What interest rates does Holdings offer?

Holdings offers tiered interest rates: 1.5% APY for balances $50K–$250K, 2% APY for $250K–$1M, and 3% APY for balances over $1M.

Are there monthly fees for Holdings business accounts?

No, Holdings offers fee-free business banking with no monthly fees and unlimited free ACH and wire transactions.

What accounting features are included with Holdings?

Holdings offers integrated accounting with automated reporting tied directly to banking activity, with additional bookkeeping services available based on business revenue.

How does the Sweep Program provide up to $3M in FDIC insurance?

Through i3 Bank's Sweep Program, your funds are distributed across multiple FDIC-insured banks, allowing for FDIC insurance coverage up to $3M. This extends beyond the standard $250,000 FDIC insurance limit per depositor.

Creating a New User in Holdings: Updated Process for 2025

Getting your team up and running on Holdings is easier than ever. Whether you’re setting up your account or inviting new users to your business group, our streamlined process puts you in control, so you can focus on growing your business, not wrangling logins.

How to Create a New User in Holdings

1. Sign Up Your Way

Google SSO Integration

Head to getholdigns.com/signup
Click “Continue with Google” and verify your Gmail credentials
You’ll land on your dashboard, where any pending company invites will be displayed

Email & Password Registration

Visit getholdings.com/signup
Enter your email 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

Need help funding your account or understanding roles?
Check out How to Fund Your Holdings Account: Step-by-Step Guide and Understanding Roles and Permissions in Holdings.

2. Adding Users as a SuperAdmin

If you’re a SuperAdmin, you can invite new team members to your business group:

Sign in to Holdings as a SuperAdmin
Go to the Administration section in the left menu
Select “Create a user” under Administration options
Fill in all required fields (note: some profile info can’t be changed later)
Double-check everything, then click “Create a user”
Share the new user code with your team member

Want to manage multiple accounts or streamline permissions?
See How to Create and Manage Multiple Holdings Accounts and How to Invite Team Members and Manage Roles in Holdings.

Security Features That Keep Your Business Safe

Every Holdings account comes with:

Advanced authentication (including Multi-Factor Authentication)
Role-based access controls
Money Movement Controls for transaction approvals
Virtual cards for enhanced fraud protection

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

Explore More Holdings Onboarding & Support

Ready to put your financial operations on autopilot? Create your Holdings account and discover banking that pays you back.

Disclaimers and footnotes

Holdings is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust and i3 Bank, Members FDIC. The Holdings Visa® Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
Funds deposited in your Holdings account are held by Evolve Bank & Trust and i3 Bank, Members FDIC. The standard deposit amount is $250,000 per depositor, per insured bank, for each account ownership category.

Through Evolve's Sweep Program, funds may be eligible for up to $5M in FDIC insurance. Find additional information about the Sweep Program here. Through i3 Bank's Sweep Program, funds may be eligible for up to $3M in FDIC insurance. Find additional information about the Sweep Program here