Free banking and accounting built for ecommerce

If you sell online, your bank sees chaos. Shopify deposits a lump sum every few days that bundles hundreds of individual sales minus fees, refunds, and chargebacks. Amazon sends separate payouts for each marketplace. Stripe batches transactions differently than Square. And none of these platforms break out the details in a way your bank statement can make sense of.

The result? Most ecommerce sellers spend hours each month manually categorizing transactions, calculating true margins, and reconciling marketplace payouts against their bank balance. Some give up and hand it to an accountant at $150–300/month. Others just… guess.

Ecommerce banking solves this by treating marketplace payouts as structured data, not random deposits. When Shopify sends $4,200, your bank should know that's $4,850 in gross sales minus $380 in Shopify fees, $180 in refunds, and $90 in shipping label charges — automatically.

What Generic Business Banks Get Wrong

Traditional business checking accounts were designed for brick-and-mortar businesses with straightforward revenue: customer pays, money goes in the account. Ecommerce revenue is fundamentally different:

• Multiple revenue channels — Shopify, Amazon, Etsy, wholesale, and direct sales all deposit on different schedules with different fee structures
• High transaction volume — A seller doing $50K/month might process 2,000+ individual transactions. Per-transaction fees from legacy banks eat margins
• Complex fee structures — Marketplace fees, payment processing fees, shipping labels, ad spend, and returns all need separate tracking
• Multi-state sales tax — Selling in 15 states means tracking and setting aside sales tax obligations for each one
• Inventory capital cycles — You need to keep $20K liquid for your next inventory order while the last order's revenue is still in Amazon's 14-day payout cycle

A bank that auto-categorizes platform payouts, lets you segregate tax reserves and inventory capital into sub-accounts, and generates P&L reports by channel isn't a nice-to-have — it's the difference between knowing your margins and guessing at them.

How Holdings Works for Ecommerce

Holdings auto-imports and categorizes transactions from Shopify, Amazon, Stripe, Square, PayPal, and other platforms. Create unlimited sub-accounts to separate operating funds, inventory capital, sales tax reserves, and ad spend budgets. Built-in accounting generates profit and loss statements without syncing to external software. And it's free — $0 monthly, $0 per transaction, with 1.75% APY on every dollar in the account.