All-in-One Business Banking & Accounting: 2% APY, No Fees, 3 Months Free

Welcome to a new era of business banking and financial management—one where your hustle is rewarded, your cash flow is supercharged, and your tools are all in one place. At Holdings, we’re not just another fintech. We’re your dedicated financial sidekick, built for business owners who want to keep more of what they earn, access smarter funding, and finally say goodbye to the headaches of traditional banking.

We’re excited to announce our partnership with Startup Grind, bringing you an exclusive offer: three months free on Holdings’ all-in-one platform. No more chasing fees, no more hidden costs—just a seamless, integrated experience designed for small business specialists, entrepreneurs, and anyone ready to take control of their financial future.

Why Holdings? Because Your Business Deserves Better

Let’s face it: most banks and financial institutions are built to profit off your hard work. They hit you with fees, offer minuscule interest rates, and leave you juggling disconnected tools for accounting, payments, and expense management. Holdings flips the script.

• Zero account or domestic transaction fees—ever.

• 2% annual percentage yield (APY) on all eligible balances, compounded and credited monthly.

• Integrated accounting and bookkeeping starting at just $20/month, with expert bookkeeping from $100/month.

• No minimum daily balance required to earn interest.

• Up to $3 million in FDIC insurance for your peace of mind.

• Mobile banking, remote deposit, and instant virtual cards for true flexibility.

• Proactive, tailored loan offers based on your real business performance.

• Three months free for Startup Grind members—no strings attached.

The Holdings Difference: More Than Just a Business Bank Account

We know what it’s like to run a business. Every dollar, every data point, every financial transaction matters. That’s why Holdings brings together everything you need—banking, accounting software, payroll, and more—into one seamless dashboard.

All-in-One Financial Management Tools

• Bank Account: Open a business checking account in minutes, with no hidden fees or surprise charges.

• Accounting Software: Ditch the spreadsheets. Our integrated accounting solution automates your general ledger, income statement, balance sheet, and accounts payable.

• Expense Management: Track every expense, reimbursement, and purchase order with ease. Snap a photo of a receipt, and our optical character recognition does the rest.

• Payroll & HR: Pay your team on time, manage employee benefits, and stay compliant with federal and state regulations.

• Investment Management: Grow your cash with a competitive 2% yield, and keep your money liquid for when you need it.

• Payments: Send and receive payments via ACH network, wire transfer, Zelle, or even remote deposit. Accept credit card and debit card payments with our merchant services.

• Mobile App: Manage your finances on the go with our user-friendly mobile banking app.

Seamless Onboarding and Unmatched Usability

Getting started with Holdings is easy. We designed our onboarding process to be as smooth as possible—no piles of paperwork, no waiting weeks for approval. All you need is your trade name, employer identification number, and a few minutes to set up your account.

• No minimum daily balance to open or maintain your account.

• Instant virtual and physical debit cards for your team.

• Contactless payment options for modern business needs.

• Real-time dashboard for full visibility into your cash flow, revenue, and expenses.

• Automated alerts to help you manage risk, avoid overdraft, and stay on top of your financial statements.

Built for Growth: From Sole Proprietorships to Scalable Enterprises

Whether you’re a sole proprietorship just starting out or a growing company with complex needs, Holdings scales with you. Our platform is designed for businesses of all sizes, from small business checking to enterprise resource planning (ERP) integrations.

• ERP Software & Integrations: Connect with tools like Xero, Brex, SAP Concur, and more.

• API Access: Build custom workflows and connect your favorite finance management tools.

• Business Intelligence: Use our analytics dashboard to evaluate your business process, monitor KPIs, and make data-driven decisions.

• Supply Chain & Procurement: Manage inventory, purchase orders, and vendor payments all in one place.

Security, Compliance, and Peace of Mind

Your money and data are safe with us. Holdings leverages industry-leading security protocols, regulatory compliance standards, and robust fraud detection tools.

• Deposits insured up to $3 million through a combination of i3 Bank, Member FDIC, and additional program banks.

• Regulatory compliance with the Federal Deposit Insurance Corporation (FDIC) and National Credit Union Administration (NCUA).

• Advanced fraud monitoring and real-time alerts.

• Multi-factor authentication, password security, and encryption for every account.

• Audit-ready financial statements for tax season, lending, or investor reporting.

Real Value, Real Savings

Let’s talk numbers. Traditional business banking often comes with hidden costs—monthly fees, transaction fees, wire fees, and more. With Holdings, you get:

• Zero account or domestic transaction fees.

• No monthly maintenance fee.

• No minimum daily balance required.

• 2% APY on every eligible dollar in your deposit account.

• Three months free for Startup Grind members.

Compare that to the average business checking account, where you might pay $15–$30 a month just to keep your account open, plus additional fees for every wire transfer, overdraft, or out-of-network ATM withdrawal. With Holdings, your money works for you, not the other way around.

Your All-in-One Financial Toolkit

We know you’re busy. That’s why Holdings brings together everything you need to manage your business finances, all in one place:

• Checking Account & Savings Account: Move money between accounts instantly, set up recurring payments, and earn interest on every dollar.

• Expense Management Software: Automate expense tracking, categorize transactions, and streamline reimbursements.

• Payroll & Human Resource Management: Handle payroll, employee benefits, and HR tasks with ease.

• Investment Management: Put your idle cash to work with a competitive interest rate and no complicated hoops.

• Mobile Banking & Remote Deposit: Deposit checks, transfer funds, and pay bills from anywhere.

• Merchant Services: Accept payments online and in-person, manage your merchant account, and access business intelligence tools.

• Credit & Lending: Access business loans, lines of credit, and tailored funding offers based on your real-time financial data.

• Integrated Financial Reporting: Generate income statements, balance sheets, and cash flow reports with a click.

Designed for Every Business Model

From startups and freelancers to established enterprises, Holdings adapts to your unique needs:

• Sole Proprietorships: Simple setup, easy management, and no hidden fees.

• LLCs & Corporations: Scalable tools for payroll, expense management, and regulatory compliance.

• Nonprofits: Track donations, grants, and program expenses with dedicated reporting.

• Professional Services: Manage client billing, project budgets, and cash management with ease.

• Retail & E-commerce: Accept contactless payments, manage inventory, and optimize your supply chain.

Transparent Pricing, No Surprises

Holdings believes in radical transparency. Our pricing is simple and straightforward:

• Banking: Zero account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.

• Accounting: Integrated accounting at $20/month.

• Bookkeeping: Full-service bookkeeping from $100/month.

• No minimum daily balance to earn interest or keep your account open.

• Three months free for Startup Grind members—no credit card required to start.

The Startup Grind Advantage: Three Months Free

This exclusive offer is for Startup Grind members only. Here’s how to claim your three months free:

• Sign Up: Visit getholdings.com/startupgrind and open your Holdings account.

• Onboard: Complete your onboarding with your business information, trade name, and employer identification number.

• Start Using: Enjoy three months of zero fees on our platform, including integrated accounting and bookkeeping.

• Grow Your Business: Use our finance management tools to optimize cash flow, manage expenses, and access tailored funding offers.

No hoops, no hidden fees, just a powerful platform designed to help you grow.

Modern Features for Modern Businesses

Holdings is packed with features that make your financial life easier:

• ATM Card & Debit Card: Withdraw cash fee-free at thousands of MoneyPass and Allpoint ATMs nationwide.

• Contactless Payment: Tap to pay with your Holdings Mastercard debit card or mobile wallet.

• Wire Transfers: Send domestic and international wires with no hidden fees.

• ACH Network: Set up recurring payments, payroll, and vendor payments with ease.

• Mobile Friendly: Manage your finances, approve payments, and monitor your dashboard from anywhere.

• Integrated Accounting Software: Sync with Xero, Brex, SAP Business, and more.

• Expense Management: Automate reimbursements, track receipts, and manage your budget in real time.

• Real-Time Alerts: Stay on top of every financial transaction, from deposits to payments to overdraft protection.

Security and Compliance You Can Trust

Your business data and money are protected by the highest standards in the industry:

• FDIC Insurance: Deposits are insured up to $3 million through i3 Bank, Member FDIC, and additional program banks.

• Regulatory Compliance: We follow all federal and state regulations, including the Federal Reserve, FDIC, and National Credit Union Administration.

• Fraud Detection: Advanced tools monitor for suspicious activity, keeping your assets safe.

• Audit-Ready Reports: Generate financial statements, balance sheets, and income statements for audits, tax preparation, or investor meetings.

• Privacy & Security: Multi-factor authentication, encrypted databases, and secure password protocols.

Smarter Funding, Tailored for You

Accessing capital shouldn’t be a hassle. Holdings makes it easy to get the funding you need, when you need it:

• Business Loans: Apply for a business loan or line of credit directly from your dashboard.

• Tailored Offers: Get proactive funding offers based on your real-time financial data and credit score.

• No Hidden Fees: Transparent terms, no surprise charges, and fast approvals.

• Flexible Repayment: Choose the option that fits your cash flow and budget.

Integrated Tools for Every Financial Need

Holdings is more than a checking account—it’s a complete financial management solution:

• General Ledger: Keep your books organized and audit-ready.

• Accounts Payable & Receivable: Automate payments and collections.

• Financial Accounting: Generate reports, track assets, and manage liabilities.

• ERP Solution: Integrate with your existing ERP software for seamless workflow.

• Management Software: Use our tools to manage every aspect of your business finances, from payroll to procurement.

• Financial Analysis: Use built-in analytics to evaluate your business performance and identify opportunities for growth.

Designed for Accessibility and Usability

We believe financial tools should be accessible to everyone, regardless of business size or technical expertise:

• User-Friendly Dashboard: Get a complete view of your finances in one place.

• Mobile Access: Manage your business on the go with our mobile app.

• Customer Service: Our support team replies in minutes, not days.

• Training & Onboarding: Step-by-step guides and resources to help you get started.

• Accessibility Features: Designed for usability, with options for screen readers and keyboard navigation.

Real Results for Real Businesses

Here’s how Holdings helps you save money, boost productivity, and grow your wealth:

• Save on Fees: Keep more of your revenue with zero account or domestic transaction fees.

• Earn More: 2% APY on every eligible dollar—no minimums, no hoops.

• Automate Everything: From payroll to expense management, Holdings handles the busywork so you can focus on what matters.

• Gain Visibility: Real-time dashboards and financial statements give you the information you need to make smart decisions.

• Stay Compliant: Built-in tools for regulatory compliance, audit readiness, and tax preparation.

The Holdings Promise: We Reward Your Hustle

At Holdings, we believe your business deserves more than just a place to park your money. You deserve a partner who helps you grow, save, and succeed. That’s why we offer:

• Zero fees, always.

• 2% yield on your balance.

• Integrated accounting and bookkeeping.

• Three months free for Startup Grind members.

• Unmatched security and compliance.

• A platform that scales with your business.

How to Get Started

Ready to experience the Holdings difference? Here’s what you need to do:

• Visit getholdings.com/startupgrind to claim your three months free.

• Open your business account—it takes just minutes.

• Explore the dashboard and connect your accounting, payroll, and expense management tools.

• Start earning 2% APY on your balance, with no minimum daily balance required.

• Grow your business with tailored funding, integrated financial management, and expert support.

Frequently Asked Questions

Q: Is Holdings a bank? A: Holdings is a financial technology company, not a bank. Banking services are provided by i3 Bank, Member FDIC.

Q: What’s the yield on my balance? A: You’ll earn a 2% APY on all eligible balances, with interest compounded and credited monthly.

Q: Are there any fees? A: No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.

Q: How is my money protected? A: Deposits are insured up to $3 million through a combination of i3 Bank, Member FDIC, and additional program banks.

Q: What accounting tools are included? A: Integrated accounting starts at $20/month, with full-service bookkeeping from $100/month. You get automated financial statements, expense management, payroll, and more.

Q: How do I access the three months free offer? A: Sign up through getholdings.com/startupgrind to claim your exclusive Startup Grind offer.

Join the Movement: Banking That Pays You Back

Stop letting traditional banks nickel-and-dime your business. With Holdings, you get a modern, integrated platform that rewards your hustle, boosts your cash flow, and puts you in control.

• No fees, ever.

• 2% yield on every eligible dollar.

• Three months free for Startup Grind members.

• All-in-one financial management, tailored for your business.

Open your Holdings account today and turn your business banking into a growth engine. Because your business deserves better. That’s the Holdings difference.