Banking and accounting software, included.
Pay only for bookkeeping if you want it.
Free banking and accounting with no monthly fees — add a dedicated bookkeeper from $100/mo when you're ready.
Everything you need to run your organization—no monthly fee
Banking
- Unlimited business checking accounts
- No monthly fees or minimums^
- 1.75% APY on all balances†
- Domestic ACH and wire transfers
- FDIC insured up to $3M*
Cards
- Physical and virtual debit cards
- Per-card spend controls and limits
- Real-time transaction notifications
- 55,000+ fee-free ATMs^
- Lock/unlock instantly
Accounting Software
- Transaction workspace for all accounts
- Bulk categorization tools
- P&L, balance sheet, cash flow reports
- Cash and accrual basis support
- Connect external bank accounts
Add a dedicated bookkeeper when you're ready
Pricing is based on your average monthly revenue
Catch-up bookkeeping for historical months available for an additional one-time fee.
No contracts. Cancel bookkeeping anytime — your free banking and accounting stay active.
What's included with bookkeeping
Dedicated bookkeeper
A named professional who learns your organization—not a rotating team.
Custom setup
Chart of accounts structured to match how you run your organization.
Automated categorization
Transactions organized automatically with human oversight.
Monthly close
P&L and balance sheet delivered within 10 days of month-end.
Tax-ready books
Year-end financials ready for your CPA.
Cash-flow visibility
See what's coming in and out for the next 4–8 weeks.
Why Holdings beats the alternatives
DIY Bookkeeping
$0
+ 5-10 hrs/month
N/A
Part-time Bookkeeper
$500–1,000
+ separate banking
Usually required
Holdings
$100–600
Banking + Books included
No contract
Most outsourced bookkeeping starts at $300–$600/month and still doesn't include your banking. Holdings combines both so you get one team, one bill, one back office.
Banking and accounting software are free whether you add bookkeeping or not.
Calculate your ROI
See exactly how much you'll save with Holdings banking and accounting
Who is Holdings for?
Built for founders and small teams who want one place for banking, accounting, and books
Freelancers & Content Creators
Keep income organized, track business expenses, and stay ready for quarterly taxes. One place for payments, spending, and books.
E-Commerce Sellers
Manage marketplace fees, inventory costs, and payment processor accounts. Clean books make it easier to get financing when you're ready to grow.
Contractors & Consultants
Separate business and personal finances, track project income and expenses, and hand off clean books to your accountant at tax time.
Small Teams & Startups
Issue cards with controls, organize cash by purpose (operating, payroll, tax reserves), and keep books current for investors or lenders.
Frequently asked questions
Straight answers about Holdings pricing
How much does Holdings cost?
Banking and accounting are free with no monthly account fees, and bookkeeping starts at $100 per month when you choose to add it.
What’s included in the free plan?
The free plan includes business checking, debit cards, unlimited sub‑accounts, and built‑in accounting.
When do I pay for bookkeeping?
You only pay for bookkeeping if you opt in to having a dedicated bookkeeper close your books every month.
Are there any hidden fees?
There are no hidden monthly fees. Banking and accounting are free. Some transactions carry pass-through fees: international wires ($25), returned ACH ($5), and expedited transfers ($10). All fees are disclosed in your account agreement before you sign up.
Ready to get started?
Start with free banking + accounting
Open your account in minutes. No credit card required. Add bookkeeping whenever you're ready.
Get StartedTalk to us about bookkeeping
Have questions about pricing, setup, or what's included? Our team can walk you through it.
Schedule a callReady to start?
Set up your business banking in under a week.
Most businesses are fully set up in 3–5 business days. No contracts, no minimums, no surprises.
"I had a fantastic onboarding experience with Holdings. The process was smooth, and their team was incredibly helpful every step of the way. Customer service was top notch."
— Spencer Gunnell, Trustpilot Review
Holdings 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.