Crew review
Updated September 30, 2026 · VaultCue Editorial Team · Facts checked September 30, 2026
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Our verdict
Crew suits savers who want flexible access with United States ACH links and help centre support, paired with joint account use and card spending without conversion charges. The account pays interest at 2.95% on a variable basis with $0 to hold and 0% conversion cost.
Key facts
- Best for
- Savers seeking flexible access with United States ACH links and help centre care
- Monthly fee
- $0↗
- Currency conversion fee
- 0%↗
- Local account details
- Us-ACH↗
- Transfer fee
- $20 wire, free ACH↗
- Legal entity
- Crew Finance, Inc.↗
- Headquarters
- United States↗
- Support channels
- Help-centre↗
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals, Joint account, Digital-only
- Official website
- trycrew.com
Savings
- Headline rate
- 2.95%↗
- Rate type
- Variable↗
- Minimum deposit
- $0↗
- Access terms
- No minimum balance, open access↗
- Account kind
- Easy access↗
Facts checked September 30, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedIninstagram.com
Pros and cons
Pros
- Card conversion stays at 0%, below Oney at 1% for your trips
- Account upkeep stays at $0, matching Bit2Me at €0 and bunq at €0
- Return sits at 2.95% on variable terms for easy access saving
- Joint account use and ATM access come through free ATM, joint account and digital only for shared goals
Cons
- Support runs on help centre only, which shapes how you seek care
- Rate terms stay variable at 2.95%, so your return can adjust over time
- Local links centre on us ACH only, which shapes how you move funds
Who it suits
- Savers who want flexible access with joint account use and ATM access for daily needs
- Spenders who want card use without conversion cost and ACH links for domestic moves
Who should look elsewhere
- If you want phone or chat care rather than help centre only, bunq may suit your style better
- If you want wider currency routes beyond United States ACH links, Oney may suit your plans better
Using it day to day
You manage Crew around United States payment links through us ACH, which keeps routine moves centred on domestic routes that suit pay, transfers and shared budgeting. Your control stays online, with joint account use available for household planning and ATM access for cash needs when cash suits your spending. Care for queries runs through help centre, so you look up guides and answers when you need direction on access, moves or account settings. That structure suits savers who prefer self serve control and who stay within United States transfer paths for most activity. You plan deposits, withdrawals and shared spending around those links, while help centre material supports each stage of use. Your routine can blend saving with spending, keeping funds available while relying on us ACH for domestic movement and on help centre for steady guidance whenever questions arise.
Rates and terms
Crew pays a return at 2.95% for balances held in the account, giving you ongoing growth while you retain access to funds for near term aims. Terms apply on a variable basis, so your rate can adjust over time in line with market moves and provider decisions. That variable nature means your return may rise or fall while your access stays flexible for deposits and withdrawals. You can keep savings available for planned spending, for holding funds between transfers, or for building a buffer that remains within reach. Your planning should allow for change in the return linked to variable terms, while valuing the freedom tied to a rate at 2.95%. You watch the rate, keep contributions steady, and use flexible access to match saving with daily needs without locking funds away.
Fees and currency costs
You pay $0 to hold the account, which keeps upkeep clear of recurring charges for your budgeting across months. Card conversion for spending stays at 0%, so purchases in other currencies avoid added conversion cost at the point of use during travel or online orders. Transfers fall under $20 wire, free ACH, giving you an ACH route for routine moves and a stated charge for wires when you need distinct handling or timing. That mix suits domestic savers who mainly use ACH and card payments while keeping wire use occasional. You weigh wire use against ACH timing, keeping routine transfers within the lower cost route. Your view of costs stays tied to $0 for upkeep, to 0% for card conversion, and to $20 wire, free ACH for the choice between ACH and wire movement.
Where it sits among rivals
On currency conversion cost, Crew sits at 1 among 238 brands, reflecting conversion that keeps card spending clear of added margin for everyday purchases. On monthly upkeep, Crew sits at 1 among 354 brands, reflecting an account with no recurring charge to hold across time. Those placements show a profile centred on low routine costs rather than on added perks tied to broader currency or branch features. You compare that stance against rivals that add conversion charges or monthly upkeep for account use. Your choice rests on valuing upkeep and conversion savings over wider networks. The ranks at 1 among 238 brands and at 1 among 354 brands frame Crew as a cost focused option for flexible saving with domestic links.
Who runs it
Crew is offered by Crew Finance, Inc. under Crew Finance, Inc., giving you a clear operator name for checks before opening. The base is in the United States under US, which aligns with ACH centred transfer patterns and a domestic focus for savers. Care for account queries runs through help centre, so you rely on written guides and help material for support across access, moves and settings. That setup suits savers who are comfortable with digital only care from a United States provider tied to Crew Finance, Inc.. You review operator details in Crew Finance, Inc., note the base in the United States, and set expectations around help centre for service. Your decision can rest on a clear operator, a domestic base, and online care that supports flexible saving.
How Crew compares
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Where Crew is available
- Available
- United States
Countries from the brand (Source, checked September 30, 2026)
Frequently asked questions
What does Crew cost to hold and use+
You pay $0 to hold the account, with card conversion at 0% for spending in other currencies. Moves fall under $20 wire, free ACH, so ACH transfers stay free while wires carry a stated charge for handling.
How does the Crew return work+
Crew pays 2.95% on variable terms for easy access balances held in the account. Your rate can move over time with market shifts and provider decisions, so your return may rise or fall while access remains open.
Is there a minimum to open or hold Crew+
You can open with $0 and keep flexible access shaped by No minimum balance, open access for your balance. Access stays open for deposits and withdrawals, so you can add funds or take funds out without meeting a threshold.
How do you move funds in and out+
Crew provides local links through us ACH for transfers and pay activity in the United States. Moves fall under $20 wire, free ACH, so you can choose between ACH routes for routine moves and wire routes when distinct handling suits your plans.
How do you get help with Crew+
Care runs through help centre for your queries about access, moves and account control. You can search guides and answers there at your own pace, which suits savers who prefer self serve help over phone or chat routes.
Who suits Crew and who should look elsewhere+
Crew suits you if you want joint account use and ATM access from free ATM, joint account and digital only within a digital only setting for shared goals. If you want branch care or wider local details across markets, bunq or Oney may suit your style better.
Sources
- trycrew.com checked September 30, 2026
Backs: Account kind, Headline rate, Legal entity, Minimum deposit, Monthly fee, Rate type
“Crew is the only high-yield checking account”
- trycrew.com/contact checked September 30, 2026
Backs: Headquarters
“Lehi, UT 84303”
- trycrew.com/credit-card checked September 30, 2026
Backs: Currency conversion fee
“no currency conversion fees - Crew Card”
- trycrew.com/faq checked September 30, 2026
Backs: Access terms, Features, Local account details, Pricing model, Support channels, Transfer fee
“There is no minimum balance to open or maintain an account.”
Compiled from 4 source pages, checked September 30, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currencies.