Crew
Crew Finance is a US consumer fintech offering an FDIC-insured high-yield checking account with built-in proactive budgeting automation (Autopilot paycheck splitting, Bill Reserve, and Pockets sub-accounts) plus family banking features for households, distributed via a mobile app and a financial-coach affiliate program.
- Company typePrivate
- Founded2023
- HeadquartersLehi, United States
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Crew does
Crew Finance, Inc. is a Utah-based financial technology company founded in 2023 by former Divvy executives Gentry Davies (CEO) and Steve Domino. The company offers a mobile-first banking platform that integrates an FDIC-insured high-yield checking account (currently advertised at 2.95% APY) with proactive budgeting automation, distributed through a banking-as-a-service partnership with Bangor Savings Bank and Mastercard rails. Core product components include unlimited sub-account "Pockets" that each earn high-yield APY, "Autopilot" for automated paycheck splitting, "Bill Reserve" for cross-cycle cashflow optimization, virtual and physical debit cards with pocket-switching, and family banking features covering child debit cards, automated allowances, and parental spending controls.
The platform is delivered through iOS and Android apps with a self-serve onboarding flow that takes under five minutes, supplemented by an affiliate program targeting financial coaches and content creators who earn commissions for referred funded accounts. Revenue is generated from net interest margin on deposits held at Bangor Savings Bank and standard interchange fees on debit card transactions; there are no subscription fees or minimum balance requirements. The company operates exclusively in the United States, has 1-10 employees, and has raised approximately $6.3M across a $2.5M pre-seed round in January 2024 (led by Kickstart Seed Fund) and a $3.8M seed round in November 2025 (co-led by Capital Eleven and Kickstart Fund). Disclosed traction signals include 472% year-over-year growth in funded accounts, 99% user satisfaction across app store reviews, and 95.8% lifetime customer retention.
Crew firmographics
Firmographics- Name
- Crew
- Legal name
- Crew Finance, Inc.
- Website
- https://trycrew.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Crew Finance is a US consumer fintech offering an FDIC-insured high-yield checking account with built-in proactive budgeting automation (Autopilot paycheck splitting, Bill Reserve, and Pockets sub-accounts) plus family banking features for households, distributed via a mobile app and a financial-coach affiliate program.
- Ownership category
- akta.pro rank
Crew industry classification
Industry- Product category
- Digital Banking Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industry
- Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
Keywords
Where Crew is headquartered
LocationHeadquarters
- HQ city
- Lehi
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Crew business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Net Interest Margin: Crew earns interest on customer deposits held at Bangor Savings Bank and passes a portion back to customers as APY, retaining the spread as revenue.
- Interchange Fees: Standard interchange fees paid by merchants whenever customers use their Crew debit card for purchases.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free tier with high-yield checking |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Crew product offering
Product offeringCore offering
Crew offers an FDIC-insured high-yield checking account (currently 2.95% APY) with built-in proactive budgeting automation. The product combines automated paycheck splitting, unlimited sub-account "Pockets" that each earn high-yield interest, and Bill Reserve cashflow optimization. Family banking features include joint accounts, child debit cards, and parental spending controls.
Product overview
Crew is a financial technology company that offers a unified banking platform combining a high-yield checking account with built-in budgeting tools. The core product is the Crew High-Yield Checking Account (currently 2.95% APY), which integrates directly with Pockets for money organization, Autopilot for automated paycheck splitting, and Bill Reserve for bill management. Family banking features extend the platform to household financial management with child accounts, debit cards, and allowances. The company provides physical and virtual debit cards through Bangor Savings Bank and Mastercard, with all funds in all pockets earning high-yield interest. Crew earns revenue from deposit interest at their partner bank and standard interchange fees.
Differentiator
Problem solved
Functional benefit
Products and services
- Crew High-Yield Checking Account The core product: an FDIC-insured high-yield checking account (2.95% APY as of May 2026) that integrates budgeting directly into the account via Pockets, Autopilot paycheck splitting, and Bill Reserve. Targets individual consumers and families seeking automated money management without subscription fees.
- Crew Family Banking Household-level banking feature allowing partners to share joint accounts with shared and individual pockets, and parents to manage children's accounts with debit cards, automated allowances, spending rules, and parental purchase approval controls.
- Crew Mastercard Debit Card Physical Mastercard debit card issued through Bangor Savings Bank that can be linked to specific Pockets and switched between pockets in real time at the point of sale. Used by both adults and children via parental-controlled versions.
- Crew Mobile App iOS and Android mobile application serving as the primary interface for the Crew banking platform. Includes account management, pocket organization, transaction history, bill tracking, virtual card management, and family account controls. Account opening typically completes in under 5 minutes.
- Crew Affiliate Partnership Program Affiliate and influencer marketing program targeting financial coaches, influencers, and mission-driven content creators. Partners earn $25 per funded account plus bonuses for balance milestones, and receive unique referral codes and promotional assets. Designed for individuals seeking to help others with financial freedom.
Quantifiable outcome
- Users report coming out $1,500+ ahead monthly by using bill pockets
- +3 more outcomes
Companies that use Crew
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
Crew technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Crew partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Bangor Savings BankcoreBanking services partner providing FDIC-insured deposit accounts for Crew customers. Bangor Savings Bank is a mutually-held community bank with over 170 years of history, providing Crew access to established banking infrastructure and regulatory compliance.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Crew competitors and assessment
Company assessmentDirect peers
- Wealthfront: Robo-advisor with a high-yield cash account offering competitive APY and automated saving rules. Comparable to Crew on high-yield checking economics and automated budgeting, though investing-led.
- Empower: Personal finance app with cash management, budgeting, and automated saving features targeting similar budget-conscious demographics. Overlaps with Crew's budgeting-first value proposition and customer profile.
- Current: US digital bank offering a high-yield checking account, sub-account 'pods', and built-in budgeting features. Closest direct comparable to Crew's product positioning, especially around pocket-based money organization and proactive spending controls.
- Greenlight: Family-focused banking platform with debit cards for kids, parental controls, allowances, and educational tools. Direct competitor in the household banking segment that Crew explicitly targets.
- Step: Teen and family banking platform with FDIC-insured accounts, parental oversight, and financial education. Directly competes for Crew's parent/child banking use cases and similar demographic.
- One Finance: Consumer fintech offering high-yield checking with sub-account 'pods' and automated saving features. Overlaps strongly with Crew's pocket architecture and high-yield positioning.
- Varo: US digital bank with high-yield savings, early direct deposit, and budgeting features targeting budget-conscious consumers. Direct peer in Crew's primary customer segment with overlapping feature set.
Broad incumbents
- Chime: Large US neobank with checking, savings, and secured credit products serving tens of millions of customers. Competes with Crew on high-yield checking but at much broader scale and with a wider product portfolio.
- SoFi: Comprehensive consumer fintech platform spanning checking, savings, lending, investing, and credit cards. Competes across Crew's product surface but offers a much broader suite and operates as a chartered bank.
Regional players
- Monzo: UK-based digital bank with 'Pots' sub-accounts and 'Salary Sorter' auto-splitting—features that map nearly one-to-one to Crew's Pockets and Autopilot. Not direct geographic competitor but the closest international product analogue.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Crew social profiles
Digital presenceCrew compliance and trust
Trust signalCompliance1 record
Crew financial estimates
Financial estimateRevenue estimate
Valuation estimate
Crew leadership team
Management profileNumber of profiles
Profiles2 records
Crew funding detail
Funding detailFunding overview
Funding rounds2 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Crew M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Crew
What does Crew do?
Crew offers an FDIC-insured high-yield checking account (currently 2.95% APY) with built-in proactive budgeting automation. The product combines automated paycheck splitting, unlimited sub-account "Pockets" that each earn high-yield interest, and Bill Reserve cashflow optimization. Family banking features include joint accounts, child debit cards, and parental spending controls.
Is Crew a public or private company?
Crew is a private company. It is classified as venture growth investor backed and is currently operating.
When was Crew founded?
Crew was founded in 2023. It employs 1 to 10 people.
Where is Crew based?
Crew is headquartered in Lehi, United States, in the North America region.
How does Crew make money?
Two revenue lines are on record. Net Interest Margin is the primary driver. The others are interchange Fees.
Who are Crew's main competitors?
Direct peers on record are Wealthfront, Empower, Current, Greenlight, Step, One Finance and Varo. Broad incumbents are Chime and SoFi. Monzo is listed as a regional player.
Does Crew have an API?
No public API is recorded for Crew.
What industry is Crew in?
Crew's product category is Digital Banking Platform. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of FSABAIAB, Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards). Its NAICS code is 52232 and its SIC code is 6199.