Church Banking

Free banking and accounting built for churches

Manage tithes, building funds, and ministry budgets with unlimited sub-accounts, built-in bookkeeping, and zero fees.

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Join 200+ churches managing finances simply

1.75% APY† · Zero fees^ · FDIC insured to $3M*

Holdings Dashboard

Total Balance

$87,245.18

↑ 8.2% from last month

Sub-Accounts

⛪

General Fund

$42,180.18

🏗️

Building Fund

$31,065.00

🌟

Youth Ministry

$14,000.00

Why churches choose Holdings

Financial tools designed for how churches actually operate

📂

Track Every Fund Separately

Create unlimited sub-accounts for tithes, building funds, missions, youth ministry, and more. Every dollar stays where your congregation intended it.

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Audit-Ready Books

Automatic categorization keeps your books current. Generate reports for board meetings, annual audits, and denominational reviews with one click.

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Staff Access Controls

Give pastors, treasurers, and admin staff their own access levels. Everyone sees what they need to — nothing more.

How it works

Get set up in minutes, not weeks

Step 1

Open your church account

Account Setup

Church name + EIN

Authorized officer verification

Initial deposit (optional)

✓ Account approved — ready in 2 minutes

Step 2

Create fund sub-accounts

Set up sub-accounts for general fund, building fund, missions, youth ministry, and any designated giving category.

Sub-Accounts

⛪

General Fund

$42,180.18

🏗️

Building Fund

$31,065.00

🌟

Youth Ministry

$14,000.00

Step 3

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

Sunday Tithes — March 10+$8,240

Tithes & Offerings

Church Mutual — Insurance-$1,200.00

Insurance

Missions International-$2,500.00

Missions

Step 4

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

Revenue$32,960.00

Expenses-$18,740.50

Net Income$14,219.50

Export PDFSend to CPA

What you get

Banking and accounting in one platform

Banking

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

Accounting

Bookkeeping that runs itself

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
Upgrade to a dedicated bookkeeper for $100/mo when ready

Free Download

Get the Church Finance Guide

How to set up fund accounting, manage tithes and offerings, and track restricted vs unrestricted gifts — all in one bank account.

We'll send the church finance guide and nothing else. No spam, unsubscribe anytime.

Trusted by churches everywhere

200+

Churches on Holdings

Monthly 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?+

Holdings works for any organization, but our sub-account system and fund tracking are ideal for churches that need to separate tithes, building funds, missions, and ministry budgets.

Can we track designated gifts and building funds?+

Yes. Create unlimited sub-accounts for any purpose. Designated gifts stay in their designated fund, and you can generate reports showing exactly how each fund was used.

How do we give multiple staff members access?+

Invite staff with role-based permissions. Treasurers can manage funds, pastors can view reports, and admin staff can handle day-to-day transactions.

Does this replace our church management software?+

Holdings replaces your bank and accounting software, not your ChMS. It handles financial management — giving tracking, expense categorization, and reporting — while your ChMS handles membership.

Can our CPA access the books for the annual audit?+

Yes. Invite your CPA with read-only access. They can pull reports, export data, and review every transaction without being able to move money.

Are there really no fees?+

Zero. No monthly fees, no transaction fees, no minimum balance. Your church keeps every dollar for ministry.

Explore Holdings for Churches

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