Transparency
No lock-in. No surprise fees.
Here’s exactly what you pay.
Most business accounts hide their fees and make you fight to leave. We do the opposite: one short price list, your data exportable anytime, and no contract.
One plan. No monthly fee.
Banking, unlimited invoicing, and full double-entry accounting — all included. Holdings makes money on card processing (3% + $0.30, Stripe standard) when your customers pay you. That’s the whole story.
Everything included
Banking + invoicing + accounting
- ✓ Business checking — no monthly fee, no minimum balance
- ✓ 1.75% APY on every dollar
- ✓ FDIC insured up to $3M (via i3 Bank, Member FDIC)
- ✓ Visa debit card
- ✓ Sub-accounts to organize cash
- ✓ Unlimited invoicing + payment links & QR codes
- ✓ Full double-entry accounting
- ✓ P&L, balance sheet, general ledger
- ✓ Automatic transaction categorization
- ✓ Bank reconciliation via Plaid (any bank)
- ✓ Recurring invoices + reminders
- ✓ Custom invoice branding
- ✓ Fund accounting for verified 501(c)(3) nonprofits
Bank, books, and invoicing write to each other on the same schema. A paid invoice is already in the books — the payment and the journal entry are the same event, so there’s nothing to reconcile and no month-end close.
Accepting card payments? That’s 3% + $0.30 per transaction (Stripe’s standard rate — Holdings doesn’t mark it up). No “Pro” tier, no seat pricing, no hidden add-ons.
Your data is yours
You should never feel trapped by your accounting tool. Export your books to QuickBooks, Xero, or CSV anytime — whenever you want, for any reason.
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Export anytime
QuickBooks, Xero, or CSV. No waiting period, no export fee.
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No contract
Nothing to sign. Banking is free; software is month-to-month.
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Cancel anytime
Stop the $25/mo software whenever you like. Your data goes with you.
We’re a fintech, not a bank
Holdings is a financial technology company — not a bank. Banking services are provided by i3 Bank, Member FDIC. We say this plainly because the distinction matters: it’s the bank, not us, that holds your deposits.
Your money is FDIC insured up to $3,000,000 through i3 Bank and a network of program banks (each account is separately insured up to $250,000 per account holder, per bank). The Holdings Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc.
Common questions
Can I export my data? +
Yes. Your data is yours. You can export to QuickBooks, Xero, or CSV at any time — no waiting period and no fees to take your records with you.
Is there a contract? +
No. There is no contract and no lock-in. Banking is free, and the $25/mo accounting software is month-to-month — you can cancel anytime.
What does it really cost? +
Banking, 1.75% APY, your debit card, sub-accounts, and unlimited invoicing are free ($0). Full accounting software is $25/mo (or $240/yr) with a 30-day free trial. Card payments are 3% + $0.30 per transaction. That is the whole price list — no surprise fees.
Is Holdings a bank? +
No. Holdings is a financial technology company, not a bank. Banking services are provided by i3 Bank, Member FDIC. Your deposits are FDIC insured up to $3M through i3 Bank and a network of program banks.