Nonprofit Banking Made Simple: Zero Fees, Grant Tracking & Cards

Welcome to a new era in nonprofit financial management. Whether you’re leading a grassroots community group or a growing organization with multiple programs and a board to report to, managing money well is part of the impact equation. Holdings is built for exactly this: giving nonprofits real control, clarity, and confidence—without the stress, extra costs, or unwanted complexity.

Why Holdings? Because Every Mission Deserves Effective Money Management

In a world where the stakes for stewardship are high and every dollar meant for mission matters, Holdings offers a platform that finally works as hard as your team does. Say goodbye to the patchwork of spreadsheets, inaccessible “business” banks, or cobbled-together apps that don’t talk to each other. Holdings is here to untangle the mess and put you back in control—no matter your finance setup.

Zero-Fee Banking for Nonprofits

Running lean shouldn’t mean giving up secure, modern money management. At Holdings, nonprofits pay no account fees, no domestic transaction fees, and never face hidden costs. Your donors’ contributions stay with you, moving freely between purposes, programs, and partners—without the penalty box of bank charges.

Earn 2% Return on Every Eligible Nonprofit Balance

With Holdings, your funds aren’t just safe—they’re productive. Earn a flat 2% return on all eligible balances, credited monthly and with no strings attached. That means more breathing room for your reserve funds, rainy-day accounts, or specific campaigns. While most traditional banks offer a fraction of this, Holdings helps you turn passive dollars into more mission.

Up to $3 Million in FDIC Insurance

Nonprofit treasurers and boards can sleep soundly: deposits are insured up to $3 million, far above the usual standard. Through our banking partners and program infrastructure, we ensure your resources are protected—no matter how large a grant cycle or how many funders you serve.

One Consolidated Platform: For Simple or Complex Nonprofit Finances

The modern nonprofit rarely has the luxury of a full finance department. Holdings meets you where you are, whether you’re a single program director juggling restricted gifts or a sophisticated org reporting to federal grantmakers. It’s all within one login—no more toggling between systems.

Your bank accounts, expense tracking, bookkeeping, and reports live together, cutting down on confusion and administrative burden. Grants, programs, and fundraising campaigns can be segmented and tracked automatically, freeing your staff (or volunteers!) from tedious, error-prone manual sorting.

Transparent, Nonprofit-Friendly Pricing

Banking: Always free—no fees, no penalties, no transaction costs.
Integrated Accounting: $20 per month for built-in accounting that works alongside your bank and segment tracking.
Full-Service Bookkeeping: Starts at $100 a month, providing expert help for organizations that need extra hands or want to stay confidently audit-ready.

No surprises. No fine print.

A Platform for the Nonprofit Reality—No App Required

Your organization is everywhere: at community events, board meetings, donor dinners, or program sites. Holdings is designed to travel with you. Our website is fully mobile-responsive, giving you the exact same secure, intuitive platform on desktop, tablet, or smartphone. You don’t need to worry about special apps or software updates.

Easy Onboarding: Get Your Team Set Up in Minutes

Setting up Holdings is simple:

Start your account online—no in-person visits or lines.
Invite your team: assign board members, program leads, finance volunteers, or external accountants as needed.
Configure permissions: decide who sees, spends, or approves funds, and adjust as your team changes.
Segment your funds instantly—by program, grant, or project—without extra spreadsheets.

Invite your bookkeeper, set controls for volunteers, and keep sensitive access tightly managed—right from the start.

Advanced Security and Fraud Protection

Your mission and your finances deserve the very best protection. Holdings uses industry-standard encryption and data security practices, layered approval flows, and full audit trails so you always know who did what—no more mysteries or risk. Optional notifications, alerts, and multi-step approvals help keep you in the loop without micromanagement.

Real-Time Cash and Grant Flow Visibility

Grants can be complicated. Donation spikes aren’t always predictable. Payroll, stipends, and vendor payments all need oversight. Holdings shows you real-time cash flow, broken down by fund, program, or project, so you always have a true sense of where you stand.

Dashboards are intuitive—even those without a finance background can check incoming donations, outgoing expenses, and what’s left per purpose or restriction.

Move Money Effortlessly—No Fees, No Barriers

Pay vendors. Make transfers. Fund specific programs, reserve matching gifts, or issue microgrants to partners. All of this is free of wire, ACH, or transaction charges. Your reconciliation process is streamlined: every transaction is logged, categorized, and ready for reporting.

Cards for Teams, Controls for Leaders

Nonprofits aren’t immune to spending headaches. Whether you’re managing recurring software expenses, program outreach purchases, or volunteer reimbursement, Holdings provides instant virtual and physical debit cards. You grant access, set spending limits, and see every expense in real time—no lost receipts, no paperwork pileup, and no awkward reimbursement drama.

Lost card? Turn it off instantly. Need a card for a one-time project or event? Spin one up just as easily.

Automated Accounting and Bookkeeping

No more late nights sorting receipts, backtracking checks, or untangling restaurant charges. Holdings’ built-in accounting automates everything from invoice uploads to grant-by-grant transaction matching. Your financials are kept current, clean, and organized for audits, tax filings, and reporting to boards or funders.

If you’re short-staffed or simply want peace of mind, our expert bookkeeping team can step in—doing the heavy lifting so you can stay focused on your mission.

Segment and Track Every Dollar—No Manual Sorting

This is the end of “spreadsheet anxiety.” With Holdings, you can allocate, restrict, or tag dollars by program, grant, event, donor, or organizational priority. View balances and expenses per segment with a click. No more copy-paste errors, and no anxiety at reporting time.

Easy Integration—Fits with Sage Intacct, QuickBooks, or No Accounting System At All

We get it: nonprofits use a patchwork of systems shaped by history or board preferences. That’s why Holdings never asks you to abandon effective tools. Seamless direct integrations connect with Sage Intacct, QuickBooks, or other accounting workflows. Prefer keeping things simple? Holdings can be as all-in-one, or as focused, as your team wants—always with easy data exports.

Full Audit Trails and Compliance Confidence

From grant reporting to financial reviews, audit trails are a must. Holdings logs every user action on your account. Approvals, edits, logins, and transactions are all tracked, creating effortless compliance for federal grants, major donors, or your own policies.

Friendly, Knowledgeable Support—For Nonprofits, By Finance Ops Experts

Running a nonprofit isn’t like running a business. Our support team knows the grant cycles, reporting needs, and shoestring budgets you face. Get answers on everything from onboarding to uploading a board resolution, in plain English.

Chat, email, or schedule a call with someone who actually understands sector-specific pain points—from managing restricted gifts to prepping a year-end Statement of Functional Expenses.

How Holdings Strengthens Different Nonprofit Teams

Lean teams without finance staff can use Holdings to automate their books, separate funds, and clean up annual filings—without feeling overwhelmed.

Growing organizations with multiple programs or federal grants can finally track every dollar by purpose and automate grant compliance tasks.

CFO-led, complex orgs can sync their Holdings activity seamlessly into their advanced accounting stacks, using our platform as the hub for real-time expense control and clean audit trails.

Features That Empower and Simplify

Virtual Accounts: Instantly segment your cash by grant, program, or restriction.
Real-Time Reports: See exactly what’s left in each bucket at a glance.
Virtual and Physical Cards: Empower volunteers and staff with spending power—without paperwork or headaches.
Built-In Bookkeeping: Automate your back office or outsource it entirely to vetted pros.
Integrations: Use only what you need. Add Holdings to your toolkit, or let it be the all-in-one platform for your organization.

Protect Your Donors’ Trust

Every donor and grantmaker wants to see that stewardship is real—not just promised. Holdings helps you keep donor intent visible at all times, with everyday workflows that make compliance the default. Segment and report with confidence—no matter how complex your revenue mix.

Redefining Grant and Program Tracking

Automatically assign deposits and expenses to the right account.
Get up-to-the-minute, funding-source-specific balances.
Simplify funder reporting without endless spreadsheet maintenance.

Instant Alerts and Account Control

Wherever you are—on the road to a site visit, prepping for a gala, or at a board meeting—you stay updated with real-time notifications. Get alerts for deposits, upcoming disbursements, irregular activity, or when a staffer requests approval for a purchase.

Built-In Security and Fraud Controls

Advanced fraud monitoring and layered permissions keep your funds safe, even as volunteers and rotating staff come and go. Approvals are as robust as you set them, with complete transparency into every action.

Steps to Get Started with Holdings

Head to our website and select “Open a Nonprofit Account.”
Enter your organization’s info, including your 501(c)(3) or other tax-exempt status.
Upload your founding documents, EIN, and primary contact IDs.
Choose your initial programs, grants, or fund segments—you can set more up later.
Invite your board treasurer, bookkeeper, or other stakeholders to the platform with individualized permissions.
Fund your account by linking an existing bank, sending a wire, or depositing checks.
Set up virtual cards, spending limits, and real-time tracking as needed.

You’re ready to bank, manage, track, and report with ease.

Budgeting and Forecasting for Smarter Planning

With Holdings’ forecasting tools, you can model future scenarios, plan for restricted income vs. general fund flexibility, and set benchmarks that automatically update as conditions change.

Budget for your next event, program, or fiscal year with certainty and adjust in real time as donations or grants come in.

Fully Mobile-Responsive—Track, Approve, and Report Anywhere

Whether your finance chair is traveling, your program manager is working in the field, or your treasurer logs in from board meetings, Holdings works wherever you are. Secure, browser-based access means you never miss a beat, approval, or deadline.

Designed for Every Kind of Nonprofit

A local theater with spotty WiFi? No problem. A youth sports league with frequently changing volunteers? We keep you organized. A regional service agency with complex, multi-source grants and multiple reporting deadlines? We’ve got you covered.

You’re Not Replacing, You’re Upgrading

Holdings enhances your current workflow, whatever it is. Use it as a robust add-on for team expense controls, segment tracking, or donor-fund stewardship—or let Holdings fully automate the back office so you can focus on service, not spreadsheets.

Experience the Holdings Advantage

Holdings doesn’t believe you should accept outdated financial tools, mismatched bank policies, or opaque fees. With our platform, you put your values into practice with every transaction—a stronger, more transparent nonprofit sector, one easy dashboard at a time.

Ready to Grow, Serve, and Thrive?

Join thousands of organizations choosing Holdings for easy, powerful control over their charitable funds. No fundraising wasted on bank fees, no board member lost to spreadsheet burnout. Just clear, confident finance—built for your mission’s unique needs.

See for Yourself

Getting set up takes minutes, not days. No contracts. No minimums. Full support, right from the start.

Your money deserves to work as hard as you do. Let Holdings be your new financial sidekick—flexible, friendly, and always nonprofit-first.

For detailed, step-by-step support and to learn more about Holdings’ features or integrations, browse our Help Center or connect with our friendly team. Our commitment is to keep you focused on impact, not paperwork.

Nonprofit Banking Made Simple: Zero Fees, Grant Tracking & Cards