Personal & Business Accounts with Holdings

Managing your finances shouldn’t feel like a circus act-especially when you’re wearing both the business owner and personal money manager hats. If you’ve ever found yourself toggling between different bank accounts, chasing down receipts, or dreading the monthly accounting grind, you’re not alone. That’s exactly why Holdings was created: to give business owners and everyday people a smarter, simpler way to handle all their money, all in one place.

Why Managing Multiple Accounts Gets Messy

Let’s face it: traditional banks haven’t made it easy to keep your business and personal finances organized. Maybe you started your business as a side hustle, using your personal bank account to accept payments and cover expenses. Or perhaps you’re a seasoned entrepreneur juggling multiple companies, each with its own business checking account, credit card, and set of passwords. The result? A tangled web of logins, statements, and tax headaches.

Mixing business and personal funds can lead to all sorts of problems:

• Confusing cash flow that makes budgeting a nightmare

• Tax headaches when you need to separate business expenses from personal ones

• Risking your limited liability protection if you’re an LLC or corporation

• Wasted time logging in and out of different banking apps

• Missed opportunities to earn more on your money due to low interest rates and hidden fees

Holdings is here to change all that, giving you a single, unified platform to manage every dollar-whether it’s for your business, your personal life, or both.

All Your Money, One Dashboard

Imagine logging in to a single dashboard and seeing your business and personal bank accounts, savings accounts, and even investment accounts-all side by side. With Holdings, you don’t have to imagine. Our unified dashboard gives you a real-time view of your balances, recent transactions, and account details for every account you own. No more switching browsers, hunting for passwords, or wondering where your money went.

This isn’t just about convenience-it’s about control. When you can see your cash flow across all accounts at a glance, you’re empowered to make smarter decisions. Need to pay a vendor from your business account, transfer money to your personal savings, or check if a client payment cleared? It’s all right there, in one place.

The Power of a Unified Dashboard

• Instantly view all balances and recent transactions

• Track business revenue, expenses, and personal spending side by side

• Get real-time updates-no waiting for statements to post

• Easily categorize transactions for bookkeeping and tax prep

• Set up alerts for large transactions, low balances, or unusual activity

For business owners, this means no more surprises at tax time. For everyone, it means less time managing money and more time enjoying life.

Managing Multiple Businesses? No Problem

Many entrepreneurs don’t stop at one business. Maybe you run a consulting firm and a side e-commerce store. Or perhaps you’re a freelancer with multiple clients, each needing separate invoicing and payment tracking. Holdings lets you use the same email address to manage multiple business accounts, so you can switch between companies without ever logging out.

This feature is a game-changer for anyone with more than one business entity. You’ll save time, reduce the risk of password fatigue, and keep your financial data organized-no more mixing up which account pays which bill.

How Holdings Makes Multi-Business Management Easy

• Use a single email and login for all your Holdings accounts

• Switch between business entities with a click-no logging out

• Keep business transactions, expenses, and cash flow separate for each company

• Simplify bookkeeping and accounting across multiple businesses

• Reduce the risk of errors that come from juggling multiple banks or software platforms

Seamless Transfers and Smarter Cash Flow

One of the biggest headaches for business owners is moving money between accounts. Maybe you need to pay yourself from your business account, cover a personal expense, or send funds to a contractor. With traditional banks, this can mean waiting days for transfers to clear, paying wire transfer or ACH fees, or dealing with clunky interfaces.

Holdings changes the game with instant, fee-free transfers between your own accounts-or to any other Holdings user. That means you can pay yourself, cover a bill, or send money to a team member in seconds, not days.

Key Cash Flow Features

• Instantly transfer money between business and personal accounts

• Send payments to other Holdings users for free

• Schedule recurring transfers for payroll, savings, or regular expenses

• No fees for internal transfers-keep more of your money working for you

• Real-time updates so you always know your available balance

Efficient cash flow management is critical for every business, whether you’re a sole proprietorship or a growing corporation. Holdings helps you stay on top of it, so you never miss a beat.

Switching Banks? Here’s What You Need to Know

Thinking about moving your business banking to Holdings to take advantage of zero fees and high APY? Smart move! But you might wonder: will switching banks hurt my business credit?

The good news: switching banks does not negatively impact your business credit as long as you keep your payment information updated and your accounts in sync. Holdings’ integrated tools make this transition smooth and stress-free. Just update your payment details with vendors, payroll providers, and any linked services, and you’re good to go.

Why Switching to Holdings is Low-Risk and High-Reward

• No impact on business credit if you update payment info promptly

• Integrated tools help you track which accounts need updating

• Dedicated support to guide you through the transition

• Zero fees, no minimums, and up to 3.0% APY-so your money works harder

• Peace of mind knowing your finances are organized and compliant

Many business owners stick with traditional banks out of habit, not because they’re getting great service or value. Holdings makes it easy to switch and start earning more on your deposits right away.

Personal Accounts Built for Entrepreneurs

Holdings personal accounts aren’t just for everyday spending-they’re designed with business owners in mind. Use your personal account for savings, emergency funds, or any expenses outside your business. Keeping your business and personal finances separate isn’t just good practice-it’s essential for accurate accounting, tax deductions, and protecting your limited liability.

Why Separation Matters

• Simplifies bookkeeping and makes tax time less stressful

• Protects your personal assets if your business is an LLC or corporation

• Makes it easier to track business expenses and maximize tax deductions

• Helps you build a clear audit trail for the IRS or other authorities

If you’re just starting a business, you’ll need to know the difference between an EIN (Employer Identification Number) and a Federal Tax ID. Holdings offers easy-to-follow guides to help you open your business account with confidence and keep your finances totally separate.

Integrated Accounting and Bookkeeping Tools

Managing your books shouldn’t require a degree in accounting. Holdings includes integrated accounting software and full-service bookkeeping options, so you can track every invoice, expense, and payment without juggling spreadsheets or third-party apps.

Accounting Made Easy

• Track income, expenses, and cash flow in real time

• Generate and send invoices directly from your dashboard

• Categorize transactions for easy tax prep and reporting

• Reconcile accounts automatically-no manual data entry

• Prepare for audits with clean, organized records

Whether you’re a sole proprietor, LLC, or corporation, Holdings’ accounting tools help you stay compliant and ready for tax season.

Payroll, Direct Deposit, and Employee Management

Paying your team shouldn’t be a hassle. With Holdings, you can set up direct deposit for your employees, contractors, or even yourself. Payroll integration ensures everyone gets paid on time, every time.

Payroll Features

• Direct deposit for employee paychecks-fast and secure

• Automatic payroll tax calculations and reporting

• Integration with popular payroll software for seamless management

• Track payroll expenses and employee benefits in one place

• No extra fees for payroll services

For small business owners, this means less time on admin and more time focused on growing your company.

Security, Insurance, and Peace of Mind

Your money and information deserve top-tier protection. Holdings uses advanced security measures-including multi-factor authentication, encryption, and real-time fraud detection-to keep your accounts safe. Plus, your deposits are insured up to $3 million through FDIC insurance, giving you peace of mind that your hard-earned money is secure.

Security Highlights

• FDIC insurance up to $3 million per member

• Real-time fraud monitoring and alerts

• Secure mobile and online banking with industry-leading encryption

• Multi-factor authentication for every login

• 24/7 customer support for any security concerns

Mobile Banking and On-the-Go Access

Business doesn’t stop when you leave the office, and neither does your banking. Holdings is accessible in your mobile browser lets you deposit checks, transfer funds, monitor transactions, and receive real-time notifications-all from your phone or tablet.

Mobile Features

• Remote deposit for checks-no trips to the branch

• Instant notifications for account activity

• Easy transfers between accounts or to other Holdings users

• Secure login with biometrics or multi-factor authentication

• Access to all your accounts, anytime, anywhere

No Fees, No Minimums-Just Rewards

Tired of banks that nickel-and-dime you with monthly service fees, overdraft charges, and transaction fees? Holdings is built differently. We believe your money should work for you, not against you.

Fee-Free Banking

• No monthly service fees or minimum balance requirements

• No overdraft fees-ever

• Free internal transfers and bill payments

• Transparent pricing for all services

• Earn up to 3.0% APY on your deposits

This means more money stays in your pocket, where it belongs.

Support for Every Situation-Including Non-U.S. Members

Every business is unique, and sometimes you need a little extra help-especially if you’re a non-U.S. member navigating citizenship requirements or international regulations. Holdings offers step-by-step guidance for resolving common issues, like locked citizenship fields during sign-up, and our support team is always ready to assist.

Dedicated Support

• Step-by-step guides for account setup and troubleshooting

• Personalized help for non-U.S. members and international businesses

• Access to small business specialists who understand your needs

• 24/7 support via chat, email, or phone

You’re never alone when you bank with Holdings.

Tax Time Made Simple

Tax season doesn’t have to be stressful. Holdings helps you stay organized all year long, so you’re ready when it’s time to file. Easily export your financial statements, track deductible expenses, and generate reports for your accountant or tax preparer.

Tax Tools

• Categorize transactions for easy tax deduction tracking

• Generate year-end reports for business and personal accounts

• Integrated bookkeeping to prepare for audits and compliance

• Educational resources on income tax, payroll tax, and tax planning

Built for Every Business Structure

Whether you’re a sole proprietorship, partnership, LLC, or corporation, Holdings adapts to your needs. Our platform supports multiple business types, with tailored solutions for each.

Business Structures Supported

• Sole proprietorships: Keep business and personal finances separate for tax and liability protection

• Partnerships: Manage joint accounts and shared expenses with ease

• LLCs and corporations: Maintain compliance, protect assets, and simplify accounting

• Nonprofits and subsidiaries: Track funds and manage multiple entities from one dashboard

Why Holdings is the Modern Choice for SMBs

Traditional banks are built for the past. Holdings is built for your future. We combine zero-fee banking, high-yield APY, integrated accounting, and full-service bookkeeping in one platform-so you can focus on what matters most: growing your business and enjoying your life.

Holdings vs. Traditional Banks

Real-World Example: How Holdings Saves You Time and Money

Let’s say you’re a freelance graphic designer who recently incorporated as an LLC. You use Holdings to open both a business checking account and a personal savings account. You invoice clients directly from your Holdings dashboard, receive payments via ACH, and pay yourself with an instant, fee-free transfer to your personal account. At tax time, you export your categorized expenses and income reports, making filing a breeze. No more sifting through old statements or worrying about missing deductions.

Or maybe you’re a small retail store owner with employees. You use Holdings to run payroll with direct deposit, track inventory expenses, and accept card payments from customers. Your deposits earn up to 3.0% APY, and you never pay a monthly service fee. When you’re ready to expand, you apply for a business loan directly from your dashboard-no paperwork, no hassle.

The Bottom Line: Banking That Works for You

Banking with Holdings means less time juggling accounts, more time growing your business, and a whole lot more peace of mind. Whether you’re managing multiple companies, switching banks, or just want your finances to make sense, Holdings gives you the tools-and the support-to make it happen.

• No fees, no minimums, just rewards for your hard work

• One platform for banking, accounting, and bookkeeping

• Financial tools that scale with your business

• Up to $3M FDIC insurance and dedicated support

Your business hustle deserves banking that works just as hard. That’s Holdings: the financial sidekick that helps you earn more, save time, and focus on what you do best.

Ready to simplify your financial life? Open your personal and business accounts with Holdings today and experience banking that pays you back.