Holdings: SMB Banking & Accounting Platform | 2% APY, Zero Fees
Welcome to Holdings, where your business’s financial future gets the upgrade it deserves. We’re not just another fintech company—we’re your dedicated financial partner, built for small and mid-sized businesses (SMBs) who want to grow, save, and thrive. If you’re tired of juggling disconnected tools, hidden fees, and lackluster service, you’re in the right place. Holdings is your all-in-one financial operating system, designed to make every dollar—and every minute—work harder for you.
Why Holdings? Because Your Business Deserves More
1. Zero Fees, Real Rewards
Let’s start with the basics: At Holdings, there are no account fees, no domestic transaction fees, and no hidden costs. We believe your revenue should stay in your business, not vanish into a maze of charges. Whether you’re managing a deposit account, sending payments, or moving money between accounts, you’ll never be surprised by a fee.
2. Earn a Flat 2% APY on All Eligible Balances
Your savings account should actually help you save. With Holdings, you get a flat 2% Annual Percentage Yield (APY) on all eligible balances, compounded and credited monthly. That’s not a teaser rate or a limited offer—it’s our way of rewarding your hustle. While traditional banks and even many credit unions offer a fraction of that, Holdings puts your money to work, so your cash grows while you focus on business.
3. Up to $3 Million in FDIC Insurance
Security is non-negotiable. With Holdings, your deposits are insured up to $3 million through i3 Bank, Member FDIC, and additional program banks. That’s peace of mind far beyond what most financial institutions offer, so you can focus on growth, not risk.
The Holdings Platform: One Dashboard, Every Tool
4. Banking, Accounting, and Bookkeeping—Unified
No more toggling between spreadsheets, outdated accounting software, or clunky dashboards. Holdings brings core banking, accounting, and bookkeeping together in one seamless, digital banking platform. You get a single login and a unified dashboard for everything from bank account management to invoice processing, expense management, and payroll.
5. Pricing That’s Simple, Transparent, and Fair
Banking: $0/month. No fees for accounts, domestic transactions, or wires.
Integrated Accounting: $20/month. Full-featured accounting software that syncs with your banking for real-time insights and automation.
Full-Service Bookkeeping: Starts at $100/month. Let our experts handle your books, so you can focus on what you do best.
6. No Mobile App? No Problem
We don’t have a mobile banking app, but our website is fully mobile-reactive. Whether you’re at your desk or on the go, you get the same secure, seamless experience on any device. Your business banking, accounting, and cash management are always at your fingertips.
Built for Modern Businesses: Features That Matter
7. Effortless Onboarding and User Management
Getting started with Holdings is a breeze. Our onboarding process guides you step by step, so you can open your account online in minutes. Invite team members, assign roles, and set permissions for maximum security and control. Whether you’re a sole proprietor or managing a growing organization, you decide who can access sensitive information, approve payments, or handle bookkeeping.
8. Advanced Security and Fraud Protection
Security isn’t just a feature—it’s our foundation. Your data and transactions are protected with advanced encryption, audit trails, and fraud monitoring. With customizable internal controls and approval flows, you minimize risk and maximize transparency.
9. Real-Time Cash Flow Management
Stay on top of your cash flow with real-time analytics and forecasting. Our dashboard gives you instant visibility into your financial operations, from accounts receivable and accounts payable to payroll, expenses, and revenue. No more guessing—just actionable insights.
Say Goodbye to Banking Headaches
10. Free Domestic Wires, ACH, and Transfers
Holdings eliminates the pain of wire and ACH fees. Move money quickly and securely—whether you’re paying vendors, running payroll, or transferring between accounts. Every transaction is tracked and recorded for easy reconciliation and reporting.
11. Instant Virtual Debit Cards
Need to control spending or empower your team? Instantly create virtual debit cards for online purchases, subscriptions, or employee expenses. Set spending limits and track every transaction for airtight expense management.
12. Automated Accounting and Bookkeeping
Our integrated accounting software automates everything from invoice processing and accounts payable to general ledger management and financial statement generation. No more manual data entry, spreadsheets, or late nights reconciling books.
Designed for Growth: Tools for Every SMB
13. Profit First, Made Easy
Implementing the Profit First strategy is simple with Holdings. Set up dedicated accounts for profit, taxes, expenses, and more. Automate allocations so you’re always prepared for tax season, payroll, or that next big investment.
14. Seamless Integrations
Connect Holdings with your favorite tools like Xero, Microsoft Dynamics 365, and more. Our open API and data integration features ensure your financial data flows smoothly between systems, supporting everything from enterprise resource planning to customer relationship management.
15. Powerful Analytics and Reporting
Make smarter decisions with real-time analytics, customizable reporting, and scenario planning. Track your balance sheet, income, expenses, and cash flow with clarity. Export reports for audits, regulatory compliance, or your chief financial officer.
Real Support from Real People
16. Friendly, Expert Customer Service
Questions about a transaction? Need help with onboarding or payroll? Our customer service team is here for you—real people who understand SMB challenges and are ready to help. Reach out by chat, email, or phone and get the support you deserve.
How Holdings Helps You Win
17. Save Money, Boost Profit
With zero fees, high-yield savings, and affordable accounting, Holdings helps you keep more of your hard-earned money. Every dollar saved on fees or interest is a dollar you can reinvest in your business.
18. Automate and Simplify
Our automation tools reduce manual work, minimize errors, and free up your time. From automated payment processing to streamlined bookkeeping, Holdings lets you focus on growth, not grunt work.
19. Enhanced Security and Risk Management
With advanced fraud detection, customizable permissions, and full audit trails, Holdings protects your assets and reduces risk. You’re always in control, with visibility into every transaction and user action.
Getting Started: Open Your Holdings Account Today
20. Simple Online Signup
Open your Holdings account online in minutes. All you need is your business information, tax ID, and a government-issued ID. Our onboarding process is designed for speed and simplicity—no branch visits, no stacks of paperwork.
21. Fund Your Account Your Way
Link external bank accounts for easy transfers, deposit checks, or move money between Holdings accounts. Every method is fast, secure, and fee-free.
22. Add Your Team, Assign Roles
Invite your accountant, bookkeeper, or business partner. Assign roles and permissions so everyone has the right level of access. Protect sensitive data and reduce the risk of fraud or mistakes.
Moving Money, Made Effortless
23. Free Domestic Wires and ACH
Send payments, pay bills, and transfer funds without worrying about fees. Holdings supports all your business payment needs, from payroll to vendor payments.
24. Real-Time Notifications
Stay in the loop with instant notifications for every transaction, deposit, or payment. Monitor your cash flow and identify issues before they become problems.
25. Full Audit Trails
Every action is tracked and recorded, giving you a complete audit trail for compliance, reporting, and peace of mind.
Advanced Accounting for Modern Businesses
26. Integrated Accounting Software
For just $20/month, get full-featured accounting software built into your Holdings dashboard. Automate invoicing, expense tracking, accounts payable, and more. Generate financial statements, manage your general ledger, and close your books with confidence.
27. Full-Service Bookkeeping
Let our experts handle your books for as little as $100/month. From data entry to reconciliation, we keep your financials accurate and up-to-date, so you can focus on running your business.
28. Powerful Budgeting and Forecasting
Plan for the future with advanced budgeting tools, forecasting, and scenario planning. Set goals, track progress, and make adjustments in real time.
Security, Compliance, and Peace of Mind
29. Up to $3 Million in FDIC Insurance
Your deposits are protected up to $3 million, far exceeding standard limits. Sleep easy knowing your business assets are secure.
30. Regulatory Compliance Built In
Holdings is built with compliance in mind. From KYC onboarding to transaction monitoring, we help you meet regulatory requirements and reduce risk.
31. Advanced Fraud Detection
Our technology monitors every transaction for signs of fraud, helping you identify and stop threats before they impact your business.
Holdings: The Modern Financial Operating System for SMBs
32. The Holdings Difference
At Holdings, we flip the script on business banking. No more hidden fees, low interest rates, or disconnected tools. You get a unified financial platform that combines online banking, accounting, bookkeeping, and cash management—backed by real people who care about your success.
Zero fees on banking and domestic transactions
2% APY on all eligible balances
$20/month for integrated accounting
Bookkeeping from $100/month
Up to $3 million FDIC insurance
No mobile app required—just a mobile-responsive website
Full-service support from real experts
Ready to Experience the Holdings Advantage?
If you’re an entrepreneur, business owner, or financial leader looking for a better way to manage your money, Holdings is here to help. We’re not just another banking option—we’re your financial sidekick, built for modern business.
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No fees, no surprises, just rewards
Get real support from real people
Let’s make your business banking smarter, safer, and more rewarding. Join Holdings today and see how easy financial management can be.
Ready to get started? Visit getholdings.com and see how Holdings can help your business grow, save, and thrive—without the headaches.