Refer Customers to Holdings

At Holdings†, we know that the best kind of growth comes from community-real people sharing real experiences. That’s why our customer referral program is all about rewarding you for spreading the word and helping others discover a better way to bank. Whether you’re a small business owner, a freelancer, or just someone who loves sharing great finds, our referral program lets you earn cash bonuses while empowering your network with fee-free* banking, high-yield‡ savings, and seamless financial tools.

How the Holdings Referral Program Works

1. Share Holdings with Your Network

Start by introducing Holdings to businesses, friends, or colleagues who could use a smarter, more rewarding banking solution. Maybe you know a business owner tired of low interest on their deposit account, or a freelancer fed up with hidden fees and clunky online banking. With Holdings, you’re not just recommending another bank account-you’re offering a full financial hub with zero fees, high APY, and tools that make managing money a breeze.

2. Referee Lists You as Referrer

When your contact opens a new Holdings account, they’ll need to list you as the referring party during onboarding. This step is crucial-it’s how we ensure both of you are eligible for rewards. If they forget, don’t worry! Reach out to our customer service team within 30 days, and we’ll help make sure you get the credit you deserve.

3. Maintain a Qualifying Balance

Here’s where the bonuses come in. Once your referral opens their account, they just need to maintain a qualifying balance for 30 consecutive days. The more they deposit, the bigger the bonus for both of you:

  • $50 Bonus: For balances between $1,000 and $9,999

  • $100 Bonus: For balances between $10,000 and $49,999

  • $200 Bonus: For balances of $50,000 or more

4. Earn Your Reward

After the 30-day period, both you and your referral will see the bonus credited directly to your Holdings accounts-no hoops, no hidden fees, just extra money for helping your network discover a better way to bank.

Why Join the Holdings Referral Program?

Unlimited Earning Potential

There’s no cap on how many referrals you can make. Each qualifying referral earns you a bonus based on their maintained balance, so your earning potential is only limited by the size of your network. Whether you’re a networking pro or just getting started, every successful referral puts more cash in your pocket.

Mutual Benefits

Unlike some programs where only the referrer wins, Holdings rewards both parties. You both get a cash bonus, making it a true win-win. It’s not just about earning money-it’s about building a community where everyone benefits.

Simple, Transparent Process

We’ve designed our customer referral program to be as easy as possible. No confusing rules, no fine print, and absolutely no fees for participating. Just share, refer, and get rewarded.

Real-World Referral Scenarios

Let’s put this into perspective with a few examples:

  • Business Owner Referral: You refer a fellow entrepreneur who opens a Holdings account and maintains a $12,000 balance for 30 days. Both of you receive a $100 bonus-perfect for reinvesting in your businesses or treating your teams.

  • Freelancer Referral: You recommend Holdings to a client who keeps $60,000 in their new account for 30 days. Both of you pocket a $200 bonus-no strings attached.

  • Payroll Manager Referral: You connect a company’s HR manager to Holdings for their payroll needs. They set up direct deposit for their staff, maintain a $25,000 balance, and you both get a $100 bonus.

Holdings Features That Supercharge Your Referral Experience

Our referral program is just the start. Holdings is packed with features that make managing your finances easier, more rewarding, and more connected:

  • Mobile Banking: Our mobile app puts your bank account in your pocket. Track bonuses, transfer funds, and manage your business checking account or savings account anywhere, anytime.

  • Direct Deposit: Set up direct deposit for payroll, client payments, or recurring income. Your money lands in your account faster and with zero hassle.

  • Debit Card: Every Holdings account comes with a fee-free debit card for everyday purchases, ATM withdrawals, and secure online payments.

  • Online Banking: Access your accounts, pay bills, and move money with a few clicks. Our online banking platform is built for speed and simplicity.

  • Integrated Accounting: Holdings isn’t just a bank-it’s your financial sidekick. Our integrated accounting tools make bookkeeping, payroll, and tax prep effortless, saving you time and reducing stress.

  • High-Yield APY: Earn 2.0% APY on your balances-far above what most traditional banks offer. Your money works harder, so you don’t have to.

Frequently Asked Questions

Who Can Participate?

Any current Holdings customer in good standing can refer new customers. Your referrals must be new to Holdings-they can’t have held an account with us before.

How Do I Make Sure I Get Credit for My Referral?

Make sure your referral lists you as the referring party during onboarding. If they forget, contact our customer service team within 30 days of their account opening. We’re here to help!

Are There Any Fees or Limits?

Nope. There are no fees to participate, and you can refer as many people as you like. The more you share, the more you earn.

How Soon Will I Get My Bonus?

Bonuses are credited within 30 days after your referral maintains the qualifying balance for 30 consecutive days.

Can I Refer Businesses and Individuals?

Absolutely! Whether you’re referring a business owner, a freelancer, or a friend looking for a better banking experience, everyone is welcome.

Holdings vs. Traditional Bank Referral Programs

Let’s see how Holdings stacks up against the competition:

Feature

Holdings

Traditional Banks (e.g., Chase, TD, Axos)

Referral Bonus

Up to $200 per referral

$50–$100 per referral (often capped)

Referral Limit

Unlimited

Often capped (e.g., 10/year)

Minimum Balance

$1,000 (for $50 bonus)

Usually higher or with more restrictions

Fees

None

Possible account or referral fees

Integrated Tools

Banking + Accounting + Payroll

Banking only

APY

2.0%

0.01%–1.0% (typical)

Customer Experience

Friendly, all-in-one platform

Disconnected systems, more paperwork

Most traditional banks offer referral programs, but they’re often limited by caps, hidden fees, or complicated terms. Holdings keeps it simple: no limits, no fees, and real rewards for both you and your referrals.

Tips for Maximizing Your Referral Rewards

  • Personalize Your Referral: Share your own story about how Holdings has helped your business or simplified your finances.

  • Use Your Referral Link: Every Holdings customer gets a unique referral link-share it via email, social media, or even a QR code at your next networking event.

  • Leverage Multiple Channels: Don’t just stick to one platform. Use your newsletter, website, and word of mouth to reach your target audience.

  • Highlight Our Perks: Remind your network about zero fees, high APY, and integrated tools for accounting and payroll.

  • Follow Up: A quick check-in with your referral can help ensure they list you as the referring party and complete onboarding.

Holdings: More Than Just a Bank

We’re not just another financial institution. Holdings is your growth partner, offering:

  • Peace of Mind: Up to $3M in FDIC§ insurance and dedicated support when you need it.

  • No Hidden Fees: No monthly maintenance, no minimums, no surprise charges.

  • All-in-One Platform: Banking, accounting, and bookkeeping, all in one place.

  • Real Rewards: Cash bonuses for referrals, high-yield APY, and a loyalty program that gives back.

Why Our Referral Program Outperforms the Rest

  • No Cap on Bonuses: Refer as many people as you want-your earning potential is unlimited.

  • Simple Terms: No confusing rules or fine print. Just real rewards for real referrals.

  • Community-Driven: We grow together. Every new customer makes our community stronger.

  • Perfect for SMBs: Designed with small business owners, freelancers, and entrepreneurs in mind.

Frequently Overlooked Benefits

  • Boost Your Brand: By referring others to Holdings, you position yourself as a connector and financial expert in your community.

  • Enhance Customer Retention: Businesses that refer others to Holdings often see improved customer loyalty and deeper relationships.

  • Tax-Friendly Bonuses: All referral bonuses are reported as income, making it easy to track for tax purposes-no surprises at the end of the year.

How to Get Started

  1. Sign up for a Holdings account if you haven’t already.

  2. Share your referral link or simply tell your network to list you as the referrer during onboarding.

  3. Help your referral maintain the qualifying balance for 30 days.

  4. **Enjoy your bonus-**and repeat as often as you like!

Let’s Grow Together

At Holdings, we believe your hustle deserves to be rewarded. Our customer referral program is more than just an incentive-it’s a way to help your network, grow your business, and earn real money for spreading the word. With zero fees, high-yield APY, and an all-in-one platform for banking, accounting, and payroll, there’s never been a better time to refer a friend and unlock your cash bonuses.

Ready to start earning? Share Holdings today and watch your rewards-and your community-grow!




Helpful Resources to Get the Most from Holdings

Want to learn more about how Holdings can simplify and supercharge your business finances? Check out these essential guides, tools, and insights designed specifically for SMB owners like you: