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

Funding your Holdings account is the first step toward unlocking the full potential of smart, fee-free business banking. Whether you’re transferring funds from another bank or depositing a check, Holdings makes the process simple, secure, and efficient. Follow this guide to get started.

Step 1: Log In to Your Holdings Account

1. Navigate to Holdings Login and enter your credentials.

2. Once logged in, you’ll land on the Activity Page, where you can view your account balance and recent transactions.

Step 2: Initiate a Deposit

1. On the Activity Page, click on the “Money In” button at the top of the screen.

2. Choose one of the following deposit options based on your preference:

Option 1: Bank Transfer (ACH)

• Select Bank Transfer from the deposit options.

• Enter the transfer amount and connect your external bank account via Plaid.

• Confirm the transfer request to initiate an ACH deposit.

Option 2: Internal Transfer

• Choose Internal Transfer if you’re moving funds between accounts within your Holdings profile (e.g., Operating Account to Spending Account).

• Select the source account and destination account, enter the amount, and confirm the transfer for instant processing.

Option 3: Mobile Check Deposit

• Select Mobile Check Deposit from the list of options.

• Follow these steps:

  • Endorse the back of your check with “For Mobile Deposit Only” and your signature.

  • Take clear photos of the front and back of the check using your smartphone.

  • Confirm the check amount and submit it for processing directly through Holdings.

Step 3: Alternative Method – Initiate a Payment from Your Current Bank

If you prefer to fund your account directly from another bank:

1. Go to your current bank's online portal or app.

2. Use your Holdings account details (found under Accounts) to send funds via ACH or wire transfer:

   • Routing Number: [Your Routing Number]

   • Account Number: [Your Account Number]

3. For wire transfers, download detailed instructions by clicking “Download Full Wire Instructions” in your Holdings account page.

Benefits of Funding Your Holdings Account

1. Fee-Free Banking: No fees for deposits, transfers, or transactions—keep more money in your business.

2. High APY: Earn interest on your deposited funds while they remain accessible for business needs.

3. Secure Transactions: All deposits are encrypted and backed by FDIC insurance up to $3M through i3 Bank’s Sweep Program.

Tips for Success

• For ACH transfers, allow 1–3 business days for processing; wire transfers are typically same-day for domestic payments.

• Double-check all entered information (account number, routing number) to avoid delays in processing deposits.

• Retain physical checks for at least 14 days after mobile deposit submission in case verification is needed.

Why Fund Your Account Today?

Funding your Holdings account unlocks access to essential features like virtual cards, internal transfers, and seamless integrations with accounting software like QuickBooks or Plaid—all designed to simplify business operations.

Take control of your finances now—fund your account today!