Zero-Fee Nonprofit Banking & Simple Grant Tracking for Impact

Introduction: A New Era in Nonprofit Finance

Nonprofits are the heart and hands of community resilience. From environmental protection to public health, mission-driven organizations lead the charge in solving society’s most urgent challenges. Yet, for many nonprofit leaders, one hurdle looms larger than the rest: managing money in a way that matches the values and urgency of their mission.

At Holdings, we believe your financial platform should feel like a teammate—not an obstacle. We’re here to unlock a smarter, kinder, and far more impactful approach to nonprofit banking and accounting. Zero fees robbing your grant dollars. Real returns on every balance. Built-in controls that make compliance a breeze. All designed to free you up for what matters most: serving your community and sustaining your mission.

1. Why Nonprofits Need Financial Solutions Built for Them

Nonprofits are unlike any other enterprise. Your “customers” are often donors, volunteers, or those you serve. Your funding can be patchwork: government grants, individual gifts, corporate sponsors, and sometimes fees for service. Restrictions and compliance requirements stack high—especially for grants and designated funds.

Traditional banks and accounting tools? They often treat these differences as afterthoughts. But at Holdings, we know the reality: You don’t have time for workarounds. You need tools that fit your workflow out of the box.

2. The World is Changing—And Nonprofits Are Leading

Climate change, income inequality, public health crises, and loss of biodiversity have forced every sector to think bigger and act faster. Nonprofits aren’t just responding—they’re pioneering new solutions for climate adaptation, environmental justice, and more. Your work is vital, and becoming more complex by the year. You deserve financial systems that keep up.

3. Your Mission is Too Important for Bad Banking

Hidden fees draining your reserves? Earn pennies on cash in the bank while waiting for the next grant disbursement? That’s the old way.

With Holdings, zero-fee banking and a 2% return on all balances means every donated dollar and every grant gets you further. It’s like discovering forgotten funds in your couch—except the couch is your bank account.

4. Grant Tracking Without Spreadsheets

Managing multiple fundraising campaigns, programs, or grants in the same checking account can feel like juggling in the dark. Holdings’ virtual accounts let you split, track, and report funds by purpose—no spreadsheets required.

• Set up a virtual account for each grant, program, or project.

• Tag every transaction for audit-ready books.

• Run real-time reports for funders or your board, instantly.

5. Team Spending: Safe, Easy, and Transparent

Reimbursing staff or volunteers after the fact is a headache. Petty cash can disappear into the ether. Holdings gives you modern debit and virtual cards anyone on your team can use—with spending limits, controls, and instant tracking.

• Issue cards for events, programs, or remote staff.

• Lock cards or change limits with a click.

• Every purchase auto-categorized for easy reporting.

6. Making Expense Tracking Effortless

Lost receipts? Manual reconciliations? With Holdings, upload receipts from your phone, assign to a fund or grant, and keep everything organized for your next audit or annual report. It’s bookkeeping for real humans, not robots.

7. Bookkeeping Support—For Lean Teams or CFO-Led Orgs

You can bring your own accountant. But if you’re understaffed, Holdings can handle the bookkeeping for you.

• We reconcile accounts, categorize transactions, and prepare grant-ready reports.

• Catch up on old records or keep everything clean all year long.

• Only pay for what you need.

8. Plug Us Into Your Favorite Tools

We play nicely with Sage Intacct and QuickBooks—so there’s never a need to rip and replace. Use our integrations for syncing, or simply export data in the format you need. Upgrade your banking and spend management, but keep accounting that works for you.

• Full CSV exports for easy uploading.

• Direct syncs wherever technically possible.

• Save hours on manual data entry.

9. Simplify Audits and Stay Compliant

Grants come with strings attached—sometimes pages and pages of them. With Holdings, every dollar is traceable by source, use, and reporting period.

• Build robust audit trails with minimal effort.

• Customizable tags meet even the toughest compliance requirements.

• Quick, professional-looking reports for boards, grantors, or external auditors.

10. Segmentation Without Spreadsheets

Managing 10 grants in one checking account? Virtual accounts fix that, letting you slice and dice funds as needed.

Use CaseWith HoldingsWithout HoldingsGrant SegregationVirtual accounts by grantManual spreadsheetsStaff PurchasesControlled debit/virtual cardsPetty cash, receiptsReportingInstant, audit-readyManual, error-prone

11. Zero-Fee Banking: What That Means For You

Every dollar a donor gives should go straight to your mission, not chipped away by account or transaction fees.

• No monthly maintenance fees.

• No wire or check fees for domestic transactions.

• Simple, transparent pricing if you use extra services (like bookkeeping).

12. Earn More On Every Balance

Whether you have $2,000 or $200,000 in reserves, you deserve to see that money work. Unlike traditional banks that pay near-zero interest, Holdings offers a flat 2% on all eligible balances. For many organizations, this can add up to fund crucial overhead or program expenses year after year.

13. What About Security?

We take safeguarding your funds as seriously as you do. Holdings partners with i3 Bank, Member FDIC, with deposits insured up to $3 million. Multi-factor authentication, permission-based roles, and proactive monitoring are always included.

14. Ready for Remote Work—And Volunteer-Driven Teams

Nonprofit teams aren’t always in the same place or working 9-5. Whether you have remote program managers, field workers, or ad hoc volunteers, Holdings makes it easy to authorize spending, reimburse on the go, and supervise from afar.

15. Data-Driven Decision-Making

Your board, funders, and staff need current numbers. Stop waiting for end-of-month bank statements. See spending by fund, track burn rate on a grant, or forecast future cash needs with live dashboards.

16. Built-In Controls, Fewer Mistakes

Human error happens—especially when people wear multiple hats. Holdings helps you catch duplicate payments, flag unapproved expenses, and lock cards instantly to prevent loss. Less time cleaning up, more time on mission.

17. How Our Card Controls Make P-Cards Safe

Traditional purchase cards (P-cards) were built for big companies, not nimble nonprofits. Ours work differently:

• Set daily/per-purchase limits by user or event.

• Require receipt upload via text or email.

• Instant alerts and one-click card lockout.

18. Supporting All Types of Nonprofits

Whether you’re all-volunteer, scaling with a full back office, or somewhere in between, Holdings can work for you.

• Startups: Track a single program and receipts out of a shoebox.

• Grassroots: Manage multiple grants, volunteers, and changing rosters.

• Growing orgs: Sync with Sage Intacct, enforce CFO-level controls.

We meet you where you are.

19. Fundraising Without the Friction

Holdings helps you correctly allocate every fundraising dollar—so you can differentiate between general donations, restricted gifts, event proceeds, and more. At a glance, see what you’ve raised, what’s been spent, and what’s left to allocate.

20. Real Support From Real Humans

Questions? Need help catching up on old reconciliations? Our team is made up of nonprofit finance experts who speak your language—clear, direct, and just a call away.

21. Real-World Examples: Impact Across Sectors

• A rural food bank segments its government grant, donor gifts, and emergency aid in separate virtual accounts—cutting reporting time by 80%.

• A youth advocacy group uses our cards for staff in different cities—controlling spending and eliminating late-night reimbursement requests.

• A conservation nonprofit relies on Holdings for grant-ready, audit-compliant books, freeing up their one finance volunteer to focus on fundraising.

22. Modern Controls Without Any Extra Jargon

Some platforms promise “AP automation” or “ERP integrations”—but we’ll keep it simple. Holdings allows you to:

• Track every purchase by grant automatically—no manual sorting.

• Download professional financial reports in seconds.

• Set built-in spending rules team-wide.

23. Frequently Asked Questions

Do I have to leave my current accounting system?
Absolutely not. Keep using Sage Intacct, QuickBooks, or Xero. Holdings simply feeds your existing accounting with clean, clear data.

Can I issue cards to volunteers?
Yes, easily invite whoever needs one and set appropriate guardrails.

Is there a minimum balance or hidden fee?
No minimums, no hidden fees, and all the transparency you wish every vendor offered.

24. Onboarding: As Simple As It Gets

Time is short and missions can’t wait. Get started with Holdings in a few easy steps:

1. Open your account online—no branch visits.

2. Set up your virtual accounts for programs, funds, or grants.

3. Invite your team and set up cards.

4. Start tracking and reporting from day one.

25. Privacy and Security: Non-Negotiable

Holdings never sells your data. Permission structures ensure only the right people see what they need. Every action is auditable, and deposits are FDIC insured up to $3 million.

26. Supporting Complex Grants & Compliance Needs

Need to segregate federal, state, private, and emergency funds? It’s a one-step process with Holdings’ virtual accounts and tagging.

27. Never Miss an Audit Deadline Again

With all your data pre-segmented, reconciled, and categorized, running year-end reports or fulfilling funder requests is a click away. Sleep easier during audit season knowing you’re prepared—without the overtime.

28. Growing With You: From One Staffer to Full Teams

Holdings is designed for lean organizations and complex structures alike. Scale up without switching tools—and avoid the dreaded “spreadsheet sprawl” as you expand.

29. Protecting Your Grant Funding

Know exactly how restricted funds are being spent and prevent costly errors that can threaten compliance or future awards.

30. Reduce Errors, Save Time, and Boost Morale

Accurate, up-to-date books mean less back-and-forth, fewer corrections, and far less staff frustration. Time you save on admin is time you spend growing your impact.

31. Built to Integrate, Not Compete

We’re not here to “replace” your accounting tools—we’re here to upgrade the way you move, manage, and control money. Holdings works alongside the systems you already love (or at least tolerate).

32. You Deserve Financial Tools as Mission-Driven as You Are

You’re innovating in your field. Isn’t it time you demanded as much from your bank and back-office tools as you do from your team?

33. Join a Community of Nonprofits Using Holdings

Across the spectrum—healthcare, education, environment, poverty alleviation—our platform is trusted by organizations making outsized impact with lean resources.

34. Your Next Step: See Holdings in Action

Whether you need all-in-one simplicity or just better control and reporting on cash, Holdings is here to help. Get started fast, and let our team walk you through your options. Every nonprofit deserves powerful, user-friendly finances.

35. Let’s Build Something Great—Together

You don’t have to navigate the financial side of mission work alone. Holdings brings modern banking, zero fees, real returns, and a full suite of controls trusted by small and sophisticated organizations alike. Spend less time worrying about dollars, and more time driving the change you want to see in the world.

Ready to empower your team and amplify your mission?
Let’s get to work, together.