Business banking and accounting for e-commerce
Separate inventory, operations, and tax funds automatically. Auto-categorize marketplace fees and earn 1.75% APY — all with zero account fees.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Why e-commerce sellers choose Holdings
Banking and accounting that understands marketplace economics
Marketplace Fee Tracking
Auto-categorize fees from Shopify, Amazon, Stripe, and other platforms. See your true margins after platform cuts, shipping, and processing fees.
Separate Inventory & Operations
Create sub-accounts for inventory purchases, operating expenses, tax reserves, and marketing spend. Know exactly where every dollar goes.
Real-Time Margin Tracking
Built-in P&L reports show your actual profit margins by category. Stop guessing whether that product line is actually making money.
How it works
Get set up in minutes, not weeks
Open your business account
Sign up with your EIN or SSN. No branch visits, no minimum deposits. Your account is ready in minutes.
Organize funds by purpose
Create sub-accounts for inventory, operations, taxes, and marketing. Set up auto-categorization rules for your platforms.
Connect your sales channels
Route payouts from Shopify, Amazon, Stripe, and other platforms to your Holdings account. Transactions categorize automatically.
Track margins and file taxes
Generate P&L reports by product category, export for tax filing, and always know your true cost of goods sold.
What you get
Banking and accounting in one platform
Zero-fee accounts that earn interest
- FDIC insured up to $3M through program bank network
- Unlimited sub-accounts for inventory, ops, and taxes
- Earn 1.75% APY on every dollar
- Free domestic wires and ACH transfers
- Virtual cards for ad spend with per-card limits
- No monthly fees, no minimum balance
Know your real margins
- Auto-categorize marketplace fees and payouts
- Track COGS and margins by product category
- P&L, Balance Sheet, and Cash Flow reports
- Sales tax tracking across states
- Export to QuickBooks, Xero, or CSV
- Upgrade to a dedicated bookkeeper for $100/mo
Frequently asked questions
Can Holdings auto-categorize Shopify and Amazon payouts?
Yes. Set up categorization rules for your marketplace payouts and Holdings will automatically tag platform fees, shipping costs, and net revenue for every payout.
How do I track sales tax across multiple states?
Holdings accounting lets you categorize tax obligations by state. Your P&L report breaks down tax liability so you or your CPA can file accurately.
Can I create separate accounts for inventory purchases?
Yes. Create unlimited sub-accounts to separate inventory capital from operating expenses, tax reserves, and marketing budgets.
Are there transaction fees?
No. Holdings charges zero monthly fees, zero per-transaction fees, and zero minimum balance requirements. Domestic ACH and wire transfers are free.
Can I issue cards for ad spend?
Yes. Issue virtual cards with per-transaction or monthly limits for Facebook Ads, Google Ads, or any other platform. Each card maps to a specific sub-account.
How does the accounting compare to QuickBooks?
Holdings accounting is built into your banking — no manual imports, no syncing delays. Transactions categorize in real time. For advanced needs, you can also export to QuickBooks or Xero.
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*