How Holdings Offers $3M FDIC Insurance: 2025 Update

Keeping your business’s cash safe shouldn’t be complicated—or capped at $250,000. That’s why Holdings partners with i3 Bank to offer a Business Account with expanded FDIC insurance, protecting your funds up to $3 million while giving you the flexibility and control you deserve.

What Is an FDIC Sweep Program?

An FDIC sweep program automatically spreads your deposits across a network of FDIC-insured banks, so you get coverage far beyond the standard limit. This means your growing business is always protected, even as your balances increase.

Want to see how Holdings makes business banking safer and simpler? Start with our Introducing Holdings: The Complete Financial Operating System for SMBs guide.

How Holdings’ Expanded FDIC Coverage Works

• Deposit funds into your Holdings Business Account.

• Funds are swept daily into multiple partner banks, each FDIC-insured.

• Coverage scales up to $3 million, adjusting automatically as your balance changes.

You can view and manage all your funds in one place, right from the Holdings dashboard—even though they’re distributed for maximum protection.

Related resources:

• How to Fund Your Holdings Account: Step-by-Step Guide

• Implementing Internal Controls in Holdings

• Business Banking Fees Explained: How Holdings Keeps It Simple

Why Expanded FDIC Coverage Matters for SMBs

Traditional banks often leave businesses exposed. Holdings gives you:

• Up to $3M FDIC insurance—not just $250,000.

• Zero fees, no minimums—so your money grows, not your costs.

• Integrated tools for banking, accounting, and bookkeeping—all in one platform.

Thinking about switching banks? Check out our Business Banking Switch Checklist and Timeline for Switching Business Banks: Step-by-Step Guide for SMBs.

More Ways Holdings Protects and Grows Your Money

• Implement the Profit First Strategy with Holdings

• How to Create and Manage Multiple Holdings Accounts

• Business Credit Scores Explained: What They Mean and Why They Matter

Frequently Asked Questions

How do I know my funds are protected?
Holdings leverages i3 Bank sweep program to automatically distribute your deposits across a network of FDIC-insured banks, ensuring coverage up to $3M.

Can I access my money anytime?
Yes! Even though your funds are distributed for safety, you can view, transfer, and manage them instantly from your Holdings dashboard.

Does expanded FDIC coverage cost extra?
Nope. Holdings offers this protection at no extra charge—just another way we help your business grow.

How can I get started?
Open your Holdings Business Account or contact our team for help maximizing your FDIC coverage.

Explore more SMB banking insights on our Support Center or dive into our Blog for actionable tips and real-world success stories.