Top Nonprofit Banking Platform: Grant Tracking, No Fees & 2% APY

We are thrilled to share some incredible news with our nonprofit community: Holdings has just been recognized by CFO Tech Outlook as one of the country’s Top Fintech Solutions Providers. This honor isn’t just about fancy certificates or bragging rights—it’s about what it means for mission-driven teams like yours who need modern, dependable ways to manage your money, keep up with program demands, and stretch every single dollar for good.

Holdings was built from the ground up to make nonprofit money management less of a headache, and more of a help. Whether you’re a grassroots organization tracking your first grant, or a complex nonprofit with multiple programs and outside funders, we’re here to make sure you have access to secure, flexible financial operations that lift administrative burdens, reduce errors, and protect your hard-fought resources.

Let’s get real for a moment. The typical “business bank” was designed for for-profits, not those juggling grants, donations, invoices, volunteers, and compliance guidelines. Why should your organization pay monthly banking fees just to access your own dollars? Why should real returns—like earning interest on everything you save—be limited to the biggest businesses while nonprofits get a raw deal? We think your work deserves better.

With Holdings, there are no monthly fees. That means every donated dollar and grant check stays with your cause. We also offer unlimited free ACH and wire transactions, because moving your money around shouldn’t cost extra. From day one, your balances earn a strong 2% return—meaning unrestricted operational funds, grant funds, and those rainy-day reserves are all working harder, automatically.

For small shops, this adds up quickly. If you’re running lean with just a handful of programs and volunteers, a few thousand dollars saved from fees—or earned in interest—could mean more backpacks for kids, more meals served, or more support delivered directly to your community. For larger nonprofits handling significant grant cycles or managing multiple restricted funds, this earning power scales with your impact.

We know that security is the foundation of everything you do. Holdings partners with trusted banking providers to keep your funds and financial data safe. Our virtual account structure protects you and your programs, not just from fraud, but from the endless spreadsheet headaches that come with shared bank accounts and manual reporting. Divide up your funds by grant, by program, or any way you need—automatically. Overnight, every transaction streams into easy-to-read dashboards, keeping you in control and ready for any funder’s audit or board review.

It doesn’t stop there. Real nonprofit financial management means empowering your team—especially when your finance “department” might just be you and a part-time bookkeeper, or even just a passionate volunteer keeping receipts and reconciling every grant in Excel. That’s why Holdings provides both virtual and physical debit cards for employees, volunteers, or program leads. Spending controls are built right in. If a trip to the hardware store calls for $50 in supplies from the emergency fund, you can allocate, approve, and track that in seconds. No waiting for reimbursements. No open-ended credit cards. Just clear, safe, controlled purchases—each tied directly back to the proper grant or program.

For growing nonprofits using platforms like Sage Intacct or QuickBooks—that’s great! You don’t have to choose between your trusted accounting system and better banking. We offer direct integrations where possible, and easy download options when we can’t integrate directly. Most important, every transaction in Holdings can be tagged and exported by grant, program, fund, or project. No more late nights sorting purchases for restricted reporting. With Holdings, every purchase is tracked at the source—giving you clearer records and protecting your compliance.

Are you tired of cobbling together bill pay, banking, and yet another invoicing platform? Holdings brings these tools together, allowing you to send, schedule, and pay bills from the same platform you use for banking and expense tracking. Our upcoming features will let you issue invoices, manage payment approvals, and automate the little things—freeing you (and your staff or volunteers) from busywork once and for all.

But what if your organization doesn’t even have a formal accounting system? Maybe you want to keep everything in one place right now. We get it! With Holdings, you can rely on us for expense tracking, program segmentation, and even bookkeeping services if you need them. We know that many smaller nonprofits (and plenty of growing ones) go without a dedicated finance team, which means catching up for an audit or grant report can be overwhelming. Our team is here to help—keeping your records clean, clear, and fully compliant, so you’re never scrambling when a funder comes calling.

Each virtual “fund pocket” you create on Holdings isn’t just a line in an app. It’s a way to turn banking into real program control. Want to make sure donations raised for one initiative never get mixed with restricted grant funds? Set up separate virtual accounts for each. Need simple monthly statements ready for your treasurer, director, or major donor? Just a click away. Your accountant or bookkeeper (in-house or out-of-house) can access exactly what they need, whenever they need it—no more unmarked line items or “mystery spend” headaches.

Of course, not every nonprofit looks the same or has the same needs. Holdings gives you flexibility, not a one-size-fits-all box. If you’re starting out, you can use just our core banking and card tools to gain control right away. As you grow, layer on expense approvals, detailed reporting, or bookkeeping help. Larger organizations can dial in advanced features, knowing that every Holdings tool is designed to play nicely with what’s already working for you.

Throughout all of this, we’ve kept our eye on removing everyday friction that holds nonprofits back. Do you spend too much time reconciling receipts or chasing people for approvals? Our mobile and desktop expense tools make it easy for staff and volunteers to upload receipts, add notes, and snap photos from their phone—no spreadsheet wrestling required. Approval workflows are as simple or sophisticated as you need, so you can delegate with peace of mind.

Compliance is a word that can strike fear in even the bravest nonprofit leader, especially when grant reporting feels never-ending. Holdings automates as much as possible—from tracking allowable costs by fund, to making sure every transaction is coded correctly, to providing real-time visibility. The result: cleaner records, fewer errors, and less stress at audit time. And if something needs extra attention? Our support team is made up of real nonprofit financial experts, not just bots or generic customer service reps.

You might be wondering: What’s the catch? How do we keep things fee-free while offering this much support and earning power? We’re able to deliver true no-fee banking for nonprofits because our technology is built smart from the ground up, not tacked onto outdated bank infrastructure. We work with mission-aligned banking partners to make sure you get the security and returns you need, while avoiding hidden costs common with old-fashioned accounts.

Your mission doesn’t pause to wait for business-hours banking, so we don’t either. Holdings works wherever and whenever you do—from the shelter office, on the road to a site visit, or while working from home. Use your Holdings debit card for everyday purchases, or set up a virtual card instantly to make an online order for a last-minute event. Security is baked in at every step. Our virtual cards give you next-level fraud protection, so you can worry less about lost cards or accidental overspending.

Integrating spend management into the same place as your banking isn’t just a nice-to-have—it’s a practical solution for nonprofit teams of any shape or size. Every time someone spends, you see exactly which program or fund it came from, and you can assign rules or limits in advance. Need to empower a volunteer to buy supplies for a specific project, but worry about losing control? Grant them a program-specific card with a set budget and real-time oversight. That way, you get the agility of decentralized spending without any of the old risks.

As we celebrate being named a top fintech provider, our real reward is seeing mission-driven teams like yours gain the clarity, control, and flexibility that you deserve. We’re not here to replace your systems, upend your workflows, or sell you something you “should” want. We’re here to remove obstacles so you can focus on advancing your impact, not tracking receipts.

We know the future of nonprofit finance is flexible, just like the nonprofits themselves. Whether your annual budget is $10,000 or $10 million, you deserve financial systems that meet you where you are. Have questions about integrating with your grant management tool or existing accounting software? We’d love to walk you through how Holdings can make life easier, no matter your starting point.

The nonprofit sector is built on trust—from communities and clients, from volunteers and donors, from partners and funders. Our platform honors that trust by championing transparency every step of the way. See all your activity at a glance in one dashboard, share the right reports with the right people, and never lose sleep over a missing transaction or untagged expense.

We’re not just recognized for our technology. What sets Holdings apart is that every tool and every feature is informed by real nonprofit needs. We listen to funders, administrators, program leads, and bookkeepers because we know the real world isn’t as tidy as a balance sheet. That’s why Holdings offers live support from sector experts, practical guides, and advice for organizations in every stage of growth.

If you’re a finance pro managing multiple programs with complex reporting deadlines, we deliver export-ready files tailored for your audit and compliance needs. If you’re a passionate founder trying to turn a pile of receipts into a clean grant report for the first time, we’ll keep you organized—and help you build infrastructure at your own pace.

As more nonprofits join our platform, they gain from a growing community of practitioners who share what works. We believe in learning together, improving together, and making space for every mission, big or small. Your story, your experience, and your feedback are what make Holdings better for everyone.

We’re here for the long haul, committed to refining and expanding our features so we always stay ahead of the real world’s challenges. Coming soon, you’ll see even more invoicing and bill-pay options, deeper integrations with existing accounting systems, and expanded reporting templates for board, auditor, and grantmaker needs. Every change we make starts with you—our nonprofit partners—and the conversations we share.

Thank you for trusting Holdings as a partner in impact, stewardship, and sustainability. We know how hard you work to care for every dollar that comes through your doors, and we’re proud to be making nonprofit money management smarter, safer, and simpler.

Stay tuned for future updates—and know that while recognition like “Top Fintech Provider” is nice, our real goal is always making sure nonprofit teams never have to settle for financial tools that weren’t designed for them. With Holdings, you’ll always find a platform built for the way you work, grow, and serve.

If you’re ready to simplify the way your organization manages cash, tracks grant spending, or empowers your team to spend safely, we’re just a conversation away. Whether you’re looking for a totally integrated solution or just want to plug in smart expense controls on top of what you use today, Holdings meets you where you are.

Here’s to less time on admin—and more time for your mission. The future of nonprofit money isn’t just fee-free—it’s finally working in your favor. Welcome to Holdings: where your impact is the bottom line.