Business banking and accounting for startups — free
Zero-fee checking with 1.75% APY, built-in accounting, and unlimited sub-accounts to organize your burn rate, runway, and operations.
1.75% APY† • Zero fees^ • FDIC insured to $3M*
Why startups choose Holdings
Banking and accounting that scales with your company
Track Burn Rate & Runway
Built-in accounting shows your monthly burn, cash runway, and spending trends in real time — no spreadsheet gymnastics required.
Organize Funds by Department
Create unlimited sub-accounts for payroll, marketing, R&D, and reserves. Every dollar has a purpose and every transaction has a category.
Investor-Ready Financials
Generate P&L statements, balance sheets, and cash flow reports that your board and investors actually want to see — updated in real time.
How it works
Get set up in minutes, not weeks
Open your startup accounts
Sign up with your EIN and incorporation documents. Account is ready in minutes — no branch visits, no minimum deposits.
Set up department sub-accounts
Create sub-accounts for payroll, operations, marketing, taxes, and reserves. Money stays organized from day one.
Add your team
Invite co-founders, finance leads, and bookkeepers with role-based permissions. Issue cards with per-transaction and monthly spend limits.
Track everything automatically
Transactions categorize themselves. Reports generate in seconds. Your books are always current and investor-ready.
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 departments and projects
- Earn 1.75% APY on every dollar
- Free domestic wires and ACH transfers
- Physical and virtual cards with spend controls
- Multi-user access with role-based permissions
Financials your investors actually want
- Real-time burn rate and runway calculations
- Auto-categorize transactions by department or vendor
- P&L, Balance Sheet, and Cash Flow reports on demand
- Connect external accounts for a complete picture
- Export to QuickBooks, Xero, or CSV
- Upgrade to a dedicated bookkeeper for $100/mo
Frequently asked questions
How is Holdings different from Mercury or Brex?
Holdings includes free accounting software with every account — auto-categorization, P&L reports, balance sheets, and cash flow statements. Most competitors charge separately for accounting or don't offer it at all.
Can I track burn rate and runway?
Yes. Holdings accounting calculates your monthly burn and cash runway automatically based on your actual transactions. No spreadsheets needed.
How do team permissions work?
You can invite team members as Admin (full access), Member (view + limited actions), or Bookkeeper (accounting only). Each role sees exactly what they need.
Are there any fees?
No monthly fees, no minimum balance, no per-transaction charges. Domestic ACH and wire transfers are free. You earn 1.75% APY on every dollar.
Can my accountant access the books?
Yes. Invite your CPA or bookkeeper with read-only access, or export reports to QuickBooks, Xero, or CSV. You can also upgrade to Holdings' dedicated bookkeeping service.
How fast can I open an account?
Most startups are approved and funded within minutes. You need your EIN, incorporation documents, and basic identity verification.
Is my money safe?
Deposits are FDIC insured up to $3,000,000 through our program bank network. Holdings maintains SOC 1 Type II certification and uses AES-256 encryption.
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*