What interest rates does Holdings offer?

Holdings offers tiered interest rates: 1.5% APY for balances $50K–$250K, 2% APY for $250K–$1M, and 3% APY for balances over $1M.

Are there monthly fees for Holdings business accounts?

No, Holdings offers fee-free business banking with no monthly fees and unlimited free ACH and wire transactions.

What accounting features are included with Holdings?

Holdings offers integrated accounting with automated reporting tied directly to banking activity, with additional bookkeeping services available based on business revenue.

All-in-One High-Yield Business Banking & Accounting Platform

Q: How does the Sweep Program provide up to $3M in FDIC insurance?

Through i3 Bank's Sweep Program, your funds are distributed across multiple FDIC-insured banks, allowing for FDIC insurance coverage up to $3M. This extends beyond the standard $250,000 FDIC insurance limit per depositor.

Business Finance Simplified

Spend less time on spreadsheets and more time growing your business.

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Banking services and sweep

network provided by Evolve Bank

& Trust and i3 Bank, Members FDIC

SOC Compliant

and reviewed by

3rd party

Clear, upfront banking,
what you see is what you get.

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Clear, upfront banking,
what you see is what you get.

Open Account

Up to 3% APY

Holdings Cash Account

Tiered rates based on your deposits that grow with

your business:

1.5% APY = $50K-$250K

2% APY = $250K-$1M

3% APY = Over $1M

Up to 3% APY

Holdings Cash Account

Tiered rates based on your deposits that grow with

your business:

1.5% APY = $50K-$250K

2% APY = $250K-$1M

3% APY = Over $1M

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No monthly fees

Unlimited transactions

Easy to use digital banking platform

Apply in 10 minutes

No minimum balance required

Apply in 10 mins

No fees

Easy to Use

Unlimited transactions

Images Movement

Get 12x the industry average guaranteed by the Federal Deposit Insurance Corporation through our sweep network of 20+ Banks

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How it works

250 k

Avg Bank

3M

Holdings

Get 12x the industry average guaranteed by the Federal Deposit Insurance Corporation through our sweep network of 20+ Banks

Open Account

How it works

250 k

Avg Bank

3M

Holdings

Get 12x the industry average guaranteed by the Federal Deposit Insurance Corporation through our sweep network of 20+ Banks

Open Account

How it works

250 k

Avg Bank

3M

Holdings

From Our Customers

“Easy to use- product is very straight forward. I use it to earn yield on the security deposits I hold for my rental property business.”
Fabian Friedrich
Rental Property Owner
“We LOVE the feature that sends us an email when the transaction has gone through. It gives me peace of mind to know that it has been done right. We don't get that email as fast with other services we use.”
Diana A.
Co-executive director at Nonprofit
“ Excellent customer service. Holding's puts its customers first and is willing to take the time to help.”
Keith W.
Business Owner
“The interest from my Holdings account pays for my office lease.”
“Easy to use- product is very straight forward. I use it to earn yield on the security deposits I hold for my rental property business.”
Fabian Friedrich
Rental Property Owner
“We LOVE the feature that sends us an email when the transaction has gone through. It gives me peace of mind to know that it has been done right. We don't get that email as fast with other services we use.”
Diana A.
Co-executive director at Nonprofit
“ Excellent customer service. Holding's puts its customers first and is willing to take the time to help.”
Keith W.
Business Owner
“The interest from my Holdings account pays for my office lease.”
“Easy to use- product is very straight forward. I use it to earn yield on the security deposits I hold for my rental property business.”
Fabian Friedrich
Rental Property Owner
“We LOVE the feature that sends us an email when the transaction has gone through. It gives me peace of mind to know that it has been done right. We don't get that email as fast with other services we use.”
Diana A.
Co-executive director at Nonprofit
“ Excellent customer service. Holding's puts its customers first and is willing to take the time to help.”
Keith W.
Business Owner
“The interest from my Holdings account pays for my office lease.”
“Easy to use- product is very straight forward. I use it to earn yield on the security deposits I hold for my rental property business.”
Fabian Friedrich
Rental Property Owner
“We LOVE the feature that sends us an email when the transaction has gone through. It gives me peace of mind to know that it has been done right. We don't get that email as fast with other services we use.”
Diana A.
Co-executive director at Nonprofit
“ Excellent customer service. Holding's puts its customers first and is willing to take the time to help.”
Keith W.
Business Owner
“The interest from my Holdings account pays for my office lease.”

FAQ

How does the tiered interest structure work?

Is there a cost for money transfers?

Do I need to maintain a minimum balance?

Are there any hidden fees?

How does the Sweep Program provide up to $3M in FDIC insurance?

What statements are provided?

FAQ

How does the tiered interest structure work?

Is there a cost for money transfers?

Do I need to maintain a minimum balance?

Are there any hidden fees?

How does the Sweep Program provide up to $3M in FDIC insurance?

What statements are provided?

FAQ

How does the tiered interest structure work?

Is there a cost for money transfers?

Do I need to maintain a minimum balance?

Are there any hidden fees?

How does the Sweep Program provide up to $3M in FDIC insurance?

What statements are provided?

Banking that pays you back—just for being a good customer.

Open Account

Banking that pays you back—just for being a good customer.

Open Account

Banking that pays you back—just for being a good customer.

Open Account

Disclaimers and footnotes

Holdings is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust and i3 Bank, Members FDIC. The Holdings Visa® Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
Funds deposited in your Holdings account are held by Evolve Bank & Trust and i3 Bank, Members FDIC. The standard deposit amount is $250,000 per depositor, per insured bank, for each account ownership category.

Through Evolve's Sweep Program, funds may be eligible for up to $5M in FDIC insurance. Find additional information about the Sweep Program here. Through i3 Bank's Sweep Program, funds may be eligible for up to $3M in FDIC insurance. Find additional information about the Sweep Program here

Disclaimers and footnotes

From Our Customers

“Easy to use- product is very straight forward. I use it to earn yield on the security deposits I hold for my rental property business.”

Fabian Friedrich

“We LOVE the feature that sends us an email when the transaction has gone through. It gives me peace of mind to know that it has been done right. We don't get that email as fast with other services we use.”

Diana A.

“ Excellent customer service. Holding's puts its customers first and is willing to take the time to help.”

Keith W.

“The interest from my Holdings account pays for my office lease.”