Startup Banking

Free banking and accounting built for startups

Launch faster with zero-fee banking, built-in accounting, and team card controls — earn 1.75 on every dollar while you build.

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Join 500+ startups banking smarter

1.75% APY† · Zero fees^ · FDIC insured to $3M*

Holdings Dashboard

Total Balance

$142,680.35

↑ 23.4% from last month

Sub-Accounts

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Operating

$98,420.35

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Payroll Reserve

$32,000.00

🚀

Growth Budget

$12,260.00

Why startups choose Holdings

Banking and accounting designed for how startups actually operate

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Launch in Minutes

Open your startup bank account with just an EIN. No minimums, no branch visits, no waiting periods. Start moving money today.

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Track Burn Rate Automatically

Real-time P&L, cash flow forecasts, and runway calculations — all generated automatically from your transactions.

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Team Cards with Controls

Issue physical and virtual cards to your team. Set per-card spend limits, freeze instantly, and auto-categorize every purchase.

How it works

Get set up in minutes, not weeks

Step 1

Open your startup account

Account Setup

Company name + EIN

Founder identity verification

Initial deposit (optional)

✓ Account approved — ready in 2 minutes

Step 2

Organize with sub-accounts

Create sub-accounts for payroll, growth, taxes, and runway. Move money between them instantly with zero fees.

Sub-Accounts

💰

Operating

$98,420.35

👥

Payroll Reserve

$32,000.00

🚀

Growth Budget

$12,260.00

Step 3

Issue team cards

Give each team member their own card with custom spend limits. Every purchase is auto-categorized and synced to your books.

Recent Transactions

AWS — Monthly hosting-$2,340.00

Infrastructure

Google Ads — Q1 campaign-$5,000.00

Marketing

Stripe — March payout+$28,450

Revenue

Step 4

Run investor-ready reports

Generate P&L statements, balance sheets, and cash flow reports instantly. Export to your accountant or share with investors.

Profit & Loss

Revenue$142,300.00

Expenses-$89,420.50

Net Income$52,879.50

Export PDFSend to CPA

What you get

Banking and accounting in one platform

Banking

Zero-fee accounts that earn interest

FDIC insured up to $3M through program bank network
Unlimited sub-accounts for payroll, taxes, and growth
Earn 1.75 APY on every dollar
Free domestic wires, ACH, and bill pay
Physical and virtual team cards with spend controls
No minimum balance, no monthly fees

Accounting

Bookkeeping that runs itself

Auto-categorize every transaction by vendor or type
Real-time P&L, Balance Sheet, and Cash Flow reports
Track burn rate and runway automatically
Connect external bank accounts for a complete picture
Export to QuickBooks, Xero, or CSV for your CPA
Upgrade to a dedicated bookkeeper for $100/mo when ready

Free Download

Get the Startup Banking Setup Guide

How to structure your startup's finances from day one: sub-accounts for burn vs revenue, automated bookkeeping, and FDIC coverage for your runway.

We'll send the startup banking setup guide and nothing else. No spam, unsubscribe anytime.

Trusted by startups everywhere

500+

Startups on Holdings

Monthly fees, forever

4.1★

Trustpilot rating

“We’ve been using Holdings to save our LLCs extra cash and earn interest for about a year now. Everything has been great including the customer service.”

Paul B.

Verified Trustpilot Review

Read how automation is changing bookkeeping → Issue No. 5

Frequently asked questions

How is Holdings different from Mercury or Brex?+

Holdings combines banking and accounting in one platform at no cost. Mercury charges for accounting integrations, and Brex requires venture funding. Holdings works for any startup with zero fees.

Can I track burn rate and runway?+

Yes. Holdings automatically calculates your burn rate from transaction data and projects your runway based on current spending patterns and cash position.

How do team permissions work?+

Invite team members with role-based access. Admins get full access, while employees can only view their own card activity. You control who can move money.

Are there any fees?+

No. Zero monthly fees, zero transaction fees, zero minimum balance requirements. Holdings makes money from interchange and interest margin — not from you.

Can my accountant access the books?+

Yes. Invite your CPA or bookkeeper with read-only access. They can pull reports, export data, and review transactions without being able to move money.

How fast can I open an account?+

Most startup accounts are approved in under 5 minutes. You’ll need your EIN (or SSN for sole props) and founder ID verification.

Is my money safe?+

Deposits are FDIC insured up to $3,000,000 through our program bank network. Holdings uses AES-256 encryption and maintains SOC 1 Type II certification.

Explore Holdings for Startups

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