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Holdings
For Churches

You didn't get into ministry to do bookkeeping.

Sunday's offering shouldn't become Monday's spreadsheet. Give tithes, the building fund, and mission budgets each their own sub-account, turn on accounting software that keeps your books current in nonprofit language, and walk into the elder meeting ready — without a single late night.*

Free banking + a free verified public profile for 501(c)(3) churches. Accounting software for $25/mo — less than a tank of gas.

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Join 200+ churches managing finances simply

Free banking for churches · No minimums · No monthly banking fees

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

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 sub-account for every fund

Tithes, building fund, missions, youth ministry — each in its own bucket with a clear balance, 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

Step 1

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

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 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

Revenue$32,960.00
Expenses-$18,740.50
Net Income$14,219.50
Export PDFSend to CPA

What you get

Tools, accounting, and banking 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

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
  • Organize tithes, the building fund, and ministries with unlimited sub-accounts
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 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.”
SG

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, and our sub-account system is ideal for churches that need to separate tithes, building funds, missions, and ministry budgets into their own buckets.
I'm a bivocational pastor — I don't have time for bookkeeping. How much work is this?+
Very little, by design. With accounting software enabled, transactions categorize themselves as they come in and your books stay current, so most weeks need a few minutes of review, not an evening. You didn't get into ministry to do bookkeeping — so Holdings does most of it for you.
Can we organize designated gifts and building funds?+
Yes. Create unlimited banking sub-accounts for any purpose, so designated gifts and the building fund each stay in their own bucket with a clear balance. Deeper fund accounting — restriction tracking inside your books — is on our roadmap.
How do we give multiple staff members access?+
Invite staff as admins with full data and tool access, and use the per-person banking access toggle to control who can see the money. The owner keeps billing and team management. Finer role-based permissions are on our roadmap.
Does this replace our church management software?+
Holdings replaces your bank and accounting software, not your ChMS. It handles financial management — banking, expense categorization, and reporting — while your ChMS handles membership.
Can our CPA work with the books for the annual audit?+
Yes. Your accounting software keeps real double-entry books with nonprofit statements, and you can export to QuickBooks, Xero, or CSV so your CPA has everything they need.
Are there really no fees?+
Banking is free — no monthly fees, no minimum balance. Accounting software is $25/mo. Your church keeps every dollar of ministry money in the account.

Explore Holdings for Churches

Product

Free Business Banking

Zero-fee checking with 1.75% APY, FDIC insured to $3M.

Feature

Unlimited Sub-Accounts

Organize funds by purpose with unlimited sub-accounts.

Feature

Up to $3M FDIC Coverage

Extended FDIC insurance through partner bank network.

Product

Bookkeeping

Auto-categorization and reconciliation keep your books current.

Solution

Banking for Nonprofits

Banking + accounting designed for nonprofit orgs.

Guide

Nonprofit Bank Accounts

Complete guide to nonprofit banking.

Guide

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Top bank accounts for small nonprofits.

Guide

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.

Open Your AccountTalk to Our Team

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.

Meet these organizations in our nonprofit spotlight series or browse the nonprofit directory.

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Feature

Unlimited Sub-Accounts for Fund Tracking

Organize funds by purpose with unlimited sub-accounts.

Feature

Up to $3M FDIC Coverage

Extended FDIC insurance through partner bank network.

Product

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Professional bookkeepers manage your books monthly.

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Is your bank built for churches?

The Church Finance Guide — fund accounting, tithes and offerings, restricted gifts, and treasurer best practices.

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