You didn't get into ministry to do bookkeeping.
Sunday's offering shouldn't become Monday's spreadsheet. Track tithes, the building fund, and mission budgets each as their own fund inside the books, in nonprofit language, and walk into the elder meeting ready — without a single late night.*
Free invoicing + a free verified public profile for 501(c)(3) churches. Accounting software for $25/mo — less than a tank of gas.
Free invoicing for churches · Connected banking via i3 Bank, FDIC to $3M · Full accounting from $25/mo
Total Balance
$87,245.18
↑ 8.2% from last month
By Fund
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.
A fund for every purpose
Tithes, building fund, missions, youth ministry — each tracked as its own fund inside the books, so you always know what's where.
Books that speak your language
Real double-entry accounting with nonprofit statements, auto-categorized and current. Elder-meeting prep goes from hours to minutes.
Export-ready for your auditor
Statement of Activities, Statement of Financial Position, and clean exports to QuickBooks, Xero, or CSV — ready when your CPA is.
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
Set up funds in the books
Create fund tracking inside the books for general fund, building fund, missions, youth ministry, and any designated giving category — each with its own balance on your Statement of Activities.
By Fund
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 elder meetings
Pull your Statement of Activities and Statement of Financial Position in nonprofit format. Export to QuickBooks, Xero, or CSV for audits or share with your board.
Profit & Loss
What you get
Agentic invoicing (the wedge), church accounting, and connected business banking — one platform, one login
Free invoicing for events, programs, and giving
- Unlimited invoices, quotes, donation receipts, and payment links — no monthly fee
- Draft and send from Claude, ChatGPT, or Cursor via MCP
- Card + ACH payment links on every invoice (Stripe, ~3% + $0.30)
- Auto-reconciled to the right fund when payment lands
- Branded donation pages with QR codes for bulletins and events
- Works on top of whichever bank your church already uses
Books that keep themselves current
- Real double-entry accounting — correct, immutable, audit-grade
- Statement of Activities, Statement of Financial Position, and Net Assets
- Auto-categorization that keeps your books up to date
- Connect external accounts for a complete picture
- Export to QuickBooks, Xero, or CSV for audits
- Track tithes, the building fund, and ministries as separate funds in the books
A church bank account that lives in your books
- Free church checking — no monthly fee
- FDIC insured up to $3M via i3 Bank + program-bank network
- 1.75% APY on tithes, reserves, and the building fund
- Free domestic ACH and wires for missions and vendors
- Deposits auto-reconcile to the right fund the moment they clear
- Or connect your existing bank via Plaid — either way, everything writes to the same books
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
Invoicing, no monthly fee
$25/mo
Full church accounting
“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 organize designated gifts and building funds?+
How do we give multiple staff members access?+
Does this replace our church management software?+
Can our CPA work with the books for the annual audit?+
Are there really no fees?+
Explore Holdings for Churches
Agentic Invoicing
Send and chase invoices from Claude, ChatGPT, or the web. Free unlimited.
Fund Tracking in Books
Tithes, building fund, and ministries each tracked as their own fund inside your books.
Agentic Invoicing
Draft and chase event billing, program invoices, and receipts from Claude or ChatGPT.
Bookkeeping
Auto-categorization and reconciliation keep your books current.
For Nonprofits
Agentic invoicing + fund accounting designed for nonprofit orgs.
Complete Nonprofit Guide
How Holdings works for mission-driven orgs.
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.
Free unlimited invoicing · Accounting from $25/mo · FDIC insured up 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.
Related Resources
Giving — Online Donation Pages for Churches
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
Church Financing & Building Loans
Free Grant Finder for Churches
Credit Cards for Churches
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.