0.57
0.25
0.1
3.6
3.65

Modern business finance starts here.

Earn up to 3.65% annual percentage yield* and access millions in aggregate FDIC insurance across network banks. High-yield banking, bill pay, and a whole lot more.

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FDIC Insured
No monthly service charge
Simple finance controls

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

High Yield Checking Accounts

High yield and protection—with zero tradeoffs.

Book a free demo
Earn a competitive yield
Keep your funds safe with access to millions in FDIC insurance
Access funds quickly

Supercharge your company’s growth with industry-leading rates (up to 3.65% annual percentage yield*)

Return on Investment
$2,500,000
$32,509 (12.2%)
$
1
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All Annual percentage yield’s offered here are as of May 1, 2025. APY may change at any time.

Modern Business Payments

Fast, flexible, free payments.

You choose the method—Real-Time Payment (RTP)1, same-day ACH, wire, or check2. We make it seamless.

Get started

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

Platform Features

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.

Client Testimonials

Wall of love

Joshua Pozmantir
VP of Finance — Ripcord

“Our fee structures across checking, savings, and credit cards at our previous bank were extremely complex. I knew I wanted something different.” ­

Brooks Humphreys
Co-Founder — DataFlik

"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."

Melanie Arnold
VP of Finance — Billy

 “Crescent is a no-brainer for any early startup that needs to protect cash while growing it.” ­

Ronak Bhatt
Founder and Chancellor — Telra Institute

"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."

Brian Durst
Founder, Chairman, and CEO — Tribe 9 Foods

“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.”

Graham Huff
President & CEO — Fulton Education Foundation

“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.”

Ronak Bhatt
Founder and Chancellor — Telra Institute

"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."

Melanie Arnold
VP of Finance — Billy

 “Crescent is a no-brainer for any early startup that needs to protect cash while growing it.” ­

Brian Durst
Founder, Chairman, and CEO — Tribe 9 Foods

“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.”

Joshua Pozmantir
VP of Finance — Ripcord

“Our fee structures across checking, savings, and credit cards at our previous bank were extremely complex. I knew I wanted something different.” ­

Brooks Humphreys
Co-Founder — DataFlik

"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."

Graham Huff
President & CEO — Fulton Education Foundation

“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.”

Joshua Pozmantir
VP of Finance — Ripcord

“Our fee structures across checking, savings, and credit cards at our previous bank were extremely complex. I knew I wanted something different.” ­

Ronak Bhatt
Founder and Chancellor — Telra Institute

"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."

Brooks Humphreys
Co-Founder — DataFlik

"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."

Brian Durst
Founder, Chairman, and CEO — Tribe 9 Foods

“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.”

Melanie Arnold
VP of Finance — Billy

 “Crescent is a no-brainer for any early startup that needs to protect cash while growing it.” ­

Graham Huff
President & CEO — Fulton Education Foundation

“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.”

View the impact on our clients
Browse customer stories
Accounting Integrations

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.

Real-time bank feed sync
Accurate, attribution-ready data
Crescent pushes transaction data automatically
Supports multi-entity
Start Investing Today

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.

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.*[rate-t-bills] is sourced from treasury.gov [current-month] 2023 52 week coupon equivalent rate yield.

Modern business banking

Enroll today to start earning on your cash.

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Layered Security

Bank grade security for your peace of mind.

Intelligent security at every step of your financial operations.

We protect your users, your payments, and your assets—by default.

Account Protection
Role-based permissions, multi-factor authentication, and alerts help you stay in control and minimize risk.
Secure Payments & Controls
Set rules for who can spend, how much, and on what. Enable dual approvals, Positive Pay for checks, and smart spend limits that protect every transaction without adding friction.
Custody & Compliance
Funds are held with trusted custodians and FDIC-insured banks[dagger symbol]. We follow strict regulatory standards and implement layered safeguards to help ensure compliance and protect your business.
Platform Features

Technology that gives you speed, visibility, and control.

Instant Internal Transfers
Transfer instantly to any account
Transfer instantly to any account
Seamless Check Deposits
Upload a photo directly to our platform
Funds settle directly into your account
Shareable Receipt Links
Real-time payment tracking
No login required to view, open sharing
Checks with Positive Pay
Help prevent check fraud
Flag discrepancies early on
Coming Soon
Global Payouts Made Easy
Pay in 40+ currencies
Add international vendors
Coming Soon
Batch Payments
Pay many recipients at once
Pay by .csv, NACHA, & more
Coming Soon
Auto-Transfer Rules
Set auto rules to split income
Route cash instantly
FAQ

The answers to your questions.

What is Crescent?
What do I need to open an account?
Does Crescent charge any fees?
How can I contact Crescent?
Where are my Crescent Cash funds kept?
How fast can I access my Crescent Cash funds?
Are Crescent Cash accounts held in my name?
How long does it take to get started on Crescent Cash?
Still have questions?
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