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.

Introducing Holdings: The Complete Financial Operating System for SMBs

Welcome to Holdings—your business’s new financial sidekick. We’re here to help you earn more, save on fees, and simplify every part of your financial life.

Why Holdings?

Zero Fees, Maximum Rewards: No hidden costs, no minimums, just up to 3.0% APY for your hard work.
All-in-One Platform: Banking, accounting, and bookkeeping—no more juggling disconnected tools.
Peace of Mind: Up to $3M FDIC insurance and dedicated support, whenever you need it.

Get the Most from Holdings: Start Here

Whether you’re new to business banking or ready to level up, we’ve got you covered. Explore our most helpful guides and resources:

Getting Started with Holdings

Protecting Your Business & Maximizing Rewards

Moving Money, Made Easy

Switching to Holdings? We Make It Simple

More Ways Holdings Helps Your Business

Still Exploring? Check Out Our Blog

Ready to make your business money work harder?
Sign up today or contact us for dedicated support.

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