Filgifts.com

What Filgifts.com does

Crew Finance, Inc., operating as Crew, is a US financial technology company founded in 2022 that delivers a mobile-first banking and budgeting application. The product combines a high-yield checking account (2.95% APY on all deposits, advertised through July 31, 2026) with automation features including Pockets for goal/expense sub-accounts, Autopilot for paycheck splitting, Bill Reserve, Safe-to-Spend calculation, authorization-flow transaction controls, virtual cards, and household account management for partners and children. Banking services and the Crew Mastercard debit card are provided through a partnership with Bangor Savings Bank (Member FDIC) under license from Mastercard International Incorporated. The platform is distributed exclusively through the iOS App Store and Google Play Store via a product-led growth model with no subscription fees, no minimum balance requirements, and no field sales motion.

Revenue is generated solely from interchange fees on debit card transactions and interest spread on deposits held at the partner bank. The customer base spans individual consumers seeking budgeting automation, parents using kid debit cards with parental approval controls, and couples coordinating household finances. The company is privately held with 9 disclosed employees, US-only operations, no disclosed funding rounds, and no disclosed ownership structure. Note: the input was nominally attributed to "Filgifts.com," but all substantive source material describes Crew Finance, Inc.

Name

Filgifts.com

Legal name

Crew Finance, Inc.

Website

https://filgifts.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Crew Finance (DBA Crew) is a US mobile fintech offering a free high-yield checking account with built-in budgeting automation — including Pockets, Autopilot paycheck splitting, Bill Reserve, and household accounts — for individual consumers, families, and couples, monetizing via interchange and deposit interest spread.

Ownership category

akta.pro rank

Product category

Mobile Banking

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Budgeting & Cash-Flow Management (FSAGADAA)

Keywords

• Mobile banking
• Personal finance management
• High-yield checking
• Automated budgeting
• Family finance tools

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Interchange Fees: Crew earns interchange fees paid by merchants whenever customers use their Crew Mastercard debit card for purchases.
2. Deposit Interest Spread: Crew earns revenue from deposits held at partner bank Bangor Savings Bank, generating interest spread income.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Filgifts.com (Crew) operates a mobile-first personal banking and budgeting platform that combines a high-yield checking account (2.95% APY on all deposits) with automated financial management tools. The app offers Pockets for goal- and category-based budgeting, Autopilot for automatic paycheck splitting, Bill Reserve to set aside funds for upcoming bills, virtual debit cards, and household account management for partners and children. Banking and card issuance are provided through partnerships with Bangor Savings Bank (Member FDIC) and Mastercard, while Crew supplies the technology interface and user experience.

Product overview

Crew is a single, unified financial technology platform combining mobile banking with automated budgeting tools. The core Crew App integrates a high-yield checking account with features like Pockets for budget allocation, Bill Reserve for bill management, Autopilot for automated savings, virtual cards, and automatic allowance features for children. The platform offers a Crew Mastercard Debit Card as a physical payment option.

Differentiator

Problem solved

Functional benefit

Products and services

• Crew App Mobile banking and budgeting application for individual consumers that combines a high-yield checking account (2.95% APY on all deposits) with automated financial management tools. Available on iOS and Android with in-app account creation and bank linking; no subscription fees and no minimum balance required.
• Crew Mastercard Debit Card Mastercard debit card (physical and virtual) tied to a Crew checking account, accepted anywhere Mastercard is taken. Physical cards are mailed to users; virtual cards are generated in-app for online transactions and can be configured with parental-controlled spending limits for children.

Quantifiable outcome

• Users report coming out $1,500 ahead in a single month using bill pockets feature

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

One partnership is on record.

• Mastercard International IncorporatedcoreTechnology or IntegrationThe Crew Mastercard Debit Card is issued pursuant to license from Mastercard International Incorporated. Cardholders can spend anywhere Mastercard is accepted. The partnership enables global debit card acceptance and processing through the Mastercard network.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Empower Personal Dashboard: Empower (formerly Personal Capital) provides a personal finance dashboard with budgeting, net worth tracking, and cash management. It overlaps with Crew on the budgeting/personal finance management layer and competes for engaged consumer finance users.
• PocketGuard: PocketGuard is a budgeting app that links bank accounts and tracks spending against categories, similar to Crew's Pockets feature. It does not offer its own deposit account but is comparable on the personal-finance-management side of Crew's value proposition.

Broad incumbents

• SoFi: SoFi is a broad incumbent digital financial services platform offering checking, high-yield savings, lending, and investing. It overlaps with Crew on high-yield deposit products and mobile-first banking, but with a much wider product portfolio and FDIC-chartered bank.
• Marcus by Goldman Sachs: Marcus is Goldman Sachs' consumer banking arm, offering high-yield savings and personal loans. It competes for the same yield-focused deposit customers as Crew but lacks a budgeting/PFM overlay.
• Ally Bank: Ally is a large direct bank offering high-yield savings, checking, and investing with strong digital UX. It competes with Crew for high-yield-seeking deposit customers but does not specialize in pocket-based budgeting automation.

Direct peers

• Greenlight: Greenlight is a debit card and financial app for kids and families with parental controls, allowance automation, and spending limits. It directly parallels Crew's family/teen account and Automatic Allowance features, and competes for the same parent-with-children segment.
• Varo Bank: Varo is a digital bank offering high-yield savings, a no-fee checking account, and budgeting tools. It competes with Crew on the high-yield/no-fee mobile banking value proposition and on automation-driven budgeting.
• Current: Current is a US fintech providing a mobile checking account with budgeting features, savings pods, and a debit card. It overlaps directly with Crew's pocket-based budgeting, bill reserves, and household account capabilities, and serves a similar consumer segment.
• Chime: Chime is a leading US neobank offering a fee-free mobile checking account, high-yield savings, and early direct-deposit features. It is directly comparable to Crew because both target consumers with no-fee mobile banking plus budgeting and savings automation, monetizing via interchange and deposit spread.
• Dave: Dave is a banking app offering an ExtraCash advance, budgeting tools, and a debit card aimed at helping consumers avoid overdrafts. It is comparable to Crew because it bundles budgeting/personal-finance management with a deposit account and debit card.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/filgifts-com

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Filgifts.com