Unlimited Fee-Free ATM Access for Nonprofits with Holdings

Finding ways to stretch every dollar is core to running a nonprofit. Those surprise ATM fees? They eat away at your funding quietly, transaction by transaction. Whether you’re picking up last-minute supplies for a program, handing out stipends to volunteers, or responding to a community emergency, being able to access your funds—wherever, whenever—matters. At Holdings, we believe your organization’s cash should always be at your fingertips and never chip away at your mission through hidden or unnecessary charges.

You might be familiar with the all-too-common story: your team needs cash for an urgent purchase, the only available ATM isn’t from your bank, and suddenly you’re down $5 just to access your own money. It happens more often than most people realize, especially for nonprofits working in the field, across rural regions, or without a dedicated finance office. Over the span of a year, those fees can quietly siphon hundreds of precious dollars from your programs—funds that could be better spent on your mission.

With Holdings, ATM fees become a worry of the past. Your account includes unlimited, fee-free cash withdrawals and deposits at any ATM across the United States. We automatically reimburse you for any ATM fees assessed by other banks—no paperwork, no minimum balance required. Unlike “reimbursement” programs from traditional business banks, which often stop covering you after a few uses per month, Holdings covers every single transaction you need.

Let's take a closer look at why this makes a tangible difference for nonprofits of all shapes and sizes—and how to make the most of it with your Holdings account.

The Unseen Toll: How ATM Fees Hurt Nonprofits

ATM fees may seem like a small nuisance, but for nonprofits, every lost dollar matters. If your program manager makes three out-of-network ATM withdrawals per month, that could mean $15 of your grant money evaporating, month after month. It’s even more frustrating for organizations with decentralized spending—think community centers, events in multiple locations, or volunteers on the go. Many banks’ policies make things worse by setting a low cap on monthly reimbursements or by only offering benefits to accounts with large minimum balances—something that doesn’t always fit a nonprofit’s cash flow cycle.

With Holdings, you don’t have to worry about jumping through hoops. There are no reimbursement caps to track and no special account tiers to unlock. Your ability to access your organization’s money, from anywhere, is built right in.

No More Counting Withdrawals or Saving Receipts

A common frustration for nonprofit treasurers and finance leads is the tedious process of tracking which ATM fees might get reimbursed—if they’re lucky. Many banks require you to submit receipts or fill out reimbursement forms. Some only reimburse part of the fee, or only return ATM operator fees (not their own). No matter how you slice it, your team spends time chasing paperwork, or worse, just eats the fee.

With Holdings, the process is seamless. All ATM fees assessed on your account are credited back automatically, with no forms to fill out and nothing to track. If someone on your team grabs cash from any bank’s ATM, Holdings covers the charge, period.

Empowering Every Kind of Nonprofit

Lean, grassroots team managing receipts out of a shoebox? This means you’re not spending afternoons flipping through ATM slip after ATM slip to try to match fees for reimbursement.

Small but mighty nonprofit with volunteer spending in different neighborhoods? Give your team instant access to funds on the front lines, knowing they aren’t sacrificing a percentage of your funding to ATM surcharges.

Growing organization with program managers across different cities? Holdings ensures every field office, coordinator, and staff member can safely and simply access cash when necessary, without being penalized by your location.

Even for well-established nonprofits with more formal procurement protocols, on-the-go access to cash remains crucial. Not everything can happen via check or ACH—sometimes you just need to get dollars into the real world, fast.

Accessing Your Money Your Way—from Any Device

Your Holdings account is designed for wherever real nonprofit work happens: field sites, remote communities, city hubs, or home offices. You can log into your Holdings account using any modern browser on your phone, tablet, or computer—no waiting for a desktop or dealing with apps that don’t match reality. The site is responsive, so you get a smooth experience from the office or anywhere your day takes you.

When funds need to move, you or your authorized spenders can use your Holdings debit card to withdraw cash at any U.S. ATM. All ATM surcharges are automatically reimbursed, so there’s never a hidden penalty for accessing your own money.

Direct Support for Real-World Operating Scenarios

Imagine your team is running a weekend event to support homeless youth. Your regular vendors want to be paid in cash, or you run out of supplies after hours and need to restock fast. Rather than asking a staffer or volunteer to cover expenses out of pocket and pursue reimbursement, you simply send them with a safe, pre-approved Holdings card. They hit the nearest ATM—any ATM—and your account is never dinged for the extra fees.

Or suppose you operate a rural food pantry, miles from the nearest branch of any major bank. The closest cash access point in town is a credit union ATM, which normally charges out-of-network users. With Holdings, you don’t just make your own banking life easier—you literally bring financial infrastructure to underserved communities, because your card works at any ATM, full stop.

No Monthly Caps, No Minimums, No Catch

Traditional banks love to add little limits: three out-of-network reimbursements per month, or a $10 max on what they cover. Go over, and your fees start piling up again. Holdings has no such limits. Your organization can access its cash whenever and wherever it needs to, as often as it needs to, and Holdings covers every fee—there’s no “gotcha” built in. No minimum balance is required, either; all nonprofits receive this benefit by default, regardless of account size.

We know your cash flow isn’t always predictable—this is a reality in the nonprofit sector, especially when you’re working grant-to-grant or donation-to-donation. Holdings is here to reduce headaches, not create more obstacles.

Instructions: Accessing Cash and Reimbursement with Holdings

Here’s how it works, step by step:

1. Log in to Your Holdings Account
   Start by navigating to Holdings’ website using any device—computer, phone, or tablet.

2. Check Your Balance
   Make sure there are sufficient funds in your account for the withdrawal.

3. Visit Any ATM
   Use your Holdings card at any U.S. ATM—there’s no restriction on which networks are covered.

4. Complete Your Transaction
   Withdraw the desired amount of cash.

5. Fee is Automatically Reimbursed
   Any fee charged by the ATM will be refunded to your Holdings account automatically—usually within moments, with no action required from you or your team.

6. Track Cash Withdrawals Instantly
   See all ATM transactions and reimbursements right in your transaction history, viewable on any browser.

You don’t need to keep receipts or submit paperwork. The fee refund process happens in the background and appears as a credit in your account records.

Transparency That Respects Your Budget

Transparency is a pillar of nonprofit stewardship. When team members are never sure how much money actually made it into their hands (was it $100 or $96?), planning gets fuzzy and reporting suffers. With Holdings, what you withdraw is what you get. Your finance team or bookkeeper will see both the initial withdrawal and the matching ATM fee reimbursement—making reconciliation simple. This helps keep your accounting clean, cuts down confusion, and ensures your reports accurately explain every penny of grant funding spent.

Making Your Programs More Nimble

We’ve heard countless stories of nonprofit teams needing to pivot quickly: buying emergency supplies, renting space short notice, or reimbursing a volunteer who covered a service expense. Having fee-free access to cash at any ATM means no more delays, tracking lost receipts, or asking staff to front costs out of their own pockets.

Plus, since Holdings allows you to create virtual accounts for different programs or grants, you can easily assign cards (and their ATM access) to specific projects or budgets. Withdrawals can be tracked back to the right virtual account, supporting both clean financials and painless compliance for your grants.

Expanding Your Footprint Without Expanding Your Headaches

Some organizations find themselves growing fast—opening new branches, launching more programs, or collaborating with partners in different cities or states. Instead of setting up new bank relationships or limiting your teams to a single ATM network, you can trust that wherever your work takes you, Holdings will support cash access without extra fees or red tape.

This also makes it easier to onboard new staff and volunteers: there’s no need to give them a “bank map” or worry about which ATMs to use. Every ATM is your ATM now.

A Win for Finance Teams and Volunteers

Finance directors can breathe easier knowing there’s no end-of-month ATM reimbursement tangle. Bookkeepers can see, in real time, that all ATM fees are returned and matched to the correct transactions. And for all of the volunteers, field workers, or program staff who just need to get something done? There’s no need to dip into personal funds and then chase what usually becomes a complicated expense process.

Protecting Every Grant Dollar

Many grants have strict requirements about how funds are spent, and accurate reporting is crucial. ATM fees can be difficult to allocate properly or to get approved for reimbursement from funders. By eliminating these fees, Holdings helps your organization maximize every grant dollar—not only are compliance and audits easier, but actual funds are preserved for their intended purpose.

Simple, Mission-Driven Banking for Nonprofits

Every element of Holdings has been designed with nonprofit realities in mind. Zero-fee banking is about more than just saving a few dollars; it’s about removing friction so you can devote your attention—and your funding—to what matters most.

It’s not just “savings”—it’s the difference between ordering 10 more backpacks for students, being able to fund a community meal, or buying extra supplies for an outreach event. It’s also about being able to say yes to flexible, in-the-moment decisions without worrying about hidden costs piling up.

Integrated Tools for Spending Control

If expenses, especially across many programs or grants, have felt like a juggling act, Holdings’ virtual and physical cards make spend management straightforward. You control permissions, set spending limits, and can assign cards to just the right program or user. Even when that spend requires cash, every withdrawal stays tied to the correct budget, with no lost dollars to fees.

Accessible Everywhere, Designed for Real Work

Your team can access Holdings on any mobile browser—not just a desktop in the main office. Whether your financial lead is at HQ, a volunteer is at a pop-up event, or a coordinator is out delivering services, the same uncluttered dashboard and full banking functionality are available. There’s no “downgraed experience” on mobile; all funds, controls, and histories are there at your fingertips.

Strengthen Your Internal Controls While Staying Agile

Having unlimited, fee-free ATM access doesn’t mean losing control of your spending. In fact, Holdings’ tools help keep things tight: every withdrawal is logged, visible in real time, and can be tied to specific programs, grants, or approval rules. Finance leads can set limits on card users or check activity from anywhere, making oversight easy—without slowing down frontline action.

Fast Support When You Need It

Questions about a particular ATM transaction? Need to trace a cash withdrawal for your audit trail or grant report? Our nonprofit-savvy support team is just a message away, equipped to help you untangle transactions and keep your books on track. You can reach us right from your Holdings dashboard, wherever your workday happens to be.

Keep More, Earn More: 2% Return on Every Account

With Holdings, not only do you dodge ATM fees entirely, but every dollar you leave in your account also earns a competitive 2% return. That means your funds are always growing—even cash you withdraw for spending will have earned interest up until the minute you move it.

There's no catch and nothing extra to configure—every single Holdings account benefits from the same 2% rate.

How to Start Using Holdings’ Fee-Free ATMs

1. Set up your Holdings account online. The process is fast and tailored for nonprofits of all sizes.

2. Order the right number of physical or virtual cards for your team, as needed.

3. Assign cards to the people or programs who need immediate cash access.

4. Direct your team to use any U.S. ATM they like—no need to search for a certain network or location.

5. Check your Holdings dashboard afterward to see the withdrawal and the refund for any ATM fee. Funds are automatically credited back—no work required.

No Limits Means More Possibilities

Nonprofit leaders are used to working within limits—restricted funding, limited staff, tight timelines. With Holdings, at least one type of limit disappears: there’s no cap on how often your team can access cash without paying a fee.

Because these fee-free features come standard for every account, you don’t have to reevaluate your relationship based on your balance or transaction volume. All organizations—from small start-ups to established nonprofits—have equal, unlimited access.

Supports Auditor-Ready Compliance

Clean, transparent transaction records are crucial for year-end reviews and audits, especially if you’re stewards of grant funding. With Holdings, your cash withdrawals and fee reimbursements are always clearly listed in your account, making it simple to show that every expense was both necessary and efficiently managed. There’s no more confusion about lost dollars or incomplete records.

Keep Your Preferred Tools—Just Get More from Them

If you use Sage Intacct, QuickBooks, or another accounting or ERP system, Holdings fits right in. You can easily export transaction data, including ATM withdrawals and fee reimbursements, to your existing tools for synchronization and reporting. There's no need to overhaul your tech stack—just add clarity, control, and more value to what you're already doing.

For the Leanest Team—or the Largest

From grassroots organizations working out of borrowed meeting rooms to staffed agencies with dozens of programs, unlimited ATM access means different things. For some, it’s the first time every volunteer isn't eating costs. For others, it's never having to argue with a bank about fee reversals. Either way, Holdings is here to support your work, your way.

A Smarter, More Compassionate Way to Bank

We understand the nonprofit journey—the unpredictable, the urgent, the mission-first. Holdings was created to ease your administrative load and remove financial pain points, so you can spend your time (and your funds) where they matter most. Unlimited, hassle-free cash access is just one piece of the puzzle; it's a promise that your banking partner sees the world as you do: through the lens of maximizing every resource for the greater good.

Get Started Today

Opening a Holdings account is simple, secure, and nonprofit-centric from step one. You can do it all online—no in-person meetings or fussy paperwork delays. Once you’re set up, your funds are available for program needs, volunteer stipends, emergencies, and everything in between, anywhere your work takes you.

Have questions about moving your cash flow to Holdings? Looking to integrate with your finance or accounting toolkit? Our support team includes nonprofit finance professionals who get your world and are glad to help.

The Takeaway

Nonprofit work is demanding and unpredictable enough without hunting for the “right” ATM or losing money to surprise fees. Holdings gives you truly nationwide access to your money, with unlimited ATM withdrawals and automatic reimbursements, so that every dollar you earn serves your mission—not your bank’s bottom line. It's not just better banking—it's banking built for good.

You’re ready to break up with ATM fees for good. We’re here to make it simple, secure, and supportive every step of the way.