Crew - The world's most powerful checking account
Crew helps you organize your money and stick to your budget with the most powerful bank account. Spend directly from your budget with pockets, program your money, and help your money grow faster.
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Hey Product Hunt! 👋
Crew is the banking experience we’ve always wanted but couldn’t find with the legacy banks.
Today we’re launching budgeting inside of Crew. These updates make it easy to set up and stick to a budget, because the budget lives inside your bank account:
✉️ Organize your money into pockets
⚡ Split your paycheck automatically
💳 Spend directly from your budget with a single card
That way you can stick to your budget without all the drama.
This is all built into an already powerful high-yield checking account:
📈 Earn 3.7% annual percentage yield (9x the national savings rate)
✨ Program your bank account with transfer/notification/webhook actions
💸 Free wire transfers if you have more than $50k in deposits
👪 Full family support with joint owners, child accounts, and allowance automation
All of this without a subscription or fees.
We’d love to hear your feedback! What do you wish your bank account could do?
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Crew is a financial technology company, not a bank. Banking services provided by Bangor Savings Bank, Member FDIC. The Crew Mastercard® Debit Card is issued by Bangor Savings Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted.
Annual Percentage Yield is variable and may change after account opening. The advertised 3.7% APY is accurate through Mar 31, 2025 and may change at any time. There is no minimum balance or deposit required to obtain the advertised APY. Fees may reduce your earnings on the account.
National average interest rate of 0.41% retrieved on Feb 26, 2025 from the FDIC National Rate Caps Home here, updated Feb 18, 2025.
Love it! What makes budgeting within the bank account different from a dedicated budgeting app or other service?
@scottew Great question
With budgeting apps, you're creating budgets for a representation of your money. You then have to hope you can stick to that budget outside of the app where you set it up. There's no controls or anything actually helping you keep your budget.
When you set up budgets in Crew, you're budgeting your actual money. You can then create powerful automations to help you stick to that budget (decline transactions over limits, automatically split incoming money between pockets, etc).
Have been a fan of crew from the beginning! The speed at which they ship new features is incredible - my entire family loves using crew!!!
@katrina_kennedy 🙏🙏🙏
Love having your family on board.
Pricing API for Walmart
@scott_evanson Love to hear it!! ❤️
Paintbrush
How is budgeting in Crew different than using something like Monarch/Origin/Copilot/YNAB?
@kaela_worthen Great question!
There are tons of great PFMs out there, and they work for a lot of families. The main complaints we hear from people are:
They require a good amount of manual work
They rely on bank linking, which breaks a lot
They're subscription supported
We believe that putting your budget inside your bank account can improve all these issues. We get more data since we're in the auth flow, we don't rely on brittle bank linking, and we can monetize the way banks monetize (on deposits and interchange).
Pluralsight
What does it cost?
@gilbertglee Crew is free! We make money on deposits and merchant fees.
All the best for the features this product hold and i observed while using my own savings and current accounts from different banking companies, features related to budget, program and grow are already providing by banking competitors except the savings and subscription + fee for all above (point).
@ajay27324 Hey Ajay, yeah a lot of what we do in Crew is available in point solutions or individual banking apps. Our goal is to simplify your finance stack and bundle all of these tools into a single, well thought out experience. Curious to hear what you think if you give it a try!
Horizonate
Freaking love it
@austinvach Love to hear it! 🙏 Grateful to have your family on board.
Amazing product getting better every week. My family loves it.
@thogge thanks sir! Love having you guys on board
My family's cash makes substantial returns each month, my kids allowance is automated, my budget is dynamically allocated from my paychecks.
This is the best app for family finances AND there is a negative switching cost... no brainer!
Thanks to the Crew crew 🙌
@isaaccorcoran love to hear it friend!!
Love this! Finally something built for families. How do timing and approvals work on wire transfers?
@tannerhp wire transfers sent before 4 PM ETA usually arrive same day! Thanks sir :)
This is great! I still miss the experience from Simple. Do you have any recommendations on when and how to start using Crew with kids? My daughter is still young enough that money makes a lot more sense to her when we give her physical currency, but it would definitely be easier for me if we could just use electronic transfers instead, and it would be nice to let her earn interest too. When would you recommend transitioning a child to a bank account?
@dnsbty great question, cash is easiest to visualize and it makes a ton of sense to start there. It's also critical to make the digital currency feel reel sooner than later, since that's the world they'll live in. I like a hybrid approach in the early years, where there's cash but you deposit it for safekeeping. And then transition to primarily digital over time.
Pretty cool idea. So is it like the old school "envelope" budget tactic?
@rhett_weller yeah the idea is that pockets + automation allows people to go as intense or light as they want for budgeting. Full envelope zero based budgeting, or just individual discretionary accounts.
Awesome update! Which part of the Crew update are you personally most excited about?
@trentmano I'm really excited about the flexibility that comes from connecting spending pockets and automation. We can support a huge range of spending modes and budgeting methodology. Excited to make this easier for folks. :)
This is really cool. Does link to other banks? For example, I want to track my IRAs to get a full picture of finances. Other credit cards to track individual purchases?
Would switch from Monarch immediately if so.
If not, is that how you see the future, or are you opinionated on the closed ecosystem approach so you get that "it just works" effect from the beginning?
@brice_douglas great question. There are tons of great PFM options out there (origin, monarch, copilot etc). Not sure the world needs more of that.
We're eager to replace and consolidate your full finance stack. Hope to launch a charge card that lets you spend directly from your budget and brokerage accounts to automate your finances all the way through!
Excited to see the new update, and love the rates.
As a Financial Professional, I am always looking for things to help clients achieve goals. I love educating clients about Crew and how it may be able to help them achieve cash flow goals. Thanks for making an enjoyable product. *not advice
Upvoted! Love the team and been impressed to see what you've built and how quickly you incorporate customer feedback and ship updates.