Personal Banking for Business Owners
Keep business and personal funds separate — manage both from one dashboard. Personal checking with 1.75% APY, zero fees, FDIC insured.
Features
- High-yield savings with 1.75% APY on all balances
- No minimum balance, FDIC insured up to $3M
- Physical and virtual debit cards
- Instant transfers between business and personal accounts
- One login for everything — business checking, personal checking, cards
Personal banking that works with your business, not against it
Keep business and personal separate—but manage both in one place. Instant transfers, clear visibility, and no juggling multiple banks.
Operating
$127,450
Payroll
$48,200
Tax Reserve
$35,750
Checking
$12,340
Savings
$25,000
Business and personal banking in one place—without the mess
Keep them separate (legally and for taxes)
Your business and personal finances stay completely separate for tax purposes and legal protection. But you don't need two different banks to make that happen.
Move money instantly
Pay yourself, transfer for personal expenses, or move cash back into the business—instantly, from the same app. No waiting 2-3 days for ACH transfers between banks.
See the full picture
Know exactly how much is business cash and how much is yours. One login, two clear accounts, complete visibility.
Everything you expect from personal banking
High-Yield Savings
- 1.75% APY on all balances†
- No minimum balance
- FDIC insured up to $250K*
Debit Card
- Physical and virtual cards
- Apple Pay, Google Pay
- 55,000+ fee-free ATMs^
- Real-time transaction notifications
No Fees^
- No monthly fees
- No minimum balance
- No overdraft fees
- No account closure fees
Instant Transfers to Business
- Move money between accounts instantly
- No fees, no waiting
- Track everything in one app
One app. Two accounts. Complete control.
Business income flows into your business account. When you're ready to pay yourself, transfer to your personal account instantly—no ACH delays, no separate bank logins. Need to move money back for a business expense? Do it in seconds.
Why this beats traditional banks
Built for business owners who want simplicity
Sole Proprietors
Keep client payments separate from personal spending, but manage both from one place. No more logging into two different banks.
Freelancers
Get paid into your business account, pay yourself what you need, and keep the rest ready for taxes or reinvestment.
Small Business Owners
Run payroll and business expenses from your business accounts, then pay yourself to your personal account—all instantly.
Side Hustlers
Keep your side business organized and separate from personal finances without the hassle of multiple banking relationships.
Designed to work as one system
Paying Yourself
Transfer your salary or owner's draw from business to personal instantly. Track it in one place so you always know how much you've paid yourself this month or year.
Personal Expenses That Are Actually Business
Accidentally use your personal card for a business expense? Move money from business to personal to cover it, then categorize the transaction correctly in accounting.
Cash Flow Management
See total cash across business and personal accounts in one dashboard. Know exactly what's available without doing mental math across multiple banks.
Your money is safe and separate
Legally Separate
Business and personal accounts are completely separate entities. This protects you for tax purposes and maintains legal separation for LLCs and S-corps.
FDIC Insured
Business accounts insured up to $3M through multiple partner banks. Personal accounts insured up to $250K. Your money is protected.
Common questions
Is personal banking free too?
Yes. No monthly fees, no minimums, no hidden charges. Just like Holdings business banking.
Can I have both business and personal accounts?
Absolutely. That's the whole point. Open a business account, then add a personal account from the same login.
How do I transfer money between business and personal?
Instantly, from the Holdings app. Select the accounts, enter the amount, and it's done in seconds.
Is this safe for tax purposes?
Yes. Business and personal accounts are completely separate entities. You're still maintaining proper separation—just managing both from one platform instead of two banks.
What if I already have a personal bank account somewhere else?
You can keep it and add a Holdings personal account, or you can move everything over. It's up to you. Many customers start by opening personal at Holdings, then gradually move their primary banking over once they see how much easier it is.
Can I use my personal account for direct deposit from my employer?
Yes, if you have W-2 income from another job. You can route your paycheck to your Holdings personal account.
Do I need a business account to open a personal account?
No, but the real value comes from having both. If you're a business owner or freelancer, the instant transfers and unified view are what make Holdings different from a regular personal checking account.
Run your business here too
Get business checking, cards, accounting, and bookkeeping in the same platform.
Learn about business bankingReady to simplify your banking?
Open business + personal accounts
Get the full platform. Manage business and personal finances from one place.
Get startedAlready have a business account?
Add a personal account to your existing Holdings profile in minutes.
Add personal accountHoldings is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Holdings Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc.