getholdings.com

What It Is

Holdings is a fintech company serving small and midsize businesses and nonprofits in the United States. It offers an integrated management platform that combines business banking, accounting/bookkeeping, and financial tools. It is not a traditional bank; instead, it provides underlying banking services in partnership with i3 Bank, bringing cash management, transaction tracking, bookkeeping, and tax preparation into a single workflow so business owners can stay in control of their finances on demand.

Key Dimensions

• Service type: Includes free business banking, self-serve accounting software, and fully managed bookkeeping services, plus 57 no-signup online financial tools such as an invoice generator, 1099 generator, tax calculators, and more.
• Supported payment methods: Offers a Visa business debit card and supports connecting existing external bank accounts via Plaid for fund synchronization and payments.
• Supported countries/regions: Primarily focused on the U.S. market, as indicated by FDIC insurance and tax tools such as 1099-NEC.
• Rates and fees: Uses tiered pricing. The free plan includes a $0/month business banking account, unlimited invoicing, and 1.75% APY. The $25/month software plan adds double-entry bookkeeping and reporting. The $59/month service plan includes bookkeeping and monthly close. Notably, the $59/month service plan is free if the account balance stays above $10,000. On the banking side, there are no monthly fees or hidden fees.
• Compliance and licensing: Holdings itself is a fintech company. Funds are held by i3 Bank, an FDIC member, with up to $3 million in FDIC deposit insurance.
• Risk controls: Uses 256-bit encryption, is SOC 1 compliant, and is PCI DSS certified to protect funds and data.
• API and integrations: Its core integration capability relies on Plaid, enabling seamless synchronization of external bank transactions, automatic bill categorization, and reconciliation without manual imports.

Pricing, Pros, and Cons

Holdings is highly competitive on pricing, especially with its “fee-free bookkeeping when balance requirements are met” model, which effectively lets idle business cash subsidize back-office operations. Its strengths include deep integration between banking and bookkeeping, eliminating data silos; 57 free tools that lower the barrier to entry; and an unusually strong APY for a checking account. The drawbacks are that its bookkeeping and tax tools are tightly tied to the U.S. tax and accounting system, making them unsuitable for non-U.S. entities. In addition, banking details such as settlement timelines are not clearly disclosed on the site.

Who It’s For

Holdings is best suited to U.S.-based small business owners, freelancers such as designers and ecommerce sellers, and 501(c)(3) nonprofits. It is especially relevant for founders who want to move away from manual workflows in software like QuickBooks, or who do not want to hire a full-time accountant.

Access from China

The website does not mention any international access restrictions, and its availability from China is unknown. Because the service is deeply tied to the U.S. banking system and tax rules, core features such as bookkeeping and FDIC insurance are not applicable to mainland Chinese businesses. Domestic alternatives may include financial software such as Kingdee and Yonyou, or cross-border payment and FX settlement platforms.