Compare Holdings vs banks, accounting tools, and bookkeeping services
Everything you need to bill and get paid. Bank included.
Side-by-side breakdowns with the banks and accounting tools you're evaluating. Holdings is agentic invoicing (free) + full accounting ($25/mo) + connected business banking via i3 Bank (Member FDIC) — one platform, one login.
How we compare
Holdings stands alone
Agentic invoicing and accounting on top of any bank.
| Banking + Accounting | Basic Banking | Built for Specific Orgs | Built for Everyone |
|---|---|---|---|
| Banking + Accounting for specific orgs | Banking + Accounting for everyone | Banking only for specific orgs | Banking only for everyone |
- Holdings — The only platform combining free banking, cards, invoicing, and accounting ($25/mo) — for freelancers, nonprofits, startups, and every business in between.
- Mercury — Banking for startups. No accounting tools.
- Relay — Simple banking with budgeting features.
- Bluevine — Business checking and lending for small businesses.
- Brex — Corporate cards and spend management for startups and enterprises.
- Ramp — Corporate cards with spend management automation.
- Wells Fargo — Traditional big bank. Legacy banking systems.
- US Bank — Traditional bank with general business accounts.
- Amex — Premium business cards and banking services.
- SVB — Banking for tech and VC-backed companies.
- QuickBooks — Accounting software for all businesses. No native banking.
- Xero — Cloud accounting for all businesses. No native banking.
- Aplos — Accounting and fund management built specifically for nonprofits and churches.
- Springly — All-in-one nonprofit management — CRM, donations, accounting.
Ready to see why businesses are switching?
Best Banks by Industry
Side-by-side bank comparisons tailored to what your industry needs most.
- Nonprofit Banking — Best Banks for Nonprofits: Fund tracking, grant management, and FDIC coverage compared.
- Freelancer Banking — Best Banks for Freelancers: Tax tools, invoicing, APY, and expense tracking compared.
- E-Commerce Banking — Best Banks for E-Commerce: Stripe, Shopify and Amazon integration compared.
- Church Banking — Best Banks for Churches: Fund tracking, donation integration, and sub-accounts compared.
Holdings vs. the Competition
Detailed 1-on-1 comparisons with every major business bank and accounting platform.
Software your AI can run — Connected by default. Agentic by design. Mercury and Relay just bank. QuickBooks and Xero just keep books. Holdings does all three — agentic invoicing drives, accounting stays current, banking flows in. Bank, books, and invoicing write to each other, not around each other.
Chase — Business banking.
Bank of America — Business banking.
Wells Fargo — Business banking.
Mercury — Startup banking.
Bluevine — Online banking.
Relay — Online banking.
Novo — Online banking.
Brex — Startup banking.
Capital One — Business banking.
PNC — Business banking.
US Bank — Business banking.
Axos Bank — Online banking.
SVB — Innovation banking.
Found — Freelancer banking.
Lili — Freelancer banking.
NorthOne — Small business banking.
Amex Business — Business checking.
QuickBooks — Accounting platform.
FreshBooks — Accounting platform.
Xero — Accounting platform.
Wave — Accounting platform.
Bench — Bookkeeping service.
Crowded — Nonprofit banking.
Aplos — Nonprofit accounting.
Wave vs QuickBooks — Free vs paid accounting.
QuickBooks vs Wave — Accounting showdown.
Springly — Nonprofit management.
Best Banks by State
State-by-state comparisons with local banks, credit unions, fees, and nonprofit banking requirements.
- Alabama — 8 banks compared.
- Alaska — 8 banks compared.
- Arizona — 8 banks compared.
- Arkansas — 8 banks compared.
- California — 8 banks compared.
- Colorado — 8 banks compared.
- Connecticut — 8 banks compared.
- Delaware — 8 banks compared.
- Florida — 8 banks compared.
- Georgia — 8 banks compared.
- Hawaii — 8 banks compared.
- Idaho — 8 banks compared.
- Illinois — 8 banks compared.
- Indiana — 8 banks compared.
- Iowa — 8 banks compared.
- Kansas — 8 banks compared.
- Kentucky — 8 banks compared.
- Louisiana — 8 banks compared.
- Maine — 8 banks compared.
- Maryland — 8 banks compared.
- Massachusetts — 8 banks compared.
- Michigan — 8 banks compared.
- Minnesota — 8 banks compared.
- Mississippi — 8 banks compared.
- Missouri — 8 banks compared.
- Montana — 8 banks compared.
- Nebraska — 8 banks compared.
- Nevada — 8 banks compared.
- New Hampshire — 8 banks compared.
- New Jersey — 8 banks compared.
- New Mexico — 8 banks compared.
- New York — 8 banks compared.
- North Carolina — 8 banks compared.
- North Dakota — 8 banks compared.
- Ohio — 8 banks compared.
- Oklahoma — 8 banks compared.
- Oregon — 8 banks compared.
- Pennsylvania — 8 banks compared.
- Rhode Island — 8 banks compared.
- South Carolina — 8 banks compared.
- South Dakota — 8 banks compared.
- Tennessee — 8 banks compared.
- Texas — 8 banks compared.
- Utah — 8 banks compared.
- Vermont — 8 banks compared.
- Virginia — 8 banks compared.
- Washington — 8 banks compared.
- Washington, D.C. — 8 banks compared.
- West Virginia — 8 banks compared.
- Wisconsin — 8 banks compared.
- Wyoming — 8 banks compared.
Ready to switch?
Sign up in minutes. No monthly fee for invoicing; $25/mo for full double-entry accounting. Works on top of whichever bank you already use.