Holdings combines free business checking, 1.75% APY on all balances, and AI-powered bookkeeping into one platform — so you don't need a separate bank, accounting software, and bookkeeper. Open an account in minutes with no minimum deposit. Every business gets unlimited sub-accounts for organizing funds by project, department, or grant. Transactions are automatically categorized, and you can generate P&L statements, balance sheets, and tax-ready reports with one click. Built for small businesses, nonprofits, churches, freelancers, and e-commerce brands. 1,000+ businesses trust Holdings to manage their finances. Key features: • Free business checking — $0 monthly fees, no minimums, no transaction fees • 1.75% APY on all balances (variable, compounded monthly) • FDIC insured up to $3,000,000 through i3 Bank + program bank network • AI-powered bookkeeping — automatic categorization, reconciliation, reporting • Unlimited sub-accounts for fund/project/department tracking • Holdings Visa Debit Card with spend controls • Free ACH and domestic wires • Multi-user access with role-based permissions • Form 990 support data for nonprofits • Optional dedicated bookkeeper for $100/month • SOC 1 Type II certified, 256-bit AES encryption