Free banking and accounting built for agencies
Manage client retainers, project budgets, and team expenses with sub-accounts, built-in accounting, and zero fees.
1.75% APY† · Zero fees^ · FDIC insured to $3M*
Total Balance
$218,540.00
↑ 15.7% from last month
Sub-Accounts
Why agencies choose Holdings
Banking and accounting designed for how agencies actually operate
Separate Client Retainers
Keep client retainers in dedicated sub-accounts. Never accidentally mix one client's money on another's project.
Track Project Profitability
See real-time profit margins on every client engagement. Auto-categorize expenses by project, client, or team.
Team Cards with Budgets
Issue cards per team member or per project. Set spend limits, auto-categorize purchases, and track every dollar in real time.
How it works
Get set up in minutes, not weeks
Open your agency account
Sign up with your EIN. No branch visits, no minimum deposits. Your account is ready in minutes.
Account Setup
Create client sub-accounts
Set up sub-accounts for each client retainer, project budget, and team expense category. Move money between them instantly.
Sub-Accounts
Track client revenue and expenses
Every invoice payment and expense is auto-categorized. See profitability per client, per project, per team.
Recent Transactions
Generate client-ready reports
Pull P&L by client, project profitability reports, and cash flow forecasts. Export for clients or your accountant.
Profit & Loss
What you get
Banking and accounting in one platform
Zero-fee accounts that earn interest
- FDIC insured up to $3M through program bank network
- Unlimited sub-accounts for clients, projects, and teams
- Earn 1.75 APY on every dollar
- Free domestic wires, ACH, and bill pay
- Physical and virtual team cards with spend controls
- No minimum balance, no monthly fees
Bookkeeping that runs itself
- Auto-categorize expenses by client, project, or vendor
- Per-client P&L and project profitability reports
- Track retainers, ad spend, and team costs separately
- Connect external accounts for a complete picture
- Export to QuickBooks, Xero, or CSV for your CPA
- Upgrade to a dedicated bookkeeper for $100/mo when ready
Get the Agency Financial Playbook
How top agencies manage client retainers, track project profitability, and separate revenue by client — without a CFO.
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Trusted by agencies everywhere
300+
Agencies on Holdings
$0
Monthly fees, forever
4.1★
Trustpilot rating
“Great communication and support. The team is always there for us! Transactions are easy and simple, freeing up valuable time spent with other banks trying to get wires/transfer released.”
E. Lamsus
Verified Trustpilot Review
Read about giving every dollar a job description → Issue No. 2
Frequently asked questions
Can I keep client retainers separate from operating funds?+
How do I track project profitability?+
Can team members have their own cards?+
How does Holdings compare to separate banking + QuickBooks?+
Can my bookkeeper access the accounts?+
Is there a limit on sub-accounts?+
Explore Holdings for Agencies
Free Business Banking
Zero-fee checking with 1.75% APY, FDIC insured to $3M.
Unlimited Sub-Accounts
Organize funds by purpose with unlimited sub-accounts.
Free Accounting Software
Automatic categorization, P&L, and balance sheets.
Holdings vs QuickBooks
Built-in accounting vs add-on software.
Banking for Professional Services
Trust accounting and client fund separation.
Accounting for Firms
Essential accounting for consulting firms.
Multi-Entity Accounting
Guide to managing books across multiple entities.
Business Expense Categories
Complete guide to business expense categories.
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
Related Resources
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Multi-Entity Accounting Guide
Managing multiple entities in one platform.
Holdings vs QuickBooks
Built-in accounting vs add-on accounting software.
Holdings vs FreshBooks
Compare Holdings and FreshBooks for invoicing and accounting.
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