Business banking and accounting for agencies and consultants
Manage client funds, track project profitability, and keep your books clean — with zero-fee banking that earns 1.75% APY.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Why agencies and consultants choose Holdings
Banking that keeps client money organized and your books profitable
Client Fund Management
Create a sub-account for each client or retainer. Never co-mingle client funds with operating money. Every dollar is traceable and accountable.
Project Profitability
Tag expenses and revenue by project or client. See real margins on every engagement — not just top-line revenue.
Team Access & Controls
Invite project managers and finance staff with role-based permissions. Issue cards with per-project spend limits to keep budgets on track.
How it works
Get set up in minutes, not weeks
Open your agency accounts
Sign up with your EIN and business documents. Your accounts are ready in minutes — no branch visits required.
Create client and project accounts
Set up sub-accounts for each client retainer, project budget, tax reserves, and operating expenses.
Issue team cards with limits
Give team members virtual or physical cards tied to specific projects. Set per-transaction and monthly limits.
Track margins and invoice with confidence
Real-time P&L by client and project. Export reports for invoicing, tax filing, or client reconciliation.
What you get
Banking and accounting in one platform
Keep client funds separate
- FDIC insured up to $3M through program bank network
- Unlimited sub-accounts for clients and projects
- Earn 1.75% APY on every dollar — including retainers
- Free domestic wires and ACH transfers
- Physical and virtual cards with per-project limits
- Multi-user access with role-based permissions
Know your real margins per client
- Track revenue and expenses by client and project
- Auto-categorize transactions by vendor or category
- P&L, Balance Sheet, and Cash Flow reports
- Client retainer reconciliation tools
- Export to QuickBooks, Xero, or CSV
- Upgrade to a dedicated bookkeeper for $100/mo
Frequently asked questions
Can I keep client retainers separate from operating funds?
Yes. Create a dedicated sub-account for each client retainer. Funds stay separated, earn interest, and every transaction is fully traceable for invoicing and reconciliation.
How do I track project profitability?
Tag expenses and revenue by project or client in Holdings accounting. Your P&L report shows real margins on every engagement — not just top-line numbers.
Can team members have their own cards?
Yes. Issue physical or virtual cards to any team member. Set per-transaction limits, monthly caps, and tie each card to a specific project sub-account.
How does Holdings compare to separate banking + QuickBooks?
Holdings combines both in one platform. Transactions categorize in real time — no manual imports, no syncing delays. You can still export to QuickBooks or Xero if needed.
Can my bookkeeper access the accounts?
Yes. Invite your bookkeeper or CPA with the Bookkeeper role — they can access accounting tools and reports without seeing or initiating transactions.
Is there a limit on sub-accounts?
No. Create as many sub-accounts as you need — per client, per project, per department. There are no limits and no additional fees.
Ready to get started?
Open your account in minutes. No branch visits, no paperwork, no fees.
1.75% APY† • Zero fees^ • FDIC insured to $3M*