Church banking and accounting with zero fees
Track tithes, offerings, and designated funds in separate accounts. Earn 1.75% APY on every dollar and keep your books audit-ready.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Why churches choose Holdings
Banking and accounting built around how churches actually manage money
Track Tithes & Offerings
Separate general fund, tithes, offerings, and designated gifts in their own sub-accounts. Every dollar is traceable back to its intended purpose.
Fund Accounting Built In
Track restricted and unrestricted funds, building campaigns, mission trips, and benevolence funds — all with proper fund accounting, not spreadsheets.
Multi-User Access
Give pastors, treasurers, elders, and bookkeepers the access they need. Role-based permissions keep finances transparent and accountable.
How it works
Get set up in minutes, not weeks
Open your church accounts
Sign up with your EIN and organizational documents. Most churches are approved in minutes — no branch visits needed.
Set up fund accounts
Create sub-accounts for general fund, building fund, missions, benevolence, youth ministry, and any other designated purpose.
Route donations automatically
When donations come in, they flow to the right fund. Set up categorization rules so your books stay accurate without manual entry.
Generate reports for your board
Pull fund balances, income statements, and expense reports for elder meetings, annual reports, and audits.
What you get
Banking and accounting in one platform
Every dollar protected and organized
- FDIC insured up to $3M through program bank network
- Unlimited sub-accounts for funds, programs, and campaigns
- Earn 1.75% APY on every dollar — including reserves
- Free domestic wires and ACH transfers
- Physical and virtual debit cards with spend controls
- Multi-user access for staff, pastors, and treasurers
Proper fund tracking, not spreadsheets
- Fund accounting with restricted and unrestricted tracking
- Auto-categorize donations by fund or campaign
- Board-ready financial statements on demand
- Budget vs actual reporting by ministry or program
- Export for your CPA or annual audit
- Upgrade to a dedicated bookkeeper for $100/mo
Frequently asked questions
Is Holdings designed for churches specifically?
Holdings serves all organizations, but our fund accounting, unlimited sub-accounts, and zero-fee structure are ideal for churches that need to track tithes, offerings, and designated funds separately.
Can we track designated gifts and building funds?
Yes. Create a sub-account for each designated purpose — building fund, missions, benevolence, youth ministry, or any other campaign. Every donation is traceable.
How do we give multiple staff members access?
Invite staff as Admin, Member, or Bookkeeper. Pastors and treasurers can view balances and approve transactions. Bookkeepers access accounting tools without seeing sensitive details.
Does this replace our church management software?
Holdings handles banking and accounting. For member management, donation receipts, and event planning, you would continue using your ChMS alongside Holdings.
Can our CPA access the books for the annual audit?
Yes. Invite your CPA with read-only access, or export fund-level reports, transaction histories, and financial statements in any format they need.
Are there really no fees?
No monthly fees, no minimum balance, and no per-transaction charges. Domestic ACH and wire transfers are free. Every dollar your congregation gives stays in ministry.
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*