Free business checking with $1.75% APY — zero fees
Earn $1.75% APY on every dollar, with unlimited sub-accounts and zero fees — all connected to your accounting automatically.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Total Balance
$211,400.82
$127,450.82
$48,200.00
$35,750.00
Why teams switch to Holdings for banking
A better way to organize and manage your company's cash
One place for all your accounts
Separate accounts for operating, payroll, and taxes—all visible in a single dashboard. No more juggling bank logins.
Connected to your books
Transactions flow straight into accounting. No exports, no manual categorization, no duplicate work.
Built for teams
Invite your bookkeeper, CFO, or ops team with the right permissions. Switch between entities without logging out.
How it works
From setup to daily use
Open accounts for how you think
Create separate accounts for operating, payroll, taxes, and projects. Name them whatever makes sense—no branch visits required.
Q4 Marketing Budget
Checking
$0.00
See everything in one dashboard
All your accounts and balances in one place. Always know what's available vs. what's already spoken for.
Move money and get documents instantly
Send wires, deposit checks, and download statements or verification letters whenever you need them.
Full access — move money, manage cards, add accounts.
View & edit connected accounts. Cannot move money.
View-only access to platform data.
Invite your team with the right access
Add your bookkeeper, CFO, or ops team. Switch between entities without logging out.
Per-user logins with per-sub-account permissions coming soon.
Everything connected so you're not stitching data together
Banking
Accounts & deposits
Cards
Spend & control
Transactions
Real-time sync
Accounting
Auto-categorized
Loans
Always fundable
Most founders bounce between their bank, a spreadsheet, a card processor, and an accountant—manually syncing data the whole time. Holdings puts everything in one place. No exports. No manual categorization. No duplicate work.
Transactions flow straight into accounting
Transactions from Holdings banking flow straight into your accounting workspace—no exports, no manual entry.
Faster month-end and tax prep
Bookkeepers work from the same data, so month-end close and tax prep are faster.
Easier to qualify for financing
Clean, up-to-date books make it easier to qualify for financing when you need capital.
What changes when banking isn't separate from everything else
Here's what founders and finance teams actually get
For Founders & Operators
- Always know how much is safe to spend
- Separate tax and payroll so surprises go away
- One login instead of juggling multiple banks
For Finance & Accounting
- Faster month-end close (everything in one system)
- Fewer statement requests and back-and-forth
- Cleaner audit and lender packages
Hear from our customers
"We've been using Holdings to save our LLCs extra cash and earn interest for about a year now. Everything has been great including the customer service."
Paul Budny
Verified on TrustpilotSecurity and trust that keeps you covered
Holdings protects your money with FDIC insurance up to $3M and enterprise-grade security
FDIC Insured
Deposits insured up to $3M through i3 Bank and our network of program banks via deposit sweep.
Bank-Grade Encryption
AES-256 encryption protects your data at rest and in transit
SOC 1 Type II Certified
Independently audited security controls and practices
Granular Permissions
Role-based access control for your entire team
Audit-Ready Exports
Download reports and statements for auditors and lenders
24/7 Monitoring
Real-time fraud detection and account monitoring
$145M+
Customer deposits
99.99%
Platform uptime
< 2 hrs
Avg support response
$3M
FDIC insured
*Banking services provided by i3 Bank, Member FDIC. Holdings is a financial technology company, not a bank. Deposits are eligible for FDIC insurance up to $3,000,000 through our program bank network. †Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is $1.75% as of March 2026, compounded monthly and credited monthly. ^No monthly fees on standard business checking. Some specialty transactions (international wires, returned ACH) may carry pass-through fees.
See how much you'd earn with Holdings
Businesses across all 50 states already earn more on their deposits and pay zero banking fees.
$438
with Holdings
$3
at Chase/Wells
+$36/month extra
That's $435 more per year
APY Comparison
Frequently asked questions
Straight answers about Holdings business banking
What kind of business checking account does Holdings offer?
Holdings offers a zero-fee business checking account with 1.75% APY on all balances. There are no monthly fees, no minimum balance requirements, and no transaction fees for domestic ACH or wire transfers.
Is my money FDIC insured?
Yes. Deposits are eligible for FDIC insurance coverage up to $3,000,000 through our program bank network — significantly more than the standard $250,000 per bank.
Can I open multiple business bank accounts?
Yes. You can open unlimited sub-accounts for payroll, taxes, operating expenses, reserves, and more — all with no additional fees and each earning 1.75% APY.
How do I switch my business banking to Holdings?
You can open your Holdings accounts in minutes with your EIN and basic business documents. There is no need to close your existing accounts right away — you can transition at your own pace.
Does Holdings connect to accounting software?
Holdings includes built-in accounting software at no extra cost. Your banking transactions sync automatically, so there is no manual data entry or CSV imports needed.
Does Holdings support mobile check deposit?
Yes. You can deposit checks directly from your phone using the Holdings mobile app. Funds are typically available within 1–2 business days.
Can I set permissions on individual sub-accounts?
Currently, team members can be invited with Admin or Member roles. Per-user, per-sub-account permissions are on our roadmap and coming soon.
Does Holdings support bill pay?
Yes. You can pay vendors via ACH or wire transfer directly from your Holdings account. Scheduled and recurring payments are supported.
Can I send or receive international wires?
International wire transfers are available. Outgoing international wires carry a $25 fee. Incoming international wires are free.
Add personal banking and see everything in one place
Move money between business and personal instantly. No separate bank, no waiting for transfers.
Learn about personal bankingReady to see everything in one place?
Open an account in minutes. See your cash. Get on with running your organization.
1.75% APY • Zero fees • FDIC insured to $3M
Banking Features & Solutions
Up to $3M FDIC Coverage
Extended FDIC insurance through partner bank network.
1.75% APY High-Yield Checking
Earn 1.75% APY on every dollar. No minimums.
ACH, Wires & Bill Pay
ACH, wires, and bill pay from one dashboard.
Unlimited Sub-Accounts
Organize funds by purpose with unlimited sub-accounts.
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Banking for Freelancers
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