You didn't get into ministry to do bookkeeping.
Sunday's offering shouldn't become Monday's spreadsheet. Tithes, building funds, and mission budgets each live in their own sub-account, transactions categorize themselves, and your books stay ready for the elders — without a single late night.*
Free banking + a free verified public profile for 501(c)(3) churches. Fund accounting for $25/mo — less than a tank of gas.
Free for churches · 30-day trial on all plans · No credit card required
Total Balance
$87,245.18
↑ 8.2% from last month
Sub-Accounts
Manage your ministry's money in one place.
Whether you're a bivocational pastor squeezing the books in between sermons and a day job, or the volunteer treasurer everyone counts on — the finances shouldn't keep you up at night.
Giving statements that write themselves
Every gift, every time — automatically generated and sent. No more scrambling at year-end.
See exactly where every dollar went
By fund, by month, by purpose. Board meeting prep goes from 5 hours to 5 minutes.
Financial policies your auditor will accept
Role-based access, automatic categorization, and compliance-ready reports — built in from day one.
How it works
Get set up in minutes, not weeks
Open your church account
Sign up with your church's EIN. No branch visits, no minimum deposits. Your account is ready in minutes.
Account Setup
Create fund sub-accounts
Set up sub-accounts for general fund, building fund, missions, youth ministry, and any designated giving category.
Sub-Accounts
Track tithes and expenses
Every deposit and expense is automatically categorized. See exactly where your church's money is going in real time.
Recent Transactions
Run reports for board meetings
Generate fund-by-fund P&L reports, balance sheets, and giving trends. Export for audits or share with your board.
Profit & Loss
What you get
Tools, accounting, and banking in one platform
Zero-fee accounts that earn interest
- FDIC insured up to $3M through program bank network
- Unlimited sub-accounts for every fund and ministry
- Earn 1.75 APY on every dollar
- Free domestic wires and ACH transfers
- Debit cards for staff with spend controls
- No minimum balance, no monthly fees
Books that do themselves
- Auto-categorize tithes, expenses, and designated gifts
- Fund-by-fund P&L and Balance Sheet reports
- Track restricted vs unrestricted funds separately
- Connect external accounts for a complete picture
- Export to QuickBooks, Xero, or CSV for audits
- Smart rules and auto-categorization that learn as you go
Get the Church Finance Guide
How to set up fund accounting, manage tithes and offerings, and track restricted vs unrestricted gifts — all in one account.
We'll send the church finance guide and nothing else. No spam, unsubscribe anytime.
Trusted by churches everywhere
200+
Churches on Holdings
$0
Banking fees, forever
$3M
FDIC insured
“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: responsive, friendly, and genuinely invested in making sure everything went right.”
Spencer Gunnell
Verified Trustpilot Review
Read how churches are rethinking financial oversight → Issue No. 2
Frequently asked questions
Is Holdings designed for churches specifically?+
I'm a bivocational pastor — I don't have time for bookkeeping. How much work is this?+
Can we track designated gifts and building funds?+
How do we give multiple staff members access?+
Does this replace our church management software?+
Can our CPA access the books for the annual audit?+
Are there really no fees?+
Explore Holdings for Churches
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.
Up to $3M FDIC Coverage
Extended FDIC insurance through partner bank network.
Bookkeeping
Auto-categorization and reconciliation keep your books current.
Banking for Nonprofits
Banking + accounting designed for nonprofit orgs.
Nonprofit Bank Accounts
Complete guide to nonprofit banking.
Best Nonprofit Bank Accounts
Top bank accounts for small nonprofits.
How to Read a P&L
Understand your profit and loss statement.
Get back to ministry.
Open your account in minutes. No branch visits, no paperwork, no fees — and no more Monday-morning bookkeeping.
1.75% APY · Zero fees · FDIC insured to $3M
Trusted by mission-driven organizations
Verified nonprofits using Holdings giving accounts to track every donation by fund.
- SuperFrens Archaeology MIA recovery
- We The Gente Economic mobility
- Uncharted Academy Nonprofit microschool
- Needs Beyond Medicine Cancer patient support
- I Have a Dream — Food For Haiti Food, education & water
- Helping Hands and Paws People & pets together
- Pure Athletics Academy Youth baseball & softball
- Atomic Athletics Youth soccer
- Young Theatre Artists Collective Theatre education
- The Blind Arts Project Arts access
- ANCHORED Medical Missions Medical missions
- Science and Cultural Exchange Cross-border science
- Bartering World Community resilience
- Friends of SNAP Spay/neuter care
Meet these organizations in our nonprofit spotlight series or browse the nonprofit directory.
Related Resources
Nonprofit Accounting & Banking
Free tools and accounting designed for nonprofit organizations.
Church Banking Guide — Full Comparison
Free Church Budget Template
Unlimited Sub-Accounts for Fund Tracking
Organize funds by purpose with unlimited sub-accounts.
Up to $3M FDIC Coverage
Extended FDIC insurance through partner bank network.
Bookkeeping That Runs Itself
Professional bookkeepers manage your books monthly.
Church Accounting — Complete Guide
Best Banks for Churches — Comparison
Is your bank built for churches?
The Church Finance Guide — fund accounting, tithes and offerings, restricted gifts, and treasurer best practices.
Free PDF — no spam, unsubscribe anytime.