Holdings: The Complete Financial Operating System for SMBs

Introduction: Meet Holdings, Your Financial Sidekick

Welcome to Holdings-the financial operating system built just for small and mid-sized businesses. Think of us as your business’s financial sidekick, here to help you earn more, keep more, and stress less. Unlike a traditional bank, Holdings is a modern SMB banking solution that combines zero-fee banking, high-yield savings, and all-in-one money management tools.

As a financial platform, we make it easy for you to handle everything from everyday banking to accounting and bookkeeping-all in one place. That means fewer headaches, more rewards, and a lot more time to focus on growing your business. With Holdings, your money works harder, your fees disappear, and your financial life gets a whole lot simpler.

Why Choose Holdings?

Zero-Fees, Maximum Rewards

Say goodbye to banking fees that eat into your profits. At Holdings, we believe your hard work should be rewarded-not penalized. That’s why our banking product charges zero-fees: no monthly maintenance costs, no minimum balance requirements, and absolutely no hidden charges.

While most traditional banks offer interest rates that barely register-often less than 0.1% APY-and tack on surprise fees for everyday transactions, Holdings flips the script. We offer up to 3.0% APY on your business deposits, so your money grows faster just by sitting in your account. With our SMB banking solution, you keep more of what you earn and watch your savings multiply, all without worrying about unexpected costs or fine print.

All-in-One Platform

Managing a business shouldn’t mean juggling a bunch of disconnected tools just to keep up with your finances. That’s why Holdings brings everything together-banking, accounting, and bookkeeping-in one seamless platform. As a true financial operating system, Holdings lets you handle your business funds, track expenses, pay bills, manage payroll, and keep your books up to date all in one place.

This kind of integration means you don’t have to waste time moving data between different apps or worry about mistakes slipping through the cracks. Instead of dealing with the hassle of spreadsheets, manual reconciliations, or switching between multiple logins, Holdings gives you a single, easy-to-use dashboard. You get real-time insights, faster reporting, and smarter decision-making-so you can focus on growing your business, not fighting with your financial tools.

With Holdings, you get the power and simplicity of a modern SMB banking solution, saving you hours each week and giving you the confidence that your financial information is always accurate and up to date.

Peace of Mind

When it comes to your business’s money, security and support are non-negotiable. That’s why Holdings gives you peace of mind with up to $3 million in FDIC insurance-far more coverage than most traditional banks offer. Your deposits are protected, so you can focus on running your business without worry.

And if you ever have a question or need a hand, our dedicated, friendly support team is always here for you. Whether you’re troubleshooting a transaction or just need some financial advice, you’ll get real help from real people who understand the challenges SMBs face. With Holdings, you’re never on your own-you’ve got a financial partner in your corner, every step of the way.

Getting Started with Holdings

Opening a Holdings account is quick, simple, and designed to get your business up and running without any hassle. Here’s how you can get started:

How to Open an Account

You can open your Holdings account entirely online-no need to visit a branch or fill out stacks of paperwork. Just head to our website, click “Sign Up,” and follow the step-by-step instructions. The process is straightforward and only takes a few minutes.

To open your SMB banking solution with Holdings, you’ll need a few basic details and documents:

• Personal identification: A government-issued photo ID, like a driver’s license or passport.

• Business information: Your business name, address, and contact information.

• Tax ID: For most businesses, this is your Employer Identification Number (EIN). Sole proprietors may use their Social Security Number instead.

• Business formation documents: Depending on your business type, you might need your business license, Articles of Organization (LLC), or Articles of Incorporation (corporation).

• Ownership details: Information about anyone with a significant ownership stake or management role in your business.

Once you’ve gathered these items, just follow the prompts to upload your documents and complete your application. If you have questions or need help at any step, our friendly support team is always ready to assist.

With Holdings, opening an account is as easy as it should be-so you can focus on what matters most: growing your business.

Adding Users, Roles, and Permissions

With Holdings, you’re in control of who can access your business finances and what they can do. Adding team members is simple-just invite them through your Holdings platform by entering their email address and choosing their role.

You can assign specific roles and permissions to each user, so everyone has the right level of access. For example, you might give your bookkeeper permission to view transactions and manage accounting, while your business partner can approve payments and handle banking tasks. This way, sensitive information stays secure, and you reduce the risk of mistakes or fraud.

Customizing roles and permissions means you can confidently delegate financial tasks without giving up control. Holdings makes it easy to keep your business banking organized, secure, and running smoothly-even as your team grows.

Funding Your Account

Getting money into your Holdings account is fast and flexible, whether you’re an SMB owner or a freelancer. Here’s a simple step-by-step guide to help you get started:

• Sign up for Holdings today: Access your account online.

• Choose Your Funding Method:

• External Bank Transfer: Link your existing business or personal bank account and transfer funds directly into your Holdings account. Just enter your other bank’s details and follow the prompts-most transfers complete in 1-3 business days.

• Internal Transfer: If you already have multiple accounts with Holdings, you can move money instantly between them.

• Check Deposit: Snap a photo of your check using the Holdings account. Enter the check details, confirm the amount, and submit. Your funds will be available as soon as the check clears.

• Confirm Your Deposit: You’ll get a notification when your funds are received and available to use.

With Holdings, there are no fees for moving your money-whether you’re transferring from another bank, depositing checks, or moving funds within your Holdings accounts. It’s all about making business banking simple, fast, and hassle-free.

Moving Money, Made Easy

Sending Wires, ACH, and Transfers

Holdings makes sending wires, ACH, and internal transfers completely fee-free and straightforward. We understand that moving money quickly and securely is crucial for your business, so we’ve designed our platform to eliminate the usual banking fees that can add up and slow you down.

With Holdings, you can send domestic wire transfers, ACH, and internal transfers without worrying about hidden costs or complicated processes. Our system is built to be user-friendly, allowing you to initiate transfers with just a few clicks from your account.

Whether you’re paying vendors, sending payroll, or transferring funds between accounts, Holdings ensures your money moves fast and securely. Plus, our transparent, no-fee policy means you keep more of your hard-earned cash where it belongs-in your business.

Experience hassle-free money movement with Holdings, the SMB banking solution that puts your business first.

Free Domestic Wire Transfers

Holdings makes sending domestic wire transfers fast, secure, and completely free-something you won’t find at most traditional banks. While many banks charge anywhere from $15 to $50 per wire transfer, and often tack on extra requirements or balance minimums just to waive those fees, Holdings keeps it simple: every domestic wire transfer is fee-free for all customers, no strings attached.

Speed: Domestic wire transfers with Holdings are processed quickly-often arriving the same business day, so your vendors, partners, or employees get paid without delay. No more waiting days for funds to clear or worrying about missed deadlines.

Security: Every transfer is encrypted and monitored for fraud, giving you peace of mind that your money is moving safely. You’ll receive real-time notifications and can track every transaction from your dashboard.

Cost Benefits: With Holdings, you never have to budget for wire transfer fees again. Traditional banks can charge $30 or more per outgoing wire, which adds up fast for growing businesses. By eliminating these charges, Holdings helps you keep more of your hard-earned money in your business-where it belongs.

Switch to Holdings and experience the freedom of fast, secure, and truly free domestic wire transfers-one more way our SMB banking solution puts your business first.

Protecting Your Business & Maximizing Rewards

$3M FDIC Insurance Explained

With Holdings, your business deposits are protected by up to $3 million in FDIC insurance-ten times more than what most traditional banks offer. This means your hard-earned money is safe, even in the rare event of a bank failure. Our expanded coverage gives you the confidence to grow your balances without worrying about risk, so you can focus on running your business with total peace of mind.

Internal Controls

Security is at the heart of our financial operating system. Holdings gives you robust internal controls, letting you set custom permissions and approval flows for every team member. You decide who can view balances, approve payments, or access sensitive information. These controls help prevent mistakes and reduce the risk of fraud, so you can delegate tasks without giving up control. Every transaction is monitored and protected with advanced measures, keeping your business safe around the clock.

No Hidden Fees

Transparency is a core value at Holdings. Our fee structure is simple: there are no hidden fees, no surprise charges, and no fine print. You’ll never be caught off guard by unexpected costs-what you see is what you get. With Holdings, you can finally say goodbye to confusing statements and focus on growing your business, knowing exactly where every dollar goes.

Switching to Holdings: A Simple Process

Timeline for Switching

Switching to Holdings can be done in just a few days. Here’s a simple timeline:

• Day 1: Open your Holdings account and gather your business documents.

• Day 2: Fund your new account and invite your team members.

• Day 3: Start transferring funds, payroll, and any recurring transactions.

• Day 4-5: Double-check that all payments and deposits are set up correctly, and close your old business bank account once everything is running smoothly.

Moving Payroll and Recurring Payments

Switching your payroll is easy with Holdings. Export your payroll data from your old bank or provider, then import it into Holdings using our guided setup. Update your payroll provider with your new Holdings account details, and run a test payroll to make sure everything is working.

Common Mistakes and How to Avoid Them

• Not updating all payees: Double-check that every vendor, utility, and subscription has your new Holdings account info.

• Closing your old account too soon: Wait until all incoming and outgoing payments have cleared before closing your previous bank account.

• Missing a test run: Run a test payroll and payment to catch any issues early.

• Not communicating with your team: Make sure everyone involved in your finances knows about the switch and their new roles.

By following these tips and using Holdings’ simple tools, you’ll enjoy a smooth, worry-free transition to a smarter, more rewarding business banking experience.

More Ways Holdings Helps Your Business

Implementing the Profit First Strategy

Managing cash flow can be stressful, but Holdings makes it simple to put the Profit First strategy into action. Easily set up dedicated accounts for profit, taxes, expenses, and more right from your dashboard. Automatically allocate a percentage of every deposit to each account, so you’re always prepared for what’s next-and you never forget to pay yourself first.

Creating and Managing Virtual Cards

Online spending should be safe and flexible. With Holdings, you can instantly create virtual debit cards for yourself or your team. Use them for online purchases, subscriptions, or to set spending limits for employees. Virtual cards help protect your main account and make it easy to track spending-giving you more control and peace of mind.

Real-World Examples & Customer Stories

Don’t just take our word for it-see how real businesses are thriving with Holdings:

• Design Studio: “Switching to Holdings saved me over $500 a year in banking fees. Now I can reinvest that money into growing my business.”

• Tech Startup: “We used to spend hours every month reconciling accounts across different platforms. With Holdings, everything’s in one place, and our bookkeeping takes minutes, not hours.”

• Landscaping Company: “The Profit First setup is a game-changer. I always know my expenses are covered, and I’m finally paying myself consistently.”

These stories are just a few examples of how Holdings empowers SMBs to save time, reduce stress, and keep more of their hard-earned money.

Still Exploring? Check Out Our Blog

Curious to learn more about making your money work harder or want practical tips for running your business smarter? Our blog is packed with actionable advice and real-world strategies for SMBs. Here are a few articles you might find helpful:

• The Hidden Cost of Payment Processing Discover how payment processing fees can quietly eat into your profits-and get tips for minimizing those costs with smarter banking choices.

• Smart Strategies for Inventory Financing in 2025 Learn how to optimize your inventory financing, avoid cash flow crunches, and keep your shelves stocked without tying up all your capital.

• Why the Most Successful Business Owners Are Obsessed with Banking Systems See how top entrepreneurs use modern banking systems to save time, reduce errors, and drive business growth.

Ready to Make Your Money Work Harder?

Why settle for a bank that charges you fees and gives you nothing in return? With Holdings, you get a financial operating system that rewards your hustle, simplifies your finances, and helps your business grow-without the headaches.

Ready to experience banking that actually works for you? Sign up for Holdings today and start earning more with zero fees and up to 3.0% APY.

Have questions or want a personal walkthrough? Our friendly support team is here to help!

• Live Chat: Click the chat icon on our website for instant answers

• Email: [email protected]

• Phone: Call or text us at (888) 806-1639 (Mon–Fri, 8am–6pm ET)

No matter how you reach out, you’ll always get real help from real people who care about your business. Let’s make your money work harder-together!

External Resources & References

Looking for more trusted information to support your business? Check out these official resources:

• FDIC Insurance Information Learn how federal deposit insurance protects your business funds and get answers to common questions about coverage. Visit the FDIC’s official website14

• IRS Small Business Resources Access tax tips, tools, and guides designed specifically for small businesses and self-employed individuals. Explore the IRS Small Business and Self-Employed Tax Center

• U.S. Small Business Administration (SBA) Get help with business planning, funding, and growth from the SBA’s extensive library of guides and resources. Visit the SBA resource center

• SCORE: Free Business Mentoring Connect with experienced business mentors for free advice and support to help your business succeed. Learn more about SCORE

• National Women’s Business Council (NWBC) Find resources, reports, and networking opportunities for women entrepreneurs. Explore the NWBC

These resources are here to help you stay informed, make smart decisions, and grow your business with confidence.