Manage your holdings.Not for profit. For purpose.

Managing a nonprofit's finances is fundamentally different from running a business. You're accountable to donors, grantmakers, and the IRS — not just a bottom line. Every dollar must be tracked by purpose: restricted grants go to restricted programs, designated gifts stay designated, and unrestricted funds cover operations. Traditional bank accounts weren't built for this. Most force nonprofits into spreadsheet workarounds or expensive accounting software just to answer the basic question: where did the money go?

Holdings was built to solve this. Our unlimited sub-accounts let you create a dedicated bucket for every grant, campaign, or program — no spreadsheets, no reconciliation headaches. When a foundation sends a $250,000 grant for youth education, you can give that money its own sub-account from day one, so your treasurer can see exactly how much remains. Deeper fund accounting — restriction tracking inside your books and by-fund balances on your statements — is on our roadmap.

Zero Fees, More Mission

Most national banks charge nonprofits $15–30/month in maintenance fees, plus per-transaction charges after a low threshold. On a $500,000 annual budget, that's $180–360 in fees — money that should fund programs, not banking overhead. Holdings charges $0 monthly banking fees, with no minimum balance, no transaction limits, and no hidden costs. Your nonprofit keeps every dollar for its mission.

Earn Interest on Reserves

Nonprofits often hold significant cash reserves — operating funds, endowments, capital campaign savings, and grant balances awaiting deployment. At a traditional bank earning 0.01% APY, a $500,000 balance generates roughly $50/year. With Holdings' 1.75% APY on all balances, that same $500,000 earns over $8,750 annually — real revenue that strengthens your financial position without any additional fundraising effort.

Books Your CPA Will Recognize

Annual audits and Form 990 prep consume weeks of staff time at most nonprofits. Holdings' accounting software keeps real double-entry books — your Statement of Activities, Statement of Financial Position, and Net Assets, with transactions auto-categorized and current — then exports to QuickBooks, Xero, or CSV so your CPA has everything they need at year-end. No more rebuilding the books before every audit.

Team & Banking Access Controls

Nonprofit governance requires transparency without oversharing. Holdings lets you invite teammates as admins with full data and tool access, while a per-person banking access toggle controls who can see the money. The owner keeps billing and team management. Finer board and program-level roles are on our roadmap.

FDIC Protection Up to $3 Million

Large grant disbursements can push nonprofit balances well past the standard $250,000 FDIC limit. Holdings provides up to $3 million in FDIC insurance through our program bank network — protecting your organization's funds without requiring you to open accounts at multiple banks.

Whether you're a small 501(c)(3) just getting started or a large charitable organization managing millions in grants, Holdings gives you the banking infrastructure your mission deserves. Read our complete nonprofit banking guide or see how we compare to Chase, Bank of America, and other nonprofit banking options.