Creating a New User in Holdings: Updated Process for 2025

Running a small or midsize business means you’re always looking for ways to save time, cut costs, and keep your team moving in the same direction. That’s why Holdings† was built as a modern financial platform for SMBs-combining free* business banking, high-yield APY‡, and seamless team management, all in one place. Whether you’re onboarding your first employee or scaling up your finance team, Holdings makes it easy to invite new users, assign the right roles, and keep your business secure.

This comprehensive guide covers every step of the process, from creating your own account to inviting teammates, setting permissions, and managing access. We’ll walk you through the exact screens you’ll see, provide real-world examples, and share best practices for onboarding your team-so you can focus on growing your business, not wrangling logins or chasing paperwork.

Table of Contents

• Why Team Management Matters for SMBs

• Getting Started: Creating Your Holdings Account

• Navigating the Holdings Team Page

• User Roles in Holdings: What Each Role Can Do

• Step-by-Step: How to Add a Team Member in Holdings

• The 7-Day Invite Rule: How It Works (and Why)

• Managing Pending Invites and Resending Access

• Security Features for Team Management

• Best Practices for Onboarding and Permissions

• Troubleshooting & FAQs

• Real-World Scenarios: Holdings in Action

• Keywords for Search and SEO

• Conclusion: Empower Your Team, Grow Your Business

Why Team Management Matters for SMBs

When you run a small or midsize business, your team is your most valuable asset. But traditional banks and outdated financial tools make it hard to collaborate. You might find yourself:

• Sharing a single login (risky and confusing)

• Paying extra for each user or admin seat

• Struggling to control who can see or move money

• Wasting time on manual approvals or paperwork

Holdings solves these pain points with a modern, role-based approach to team management. You get:

• Zero fees for adding users

• Role-based access controls for security and clarity

• Easy onboarding with email invites or Google SSO

• Real-time visibility into who has access and what they can do

Let’s dive into how you can set up your team for success.

Getting Started: Creating Your Holdings Account

Before you can add team members, you’ll need to create your own Holdings account. Holdings offers two simple ways to sign up:

1. Google SSO Integration

If you prefer a quick, password-free experience, use your Google account:

• Go to getholdings.com/signup

• Click “Continue with Google”

• Sign in with your Gmail credentials

• You’ll land directly on your Holdings dashboard, where you’ll see any pending company invites

2. Email & Password Registration

If you’d rather use a traditional email and password:

• Visit getholdings.com/signup

• Enter your email address and create a strong password

• Check your inbox for the “Finish your Holdings registration” email

• Click the confirmation link to activate your account and log in

Pro Tip: During your first login, update your profile with your mobile number. This adds an extra layer of security for verification and password recovery.

Navigating the Holdings Team Page

Once you’re logged in, managing your team starts from the Team page. Here’s what you’ll see:

• A list of current team members, their email addresses, and assigned roles (e.g., SuperAdmin, Admin, Member, Bookkeeper)

• The + Invite button for adding new users

• Options to switch entities (if you manage multiple businesses)

• Access to legacy statements and card management

This centralized view makes it easy to see who’s on your team, what they can do, and quickly invite new teammates as your business grows.

User Roles in Holdings: What Each Role Can Do

Choosing the right role for each team member is crucial for both security and efficiency. Holdings offers several distinct roles, each with specific permissions:

Role Selection in Action: When you click + Invite and choose “Add a team member,” you’ll see these options clearly listed, along with a description for each role.

Step-by-Step: How to Add a Team Member in Holdings

Inviting a new user is quick and intuitive. Here’s the exact process, based on the current Holdings interface:

1. Go to the Team Page

• From your Holdings dashboard, select Team in the left menu.

2. Click “+ Invite”

• This opens the “Add a team member” dialog.

3. Choose the Right Role

• Select Admin, Member, or Bookkeeper.

• Admin: Can move money, edit accounts, add teammates, and edit permissions.

• Member: Can view and edit connected accounts.

• Bookkeeper: Can view the platform, but cannot move money or add accounts.

• Click the arrow to proceed.

4. Enter the User’s Email Address

• Input the email address of your new team member.

• Double-check for typos-this is how they’ll receive their invite.

5. Send the Invite

• Click Send Invite.

• The user will receive an email invitation with a unique link.

Note: Some profile information (like email) cannot be changed later, so accuracy is important.

The 7-Day Invite Rule: How It Works (and Why)

Security is a top priority for Holdings. That’s why every team member invite link is only valid for 7 days. Here’s what you need to know:

• The new user must accept their invitation within 7 days.

• If they don’t, the invite will expire, and they won’t be able to join.

• You’ll need to resend the invitation from the dashboard if it expires.

Why this matters: Short-lived invite links help prevent unauthorized access and keep your business safe. If someone’s email is compromised or the invite is sent in error, there’s a limited window for misuse.

Managing Pending Invites and Resending Access

If a team member misses their 7-day window, don’t worry-resending an invite is simple:

• Go to the Team page

• Find the user with the pending invite (they’ll be listed as “Pending”)

• Click the option to Resend Invite

• The user will get a fresh email with a new 7-day link

This keeps your onboarding process smooth and secure, even if someone misses the first email.

Security Features for Team Management

Holdings is built with security at its core, especially when it comes to team access and permissions:

• Advanced Authentication: Multi-factor authentication (MFA) is available for all users, adding an extra layer of protection.

• Role-Based Access Controls: Only the right people can move money or edit sensitive settings.

• Money Movement Controls: Require transaction approvals or set custom workflows for high-value transfers.

• Virtual Cards: Issue virtual cards for team spending, with customizable limits and instant controls.

• Audit Trails: Every action is logged, so you can see who did what and when.

Pro Tip: Update your profile with a mobile number during your first login for extra account verification options.

Best Practices for Onboarding and Permissions

Efficient onboarding isn’t just about getting people access-it’s about setting them up for success. Here are some tips inspired by the latest onboarding best practices:

• Start with a Welcome: Send a personal note or Slack message to new users after you invite them.

• Assign the Right Role: Only give as much access as needed for each user’s job.

• Review Regularly: Check your Team page monthly to remove old users or update roles.

• Use Checklists: Create a simple onboarding checklist for new team members (e.g., accept invite, set up MFA, review permissions).

• Encourage Feedback: Ask new users if the onboarding process was clear and easy-continuous improvement helps everyone.

Troubleshooting & FAQs

Q: What if my team member doesn’t get the invite email? A: Ask them to check their spam or promotions folder. If it’s still missing, resend the invite from your Team page.

Q: Can I change a user’s role later? A: Yes! As an Admin or SuperAdmin, you can update roles and permissions at any time from the Team page.

Q: How do I remove a user? A: Click on the user’s name in the Team list and select “Remove from team.” This instantly revokes their access.

Q: Is there a limit to how many users I can add? A: No-Holdings doesn’t charge per user, so you can add as many teammates as your business needs.

Real-World Scenarios: Holdings in Action

Scenario 1: Onboarding Your Bookkeeper

You want your bookkeeper to review transactions but not move money. Here’s what you do:

• Click + Invite on the Team page

• Select Bookkeeper

• Enter their email and send the invite

• Remind them to accept within 7 days

• Once accepted, they can view all records but can’t initiate transfers

Scenario 2: Adding a New Admin

Your operations manager needs to handle payments and add new users:

• Click + Invite

• Select Admin

• Enter their email and send the invite

• They accept within 7 days and immediately get full admin privileges

Scenario 3: Managing Turnover

An employee leaves your company:

• Go to the Team page

• Click their name and remove them from the team

• Their access is instantly revoked, keeping your business secure

Conclusion: Empower Your Team, Grow Your Business

Holdings was built to make business banking and team management effortless for SMBs. With zero fees, high-yield APY, and robust user controls, you can onboard your team in minutes-not days. The intuitive Team page, clear role descriptions, and secure invite process mean you stay in control, your data stays safe, and your business can scale without the usual headaches.

Ready to put your financial operations on autopilot? Log in to Holdings, head to your Team page, and start inviting your team today. If you ever need help, Holdings’ friendly support is just a click away-because your business hustle deserves banking that works just as hard.

This guide is based on the latest Holdings platform interface and onboarding best practices for 2025. For more tips, check out our Support Center or reach out to our team for personalized help.

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:

• Getting Started with Holdings
  How to Fund Your Holdings Account: Step-by-Step Guide
  How to Invite Team Members and Manage Roles
  Understanding Roles and Permissions in Holdings

• Banking Features & Fee Transparency
  Business Banking Fees Explained: How Holdings Keeps It Simple
  Free Domestic Wire Transfers: Fast, Secure, and Cost-Effective Payments
  How to Send Wires, ACH, and Internal Transfers with Holdings

• Accounting & Bookkeeping Integration
  How to Connect Your Holdings Account to Accounting Platforms (QuickBooks, Plaid, Yodlee)
  Implementing Internal Controls in Holdings
  How to Create and Manage Multiple Holdings Accounts for Better Financial Organization

• Industry-Specific Solutions
  Banking and Bookkeeping for Agencies
  Dental Practice Financial Solutions
  Nonprofit Financial Management
  Ecommerce Business Banking

• Business Growth & Insights
  Holdings Blog: Tips, Trends, and SMB Success Stories
  Comparisons: How Holdings Stacks Up Against Other Business Banks
  Customer Success Story: How Pest IQ Uses Holdings to Fuel Growth

• Support & Contact
  Contact Holdings Support
  Holdings About Us
  Holdings Pricing