fix them-wires, ACH, and common issues explained.
- When Will I Get My Tax Documents?
When and how you'll receive your tax documents, plus how to update your address.
- Understanding Transaction Limits and Delays
Learn about daily transfer limits, processing times, and why some transactions take longer than expected.
- How to Export Transaction Data
Download your transaction history in CSV or PDF format for accounting, taxes, or record-keeping.
- Common Error Messages Explained
What Holdings error messages mean and how to resolve them quickly.
- Understanding Transfer Limits and Processing
How transfer limits work, transaction processing times, and what to do if you hit a limit.
- Why Was My Transfer Declined?
Common reasons transfers fail and how to fix them-from insufficient funds to security holds.
- Transaction Showing as Pending - What This Means
What pending status means, how long it lasts, and when to be concerned.
- Missing or Incorrect Transaction
What to do when a transaction is missing, shows the wrong amount, or appears unauthorized.
- Check Deposit Limits and Hold Periods
Understand check deposit limits by account age, hold periods under Regulation CC, and how limits increase over time.
- Why Is My Check on Hold?
Common reasons your deposited check is on hold, how long holds last, and what you can do while waiting for funds to become available.
- Same-Day ACH Transfers Explained
Learn how same-day ACH works, cut-off times, costs, and how to send faster transfers with Holdings.
- Domestic Wire Transfers (Free with Holdings)
Send and receive domestic wire transfers for free-step-by-step instructions, cut-off times, and security tips.
- How to Cancel or Edit a Scheduled Transfer
Find pending transfers, cancel before processing, edit recurring payments, and what to do when it's too late.
- How to Receive Wire Transfers and ACH Payments
Share the right banking details with clients and vendors so they can send you ACH payments or wire transfers.
- How to Share Your Account Details with Clients
Securely share routing numbers, wire instructions, and bank verification letters with clients and vendors.
- Setting Up Direct Deposit for Yourself
Route your salary or owner's draw into Holdings-find routing numbers, fill out payroll forms, and troubleshoot delays.
- Understanding Your Monthly Statement
Learn what's on your Holdings monthly statement, when it's available, and how to use it for tax prep and reconciliation.
- Setting Up Transaction Alerts and Notifications
Get notified about deposits, withdrawals, card activity, and low balances-set up alerts in minutes.
- Categorizing Transactions for Tax Time
Organize transactions into tax-ready categories-auto-categorization, manual edits, and IRS Schedule C alignment.
- Downloading Year-End Tax Reports
Find and download 1099-INT forms and annual statements for tax filing-timelines, corrections, and retention tips.
- Working with Your Accountant at Tax Time
Invite your accountant with Bookkeeper access, export data in accountant-friendly formats, and streamline tax prep.
- Can I Send International Wire Transfers with
Holdings does not currently support international wire transfers. Learn about alternatives for sending money abroad.
- How Do I Connect an External Bank Account?
How to link an external bank account to Holdings using Plaid so you can transfer funds between your banks.
- What Happens When an Incoming ACH Payment Fails?
What happens when an incoming ACH payment fails or is returned, why it happens, and what to do next.
- How Do I Pay Estimated Taxes from Holdings?
How to pay quarterly estimated taxes to the IRS and your state directly from your Holdings account via ACH.
- How Do I Create Invoices with Holdings?
Holdings offers a free invoice generator on the website. Learn how to create professional invoices and include your Holdings banking details for payment.
- Troubleshooting Mobile Check Deposits
Fix common mobile check deposit issues including image quality errors, file size limits, and rejected deposits.