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Crew at a Glance
| Our Rating | 4.1 / 5 |
|---|---|
| Best For | People wanting high-yield checking with built-in budgeting |
| Bank Partner | Bangor Savings Bank, Member FDIC |
| Monthly Fee | None |
| Advertised APY | About 3.2% variable at last check |
What Is Crew?
Crew combines a checking account with budgeting tools: separate pockets for goals, reserves for upcoming bills, and the ability to split paychecks. It also offers kids debit cards and a Mastercard credit card issued by Celtic Bank.
Banking services come from Bangor Savings Bank, with deposits insured up to FDIC limits.
Pros & Cons
Pros
- Competitive variable APY on checking balances
- No monthly fee or minimum balance
- Budgeting pockets and paycheck splitting
- FDIC insurance through the partner bank
Cons
- Crew is a fintech, not a bank, so relies on a partner bank
- APY is variable and can change
- Cash deposits beyond the free allowance carry a fee
How Crew Works
Open an account
Apply in the app and fund the account.
Set up pockets
Create pockets and bill reserves.
Split paychecks
Direct deposit and route portions automatically.
Safety & What to Know
The advertised APY is variable and may change; verify the current rate before opening.
FDIC insurance applies to the partner bank deposits up to the stated limits, not to the fintech itself.
Crew Pricing
| Monthly fee | None |
|---|---|
| Minimum balance | None |
| Wire transfers | $20 under $50,000 |
| Cash deposits | First 12/year free, then $3.95 each |
Fees and rates are from the provider site at time of review and may change.
Who Crew Is For
A good fit if you
- You want yield on everyday cash
- You like envelope-style budgeting
Look elsewhere if you
- You deposit cash often
- You prefer a traditional branch bank
How Crew Compares
Empower focuses on wealth tracking and advisory rather than daily banking. See the Best Digital Banking and Wealth Apps.
Frequently Asked Questions
Our Verdict
★ 4.1 out of 5
Crew is a strong high-yield checking option with useful budgeting tools. Confirm the live APY and fee schedule.
See the full Best Digital Banking and Wealth Apps ranking →
Reviewed by
Sarah MitchellSenior Finance Editor
Sarah Mitchell is a certified financial planner with 12 years of experience covering personal finance, credit cards, and investment products. She has been quoted in The Wall Street Journal, Forbes, and Bloomberg. Sarah holds a CFP designation and an MBA from Wharton. She tests every financial product she reviews and consults with independent financial advisors to ensure accuracy.