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.

Enhancing Security with Multi-Factor Authentication at Holdings

Keeping your business’s money safe is our top priority. That’s why Holdings uses Multi-Factor Authentication (MFA)—an extra layer of security that protects your high-yield account, even if your password is compromised.

How MFA Works at Holdings

Download an authenticator app (like Google Authenticator, Microsoft Authenticator, Authy, Duo Mobile, or LastPass Authenticator) on your smartphone.
Scan the QR code during setup to connect the app to your Holdings account.
Enter the unique 6-digit code from your app every time you log in—this code refreshes every 30 seconds for maximum security.

This approach follows zero-trust security best practices, requiring verification at each access point to your business’s financial data.

Want a full overview of how Holdings keeps your business secure and efficient?
Start with Introducing Holdings: The Complete Financial Operating System for SMBs.

Why MFA is Essential for Your Business

Blocks unauthorized access: Even if someone gets your password, they can’t access your account without your MFA code.
Prevents phishing attacks: MFA makes it much harder for attackers to break in, even if you accidentally share your password.
Protects your business funds: Only verified users can move money or access sensitive information.
Works with other security features: MFA is just one part of our security suite, alongside Money Movement Controls and up to $3M in FDIC insurance.

Troubleshooting MFA Issues

Device Change or Loss:
If you get a new phone or lose your device, you’ll need to reconfigure your authenticator app. Contact Holdings support for help restoring secure access.

Time Sync Problems:
If your code isn’t working, make sure your phone’s clock is synced—most authenticator apps have a “sync” feature.

App Malfunctions:
Try restarting your device or reinstalling the app. For persistent issues, our support team is here to help.

More Ways Holdings Protects Your Business

Questions or need help with MFA? Contact Holdings support for fast, friendly assistance.

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