Holdings

Holdings is AI-native business banking. We combine free business checking with AI-powered bookkeeping in a single platform — so businesses never have to manually categorize a transaction, reconcile accounts, or chase down receipts again. Our AI engine automatically categorizes every transaction in real time, generates financial reports on demand, and keeps books audit-ready without human intervention. For nonprofits, churches, startups, freelancers, e-commerce brands, and accounting firms, this means cleaner financials, fewer hours on busywork, and a banking experience built for how businesses actually operate today. We also offer free tools — including a Nonprofit Funding Finder, Payroll Calculator, and Business Budget Templates — that help organizations make smarter financial decisions before they even open an account. No monthly fees. No minimum balance. No transaction limits. Just banking that works.