# 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](https://getholdings.com/banking) — The only platform combining free banking, cards, invoicing, and accounting ($25/mo) — for freelancers, nonprofits, startups, and every business in between. - [Mercury](https://getholdings.com/compare/mercury) — Banking for startups. No accounting tools. - [Relay](https://getholdings.com/compare/relay) — Simple banking with budgeting features. - [Bluevine](https://getholdings.com/compare/bluevine) — Business checking and lending for small businesses. - [Brex](https://getholdings.com/compare/brex) — Corporate cards and spend management for startups and enterprises. - [Ramp](https://getholdings.com/compare) — Corporate cards with spend management automation. - [Wells Fargo](https://getholdings.com/compare/wells-fargo) — Traditional big bank. Legacy banking systems. - [US Bank](https://getholdings.com/compare/us-bank) — Traditional bank with general business accounts. - [Amex](https://getholdings.com/compare/amex-business) — Premium business cards and banking services. - [SVB](https://getholdings.com/compare/svb) — Banking for tech and VC-backed companies. - [QuickBooks](https://getholdings.com/compare/quickbooks) — Accounting software for all businesses. No native banking. - [Xero](https://getholdings.com/compare/xero) — Cloud accounting for all businesses. No native banking. - [Aplos](https://getholdings.com/compare/aplos) — Accounting and fund management built specifically for nonprofits and churches. - [Springly](https://getholdings.com/compare/springly) — All-in-one nonprofit management — CRM, donations, accounting. ### Ready to see why businesses are switching? - [Open a free account](https://workspace.getholdings.com/?anonymous_id=6aecd1e2-ff19-4e6a-9adf-be37a4b91b07&sid=31d27e0b-231a-4757-976e-172c65513f00&uid=31d27e0b-231a-4757-976e-172c65513f00&open_account_source=compare_quadrant) ## Best Banks by Industry Side-by-side bank comparisons tailored to what your industry needs most. - [Nonprofit Banking](https://getholdings.com/compare/best-banks-nonprofits) — Best Banks for Nonprofits: Fund tracking, grant management, and FDIC coverage compared. - [Freelancer Banking](https://getholdings.com/compare/best-banks-freelancers) — Best Banks for Freelancers: Tax tools, invoicing, APY, and expense tracking compared. - [E-Commerce Banking](https://getholdings.com/compare/best-banks-ecommerce) — Best Banks for E-Commerce: Stripe, Shopify and Amazon integration compared. - [Church Banking](https://getholdings.com/compare/best-banks-churches) — 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](https://getholdings.com/compare/all-in-one-banking-accounting) — 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](https://getholdings.com/compare/chase) — Business banking. - [Bank of America](https://getholdings.com/compare/bank-of-america) — Business banking. - [Wells Fargo](https://getholdings.com/compare/wells-fargo) — Business banking. - [Mercury](https://getholdings.com/compare/mercury) — Startup banking. - [Bluevine](https://getholdings.com/compare/bluevine) — Online banking. - [Relay](https://getholdings.com/compare/relay) — Online banking. - [Novo](https://getholdings.com/compare/novo) — Online banking. - [Brex](https://getholdings.com/compare/brex) — Startup banking. - [Capital One](https://getholdings.com/compare/capital-one) — Business banking. - [PNC](https://getholdings.com/compare/pnc) — Business banking. - [US Bank](https://getholdings.com/compare/us-bank) — Business banking. - [Axos Bank](https://getholdings.com/compare/axos) — Online banking. - [SVB](https://getholdings.com/compare/svb) — Innovation banking. - [Found](https://getholdings.com/compare/found) — Freelancer banking. - [Lili](https://getholdings.com/compare/lili) — Freelancer banking. - [NorthOne](https://getholdings.com/compare/north-one) — Small business banking. - [Amex Business](https://getholdings.com/compare/amex-business) — Business checking. - [QuickBooks](https://getholdings.com/compare/quickbooks) — Accounting platform. - [FreshBooks](https://getholdings.com/compare/freshbooks) — Accounting platform. - [Xero](https://getholdings.com/compare/xero) — Accounting platform. - [Wave](https://getholdings.com/compare/wave) — Accounting platform. - [Bench](https://getholdings.com/compare/bench) — Bookkeeping service. - [Crowded](https://getholdings.com/compare/crowded) — Nonprofit banking. - [Aplos](https://getholdings.com/compare/aplos) — Nonprofit accounting. - [Wave vs QuickBooks](https://getholdings.com/compare/wave-vs-quickbooks) — Free vs paid accounting. - [QuickBooks vs Wave](https://getholdings.com/compare/quickbooks-vs-wave) — Accounting showdown. - [Springly](https://getholdings.com/compare/springly) — Nonprofit management. ## Best Banks by State State-by-state comparisons with local banks, credit unions, fees, and nonprofit banking requirements. - [Alabama](https://getholdings.com/compare/best-banks-small-business-alabama) — 8 banks compared. - [Alaska](https://getholdings.com/compare/best-banks-small-business-alaska) — 8 banks compared. - [Arizona](https://getholdings.com/compare/best-banks-small-business-arizona) — 8 banks compared. - [Arkansas](https://getholdings.com/compare/best-banks-small-business-arkansas) — 8 banks compared. - [California](https://getholdings.com/compare/best-banks-small-business-california) — 8 banks compared. - [Colorado](https://getholdings.com/compare/best-banks-small-business-colorado) — 8 banks compared. - [Connecticut](https://getholdings.com/compare/best-banks-small-business-connecticut) — 8 banks compared. - [Delaware](https://getholdings.com/compare/best-banks-small-business-delaware) — 8 banks compared. - [Florida](https://getholdings.com/compare/best-banks-small-business-florida) — 8 banks compared. - [Georgia](https://getholdings.com/compare/best-banks-small-business-georgia) — 8 banks compared. - [Hawaii](https://getholdings.com/compare/best-banks-small-business-hawaii) — 8 banks compared. - [Idaho](https://getholdings.com/compare/best-banks-small-business-idaho) — 8 banks compared. - [Illinois](https://getholdings.com/compare/best-banks-small-business-illinois) — 8 banks compared. - [Indiana](https://getholdings.com/compare/best-banks-small-business-indiana) — 8 banks compared. - [Iowa](https://getholdings.com/compare/best-banks-small-business-iowa) — 8 banks compared. - [Kansas](https://getholdings.com/compare/best-banks-small-business-kansas) — 8 banks compared. - [Kentucky](https://getholdings.com/compare/best-banks-small-business-kentucky) — 8 banks compared. - [Louisiana](https://getholdings.com/compare/best-banks-small-business-louisiana) — 8 banks compared. - [Maine](https://getholdings.com/compare/best-banks-small-business-maine) — 8 banks compared. - [Maryland](https://getholdings.com/compare/best-banks-small-business-maryland) — 8 banks compared. - [Massachusetts](https://getholdings.com/compare/best-banks-small-business-massachusetts) — 8 banks compared. - [Michigan](https://getholdings.com/compare/best-banks-small-business-michigan) — 8 banks compared. - [Minnesota](https://getholdings.com/compare/best-banks-small-business-minnesota) — 8 banks compared. - [Mississippi](https://getholdings.com/compare/best-banks-small-business-mississippi) — 8 banks compared. - [Missouri](https://getholdings.com/compare/best-banks-small-business-missouri) — 8 banks compared. - [Montana](https://getholdings.com/compare/best-banks-small-business-montana) — 8 banks compared. - [Nebraska](https://getholdings.com/compare/best-banks-small-business-nebraska) — 8 banks compared. - [Nevada](https://getholdings.com/compare/best-banks-small-business-nevada) — 8 banks compared. - [New Hampshire](https://getholdings.com/compare/best-banks-small-business-new-hampshire) — 8 banks compared. - [New Jersey](https://getholdings.com/compare/best-banks-small-business-new-jersey) — 8 banks compared. - [New Mexico](https://getholdings.com/compare/best-banks-small-business-new-mexico) — 8 banks compared. - [New York](https://getholdings.com/compare/best-banks-small-business-new-york) — 8 banks compared. - [North Carolina](https://getholdings.com/compare/best-banks-small-business-north-carolina) — 8 banks compared. - [North Dakota](https://getholdings.com/compare/best-banks-small-business-north-dakota) — 8 banks compared. - [Ohio](https://getholdings.com/compare/best-banks-small-business-ohio) — 8 banks compared. - [Oklahoma](https://getholdings.com/compare/best-banks-small-business-oklahoma) — 8 banks compared. - [Oregon](https://getholdings.com/compare/best-banks-small-business-oregon) — 8 banks compared. - [Pennsylvania](https://getholdings.com/compare/best-banks-small-business-pennsylvania) — 8 banks compared. - [Rhode Island](https://getholdings.com/compare/best-banks-small-business-rhode-island) — 8 banks compared. - [South Carolina](https://getholdings.com/compare/best-banks-small-business-south-carolina) — 8 banks compared. - [South Dakota](https://getholdings.com/compare/best-banks-small-business-south-dakota) — 8 banks compared. - [Tennessee](https://getholdings.com/compare/best-banks-small-business-tennessee) — 8 banks compared. - [Texas](https://getholdings.com/compare/best-banks-small-business-texas) — 8 banks compared. - [Utah](https://getholdings.com/compare/best-banks-small-business-utah) — 8 banks compared. - [Vermont](https://getholdings.com/compare/best-banks-small-business-vermont) — 8 banks compared. - [Virginia](https://getholdings.com/compare/best-banks-small-business-virginia) — 8 banks compared. - [Washington](https://getholdings.com/compare/best-banks-small-business-washington) — 8 banks compared. - [Washington, D.C.](https://getholdings.com/compare/best-banks-small-business-washington-dc) — 8 banks compared. - [West Virginia](https://getholdings.com/compare/best-banks-small-business-west-virginia) — 8 banks compared. - [Wisconsin](https://getholdings.com/compare/best-banks-small-business-wisconsin) — 8 banks compared. - [Wyoming](https://getholdings.com/compare/best-banks-small-business-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. - [Get started free](https://workspace.getholdings.com/) - [See how invoicing works](https://getholdings.com/invoicing)