Holdings: Secure SMB Banking & Money Movement | 2% APY, Zero Fees

Introduction: Why Secure Money Movement Matters

Managing business finances today is more complex than ever. With the rise of online banking, digital payment systems, and rapid money movement, the risks to your business accounts have multiplied. Fraud, cyberattacks, and scams are constant threats, and the stakes are high: a single vulnerability can lead to account takeover, data breaches, or even business failure. That’s why Holdings was built—to flip the script and put you, the business owner, in control of your financial security.

At Holdings, we believe that protecting your money shouldn’t be complicated, expensive, or full of friction. Our platform combines zero-fee business checking, a flat 2% APY on all eligible balances, integrated accounting, and expert bookkeeping—all with advanced security features designed to keep your assets safe and your business running smoothly.

The Foundation: Business Account Protection at Holdings

Business account protection isn’t just a feature—it’s the foundation of everything we do. We know that your deposit accounts are the lifeblood of your business, and that every transaction, invoice, and payment is critical. That’s why Holdings offers a suite of security measures and internal controls that go beyond basic password protection or two-factor authentication.

Our approach is simple: make it easy for you to move money confidently, while keeping fraudsters, scammers, and cybercriminals out. With Holdings, your business checking account is more than just a place to deposit cash—it’s a secure, modern hub for all your financial transactions.

What Are Money Movement Controls?

Money Movement Controls are the backbone of our fraud protection system. Think of them as your business’s digital bouncers—no money leaves your account without the right approvals. Here’s how it works:

• Dual Approval: Every outgoing payment, whether it’s an ACH, wire transfer, or internal transfer, requires two sets of eyes. One authorized user initiates the transaction, and a second Admin or SuperAdmin must review and approve it before funds are released.

• Separation of Duties: This classic internal control ensures no single person has unchecked access to move company funds, drastically reducing the risk of internal fraud, error, or misappropriation.

• Full Transparency: Every action is logged, creating a clear audit trail for every financial transaction, approval, and change in user permissions.

By integrating these controls into our mobile-responsive website, Holdings gives you the confidence to manage your business finances from any device—without worrying about vulnerabilities or unauthorized access.

How Money Movement Controls Work at Holdings

Setting up Money Movement Controls with Holdings is straightforward and designed for real-world business needs:

• Log in as a SuperAdmin using our secure, web-based dashboard.

• Navigate to the Team tab—this is where you manage roles, permissions, and access control for your organization.

• Select “Add money movement controls” to activate dual approval.

• Toggle “Money Movement Admin Approvals” to require a second Admin or SuperAdmin to review and approve every outgoing payment.

Once enabled, every outgoing wire, ACH, or internal transfer is locked behind a two-step process. This not only protects your assets but also helps you meet regulatory compliance requirements and pass audits with flying colors.

Security Features That Set Holdings Apart

When it comes to business banking, not all security features are created equal. Holdings goes far beyond the basics, offering a layered approach to information security and fraud protection:

• Role-Based Access Control: Only authorized team members can initiate or approve financial transactions. You decide who gets access, and you can update permissions anytime.

• Multi-Factor Authentication (MFA): Every user must verify their identity, making unauthorized access much harder for fraudsters or hackers.

• Data Encryption: All account data, credentials, and transactions are encrypted—both in transit and at rest—using advanced technology that meets or exceeds industry standards.

• Automated Fraud Monitoring: Our systems flag suspicious transactions and alert you instantly, so you can respond before any damage is done.

• Real-Time Notifications: Get SMS or email alerts for pending approvals, completed payments, and any changes to your account security settings.

• Complete Audit Trails: Every money movement, approval, and permission change is automatically logged for easy reference during audits or internal reviews.

Protecting Your Business from Modern Threats

The digital landscape is full of risks: phishing, ransomware, malware, and social engineering attacks are constantly evolving. Holdings is built to help you stay ahead:

• Account Protection: Our platform shields your deposit accounts from unauthorized access, account takeover, and bank fraud.

• Fraud Detection: Automated systems and real-time alerts help you spot and stop fraud before it impacts your business finances.

• Internal Controls: By requiring dual approval and separation of duties, we make it much harder for anyone—inside or outside your organization—to move money without oversight.

• Regulatory Compliance: Holdings helps you stay compliant with laws and regulations like the Bank Secrecy Act, Anti-Money Laundering rules, and more.

Zero-Fee Business Banking with Real Perks

Let’s talk about price, because we know hidden fees are a huge pain point for business owners. At Holdings, we believe your money should work for you—not for the bank.

• Zero Account or Domestic Transaction Fees: You won’t get dinged for moving money, making payments, or managing your business checking account. (Some foreign transaction fees may apply in limited circumstances.)

• Flat 2% APY: Earn a competitive yield on all eligible balances, with interest compounded and credited monthly.

• Integrated Accounting for $20/month: No more juggling multiple apps or software. Our accounting solution syncs seamlessly with your business checking account, automating bookkeeping, accounts payable, accounts receivable, and more.

• Full-Service Bookkeeping from $100/month: Get expert help managing your general ledger, balance sheet, cash flow, and financial transactions—so you can focus on growing your business.

FDIC Insurance and Deposit Protection

Your business funds are protected up to $3 million through a combination of i3 Bank, Member FDIC, and additional program banks. This means your deposit accounts have robust coverage, even as your business grows.

• Deposit Insurance: Protects against bank failure and gives you peace of mind.

• Sweep Networks: For businesses with higher balances, our sweep system extends FDIC coverage automatically.

• Secure Debit Card: The Holdings Visa Debit Card is issued by i3 Bank and can be used anywhere Visa is accepted, with all the security features you expect from a modern payment card.

Streamlined Cash Management and Accounting

Managing cash, payments, and accounting shouldn’t be a headache. Holdings brings everything together in one secure, digital platform:

• Online Banking: Access your business accounts, review bank statements, and manage cash receipts from any device.

• Automated Clearing House (ACH) Payments: Move money quickly and securely with built-in controls.

• Wire Transfers: Send and receive funds with confidence, knowing every transaction is protected by dual approval and audit trails.

• Accounts Payable & Receivable: Manage invoices, payments, and reimbursements with ease.

• General Ledger Integration: All your financial data flows into a single, organized system for accurate reporting and audit readiness.

Advanced Security for Every Transaction

Every financial transaction on Holdings is protected by multiple layers of security:

• Authentication: Every login is secured with strong authentication protocols, reducing the risk of credential theft or unauthorized access.

• Encryption: Sensitive information—like account numbers, personal information, and payment details—is encrypted end-to-end.

• Internal Audit Tools: Easily review transaction histories, user actions, and system changes for complete transparency.

• Fraud Protection: Automated systems monitor for unusual activity, potential scams, or phishing attempts, alerting you immediately.

Accessibility and Convenience

We know you’re always on the move. That’s why Holdings offers a mobile-responsive website that works perfectly on smartphones, tablets, and desktops—no need for a separate mobile app. Whether you’re reviewing a payment, approving a wire transfer, or checking your cash flow, you can do it all from any device, anywhere.

• Mobile Banking Experience: Enjoy all the features of digital banking without sacrificing security or convenience.

• Accessibility: Our platform is designed for all users, with intuitive navigation and clear controls.

Real-Time Reporting and Data Security

Stay on top of your business finances with real-time data, customizable reports, and advanced data security:

• Reporting: Generate reports on cash flow, revenue, expenses, and more.

• Data Security: Your information assets are protected by robust firewalls, encryption, and regular security audits.

• Cloud Storage: Access your financial data securely from anywhere, with confidence that your information is safe.

Managing Risk and Regulatory Compliance

Risk management isn’t just about preventing theft—it’s about building confidence for your customers, partners, and board of directors. Holdings helps you manage risk at every level:

• Know Your Customer (KYC): We verify every user to prevent identity theft and fraud.

• Regulatory Compliance: Our systems are designed to help you meet requirements for tax, audit, and financial reporting.

• Internal Controls: Dual approval, role-based access, and audit trails make compliance simple and stress-free.

Protecting Against Fraud and Cyber Threats

Fraudsters and cybercriminals are always looking for new ways to exploit vulnerabilities. Holdings gives you the tools to fight back:

• Fraud Detection: Automated systems scan for signs of credit card fraud, bank fraud, and suspicious activity.

• Phishing and Social Engineering Protection: Education, alerts, and technology work together to keep your team safe.

• Ransomware and Malware Defense: Our platform is built with the latest security measures to protect against emerging threats.

Streamlined Onboarding and User Management

Getting started with Holdings is easy:

• Simple Onboarding: Open your business bank account online in minutes.

• User Management: Add, remove, or update users and roles as your organization grows.

• Separation of Duties: Assign different permissions to employees, ensuring internal controls and reducing liability.

Secure Payments and Cash Flow Management

Holdings makes it easy to pay vendors, manage payroll, and keep your cash flow healthy:

• Payment Processor Integration: Connect with your preferred payment systems for seamless transactions.

• Automated Payments: Schedule recurring payments, manage accounts payable, and automate reimbursements.

• Cash Controls: Monitor and control every dollar moving in and out of your business accounts.

Transparency and Audit Readiness

Transparency isn’t just a buzzword—it’s a necessity for modern businesses. Holdings gives you the tools you need to stay audit-ready:

• Complete Audit Trails: Every transaction, approval, and change is logged and easily accessible.

• Internal Audit Tools: Review and export data for audits, board meetings, or regulatory reviews.

• Reporting: Generate balance sheets, income statements, and custom reports with a few clicks.

Built for Modern Businesses

Holdings is designed for today’s business landscape—fast, digital, and always evolving. Whether you’re a startup, nonprofit, or established company, our platform adapts to your needs:

• Scalable Solutions: As your business grows, Holdings grows with you.

• Innovation: We’re constantly updating our technology to stay ahead of threats and deliver the best possible customer experience.

• API Access: Integrate Holdings with your favorite fintech tools, accounting software, or payroll systems.

Frequently Asked Questions

How does Holdings protect against wire transfer and ACH fraud? Every outgoing payment requires dual approval, automated monitoring, and real-time notifications, drastically reducing the risk of unauthorized transactions.

Is my money insured at Holdings? Yes, deposits are insured up to $3 million through a combination of i3 Bank, Member FDIC, and additional program banks.

Are there any hidden fees? No. Holdings offers zero account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.

Do I need to download a mobile app? No app required! Our mobile-responsive website gives you full access to your business accounts from any device.

Can I integrate Holdings with my accounting software? Yes. Our integrated accounting solution syncs seamlessly with your business checking account, or you can use our API for custom integrations.

Pricing at a Glance

Ready to Experience Secure Money Movement?

Holdings is your partner in secure, modern business banking. With robust money movement controls, zero fees, a flat 2% APY, and integrated accounting, we help you keep more of what you earn and protect every dollar. Whether you’re preparing for an audit, scaling your team, or simply want peace of mind, Holdings delivers the protection, transparency, and convenience your business deserves.

Open your business account today and see how secure, friction-free money movement can transform your financial experience. Your business, your money—protected, managed, and growing with Holdings.