FAQ

Crew earns money from deposits with our sponsor bank, Bangor Savings Bank, Member FDIC, and from the normal interchange fees merchants pay any time you pay with a debit or credit card.

We can pass more interest on to our customers because we are a digital-only product with a lean team.^*

^*The team is lean. Individual team members may not be lean, but are still beautiful.

Crew does not charge ATM fees and will even reimburse the fees charged by ATM operators on the first 20 ATM withdrawals your family makes each year.

There is no subscription fee. Relax. Go worry about other things.

There is no minimum balance to open or maintain an account.

No, most people use Crew without paying any fees and we’re very upfront about the potential fees users might pay.

Currently, we charge $20 for wire transfers for account holders with less than $50,000 in deposit. (However, there are no fees for ACH transfers, which are much more common and what a lot of people mean when they say “wire transfer.”)

There is also a $3.95 transaction fee for anyone who makes more than 12 cash deposits in a year.

We hope you do! Direct deposits through Crew work the same as with any other account. Your routing and account numbers are available in the Crew app.

If you need a voided check or bank letter, let us know with the support feature in the app.

Of course! Banking services are provided by Bangor Savings Bank, Member FDIC, and deposits are covered by FDIC insurance, up to $500k for joint accounts and $250k for individual accounts.³

Cash deposits can be made at thousands of locations, including 7-Elevens, Dollar Generals, Family Dollars, Dollar Trees, CVS stores, Walgreens, Kroger stores, and more! See the deposit location nearest you.

There are no fees for the first 12 cash deposits each year and a $3.95 for each cash deposit thereafter. Minimum deposit $5 per transaction. Limits are $500 daily, $1,000 weekly, and $3,000 monthly across all deposits. Terms subject to change. Read the full terms of service.

Properly endorsed checks can be deposited from the comfort of your own home (or the discomfort of someone else’s home) using the Crew app.

Subject to $5,000 daily and $20,000 monthly limits. Terms subject to change. Read the full terms of service.

Your Crew debit card can be used to withdraw cash at any ATM in the Mastercard, Maestro, or Cirrus networks. Crew does not charge ATM fees and will reimburse fees charged by ATM operators on the first 20 withdrawals your family makes each year.

See the ATM location nearest you.

Withdrawal limits: $500 daily, $3,000 weekly, and $5,000 monthly. Terms subject to change. See Deposit Agreement for full terms.

Crew is a financial technology company and is not a bank. Deposit account services for Crew customers are provided by Bangor Savings Bank, Member FDIC.

As a trusted, mutually-held community bank, Bangor Savings Bank has been dedicated to helping individuals and businesses strengthen their financial well-being for over 170 years.

Crew is powerful enough to actually change the way you spend, but low-maintenance enough to be sustainable.

Because it’s actually a part of your account, Crew can decline unwanted transactions and move money toward goals.

Because it’s automated, you don’t have to reconcile with receipts or log in every time you want to transfer money.

The account follows your budget for you.

Yeah, Crew can do that. Autopilot can scan your past transactions looking for bills or you can enter bills manually.

Once Crew knows your due dates and bill amounts, it automatically sets aside the money you’ll need and leaves the rest of your funds to be spent without worrying.

Yep. You can create pockets, fund pockets manually or automatically, and spend directly from those pockets. You can also hide pockets you don’t want to use day-to-day.

Crew makes it easy to give every dollar a job and do envelope budgeting without having to carry around a filing cabinet every time you leave the house.

Not only will it work, but it will make it easier. You can make rules based on dollar amounts or percentages and changes in one area will automatically adjust in others, so the math will always come out right.

For example, if you decide to put $25 more aside for your emergency fund, the app can automatically keep $25 less in your checking account, or when you reach your vacation funds goal, Crew can forward new contributions to your retirement pocket.

To apply for Crew you will need to provide your legal name, birthdate, physical address, and tax ID (usually a social security number).

It takes most customers less than 5 minutes.

Nope.

We wouldn’t complain if you made Crew your only account, but it isn’t necessary. Crew can be linked with most external bank accounts to help you move funds whenever you need.

Yes! The app is free to download. From there you can link to an existing bank account to play around with features or use the demo mode in the app menu.

Crew is currently only available to U.S. residents.

It’s okay if you live out of the country temporarily as long as you remain a U.S. resident and keep a physical address within the U.S.

If you’re not sure about your situation, reach out to us.

Create a virtual card to use online, with Apple Wallet, with Google Wallet, or with Samsung Wallet as soon as your account is approved.

If you love the feel of plastic, request a physical card through the Crew app. It will usually arrive in 7-10 days.

Virtual cards often give you more visibility and control. They can be instantly created or erased and will work with Apple Wallet, Google Wallet, Samsung Wallet, or tap-to-pay devices.

You can create dozens of virtual cards for different needs — like one just for groceries or another set to decline unwanted auto-renewals.

Of course! It will work with any ATM in the Mastercard, Maestro, or Cirrus networks. Crew will reimburse fees on up to 20 ATM withdrawals per year. See the ATM location nearest you.

Yes, your Crew card will work anywhere that Mastercard is accepted. See our deposit agreement for more information about currency exchange rates.

Yes, Crew is designed to be a banking and budgeting tool for your whole household. Partners can bank together while having different spending pockets, cards, and rules, and can set up saving and spending rules for their children in one place.

Yes, you can get a debit card for your child, automatically give them an allowance, and set spending rules to make sure they use the card responsibly.

With Crew you can put training wheels on your kid’s account. You can make rules about how much of their funds they can spend, get notifications when they make purchases, turn their debit cards off or on, give regular allowances, and do much more.