Modern business finance starts here.
Earn up to 3.65% on deposit balances up to $1,000,000 and access millions in aggregate FDIC insurance across network banks.† High-yield banking, bill pay, and a whole lot more.
* This account is an interest-bearing deposit account that earns interest based on a tiered rate structure. The interest rates and corresponding Annual Percentage Yields (APYs) are effective as of 6/6/2025 and determined by the balance maintained in the account each day. Interest is compounded daily and credited monthly. Interest rates may change at any time at our discretion. See the Rate Sheet for the tiered rates.
Crescent Financial Inc. is a financial technology company, not an FDIC-insured depository institution. Banking services are provided by OMB Bank and Grasshopper Bank, N.A., Members FDIC.
†Subject to the terms of the applicable ICS Deposit Placement Agreement, OMB Bank and Grasshopper Bank, N.A. will place deposits at FDIC-insured institutions through IntraFi’s ICS service. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply. To meet the conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage.
Trusted by hundreds of leading companies
Supercharge your company’s growth with industry-leading rates (up to 3.65% annual percentage yield*)
*Issued APY rate as of 6/6/2025 is up to 3.65% APY. APY and interest rates are subject to change.
1 As of 6/24/25 https://www.bankofamerica.com/smallbusiness/deposits/savings-accounts/business-advantage-savings/
2 As of 6/24/25 https://www.chase.com/personal/savings/savings-account/interest-rates
3 As of 6/25/25 https://www.wellsfargo.com/biz/savings/rates/
4 National savings rate comparison as of 6/24/25 from https://www.fdic.gov/national-rates-and-rate-caps
Fast, flexible, free payments.
You choose the method—Real-Time Payment (RTP)1, same-day ACH, wire, or check2. We make it seamless.
1 Real-Time Payments is a USD-only instant payment service developed by The Clearing House. It reaches roughly 65% of US depository accounts. The RTP network is always available, excepting scheduled downtime for maintenance. Transactions are confirmed by receiving institutions in real-time.
2 If the order is provided before 2:30 ET
Your command center for modern cash flow.
Everything your team needs to stay secure and in sync.
Team-Based Permissions
Define access by role, team, or entity so everyone sees and does exactly what they need—no more, no less.
MFA Login
Multi-factor authentication through an app of your choice for enhanced account security.
Dedicated support
24/7 dedicated support via phone, text, email, Slack, or Teams.
Notification alerts
Email alerts to help you stay informed on everything that’s going on.
Wall of love
“Anytime I reach out to Crescent’s team with a question, I'll get an email back within 15 minutes max, letting me know they're on it. That kind of personal service is rare in any industry.”
“Crescent is a better solution than the tools that traditional banks provide. Larger banks haven’t provided commercial business customers the level of service and offerings that they should. It’s clear: Crescent will disrupt that space.”
"As a nonprofit, it's part of your fiduciary responsibility to make the most of your savings, and Crescent Cash helps you do just that."
"Having access to principal capital is always advantageous, but it's even greater now, knowing we have a fintech partner to help mitigate financial risk and grow that capital."
“Our fee structures across checking, savings, and credit cards at our previous bank were extremely complex. I knew I wanted something different.”
“Crescent is a no-brainer for any early startup that needs to protect cash while growing it.”
“Anytime I reach out to Crescent’s team with a question, I'll get an email back within 15 minutes max, letting me know they're on it. That kind of personal service is rare in any industry.”
“Crescent is a better solution than the tools that traditional banks provide. Larger banks haven’t provided commercial business customers the level of service and offerings that they should. It’s clear: Crescent will disrupt that space.”
"As a nonprofit, it's part of your fiduciary responsibility to make the most of your savings, and Crescent Cash helps you do just that."
"Having access to principal capital is always advantageous, but it's even greater now, knowing we have a fintech partner to help mitigate financial risk and grow that capital."
“Our fee structures across checking, savings, and credit cards at our previous bank were extremely complex. I knew I wanted something different.”
“Crescent is a no-brainer for any early startup that needs to protect cash while growing it.”
“Anytime I reach out to Crescent’s team with a question, I'll get an email back within 15 minutes max, letting me know they're on it. That kind of personal service is rare in any industry.”
“Crescent is a better solution than the tools that traditional banks provide. Larger banks haven’t provided commercial business customers the level of service and offerings that they should. It’s clear: Crescent will disrupt that space.”
"As a nonprofit, it's part of your fiduciary responsibility to make the most of your savings, and Crescent Cash helps you do just that."
"Having access to principal capital is always advantageous, but it's even greater now, knowing we have a fintech partner to help mitigate financial risk and grow that capital."
“Our fee structures across checking, savings, and credit cards at our previous bank were extremely complex. I knew I wanted something different.”
“Crescent is a no-brainer for any early startup that needs to protect cash while growing it.”
Sync your books without lifting a finger.
Crescent integrates directly with your accounting tools—feeding clean, real-time data into the platforms you already use. Save time, reduce errors, and close your books faster every month.
Invest in Treasury Bills & Money Markets—without switching platforms.
Access high-yield brokerage products held in custody with the world’s largest custodian — BNY Mellon Pershing — in seconds, within the same Crescent platform.
These investment products are: Not insured by the FDIC; Not a deposit or other obligation of, or guaranteed by, OMB Bank or Grasshopper Bank; and Subject to investment risks, including possible loss of the principal amount invested.
Advisory services are offered through Atomic Invest LLC (“Atomic Invest”), an SEC-registered investment advisor, member SIPC. Atomic Invest was previously known as Helium Advisors LLC. Brokerage services are provided by BNY Mellon Pershing, member SIPC, through a clearing and custody relationship with Atomic Invest. Atomic Invest manages and executes investments on behalf of customers.*T-Bill rates are sourced from treasury.gov... June 2025 52 week coupon equivalent rate yield.
Enterprise-grade security for your peace of mind.
Protection built into every layer of your finances. We protect your users, your payments, and your assets—by default.
Technology that gives you speed, visibility, and control.
