Crew

Crew (Crew Finance, Inc.) is a Lehi, Utah–based financial technology company that combines checking, savings and budgeting into a single consumer mobile app. Crew is not a bank; banking services are provided by Bangor Savings Bank, Member FDIC, and the Crew Mastercard debit card is issued by Bangor Savings Bank. Deposits are FDIC insured up to $250,000 for individual accounts and $500,000 for joint accounts.

The core of the product is a set of "pockets" — unlimited sub-balances that a user divides deposits into to mirror a budget. Rather than categorizing spending after the fact, Crew places budgeting controls before and during card authorization, so transactions can be declined and money can be reserved for scheduled bills. Features include paycheck automation that splits deposits into pockets by percentage or fixed amount, a debit card that can switch which pocket it spends from, virtual cards with per-bill monthly limits, Bill Reserve, transaction rules, and an Autopilot function that sets aside money based on pay dates, bill due dates and goals. All funds earn the same high-yield rate whether allocated to saving or spending pockets, and there is no subscription, account fee or minimum balance.

Crew also supports household use: partners and children can be added to an account, with allowances, parental-controlled debit cards and approval requirements for purchases above a set amount. The app is distributed nationwide via the App Store and Google Play.

Founding story

Crew was founded by former product leaders at Divvy, a business charge card company. Co-founders Gentry Davies (CEO) and Steve Domino (Head of Engineering) were leaders at Divvy, where the company scaled from $10 million to over $400 million in revenue before its $2.5 billion acquisition by Bill.com; the founding team cites that experience with risk, compliance, scale and bank partnerships as the basis for building Crew.

Business model

Consumer deposit account distributed directly through a mobile app, with banking and card issuance provided by a partner bank (Bangor Savings Bank). There is no subscription, account-opening or minimum-balance fee; a limited set of transactional fees apply, including $20 for wire transfers on balances under $50,000, a $3.95 charge for cash deposits beyond the first 12 per year, and no ATM fees with reimbursement of the first 20 provider ATM fees per year.

Crew states that it earns money from deposits held at its partner bank and from interchange fees paid by merchants when customers use their card, rather than from subscriptions.

Traction

At the time of its November 2025 seed announcement, Crew reported doubling both daily active users and debit card transaction volume in the prior month. As of 05/20/26 the company reported a 4.9 App Store rating, a 4.8 Google Play rating and 99% of app reviews at four or five stars. The company's site describes thousands of users.

Latest developments

In November 2025 Crew closed a $3.8 million seed round co-led by Capital Eleven and Kickstart Fund and was advertising a 3.2% APY checking account with a promotional 0.5% APY boost for new sign-ups. Later company materials list a 2.95% APY on all deposits as of 05/20/26.