Crescent Financial Inc. is a financial technology company, not a bank or other federally insured institution. Crescent Cash provides businesses with access to a network of federally insured financial institutions, including 300+ FDIC member banks. Statements of total FDIC insurance coverage are based on the combined FDIC insurance limits per account at the FDIC-insured banks in the network as of March 23, 2023 and is subject to change accordingly. APY is subject to change.
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Crescent Cash
Your cash is put to work across 300+financial institutions to bring you top yields and protection.
Every Dollar Covered.
Get more FDIC insurance on your capital with a single login, connected to a network of over 300+ federally insured financial institutions to bring you top yields and protection.
Get the best of high yield and fund safety.
$250K
FDIC Coverage
$5M
FDIC Coverage
$6M
FDIC Coverage
$75M
FDIC Coverage
No Lengthy Set-Up
Create an account in 10 minutes or less — Crescent helps you start earning in days, not months.
No Limits
There are no limits or caps on how much you can earn through Crescent Cash.
No Market Volatility
Cash deposited in your account generates yield without being subjected to the markets.
Get started
Create Your Account
Sign up for Crescent Cash in minutes.
Fund Your Account
Once opened, transfer funds to your Crescent account via Wire or through linking your bank account.
Start Earning
Your funds will begin earning [rate-cash-account] automatically. Direct funds between Crescent Cash and U.S. Treasuries to maximize your returns.
Liquidity
Access your capital at any time.
Never worry about liquidity. Withdraw your funds at any point without early withdrawal fees or penalties. Funds arrive in as little as 2 business days.
One Account, Layers of Protection
Protection by default.
Diversify your deposit strategy with up to $75M federal coverage across our available network of 300+ financial institutions. No more than $250K is held at an individual institution, so your funds in Crescent Cash are always covered.
Crescent Concierge
Consult with Your Crescent Concierge
Questions about the process? Email, text, or call us and you’ll be connected with a real human (no robots here), to get you on your way as quickly as possible.
24/7 Support
Reach us via email, text, or phone. We’re here whenever you need us.
ACH: You can easily deposit funds through Crescent by linking your company’s bank account through Plaid. Funds sent via ACH are usually available in your within 1-3 business days.
Wire Transfer: Wire instructions can easily be generated and sent to all relevant parties for larger, faster transfers. Wire transfers are typically available within the same day or the next business day.
Yes. Your Crescent Cash balance is eligible for up to $75M of federal deposit coverage through the Federal Deposit Insurance Corporation (FDIC) and the Nation Credit Union Administration (NCUA). This is made possible through a network of participating financial institutions. Your funds are allocated automatically so that no one, single financial institution, holds more than the federal insurance limit of $250k. This gives you improved risk management for idle capital.
You can withdraw capital from Crescent Cash with the same speed and ease as depositing it. Funds are available for withdrawal at any time through ACH or wire transfer within 1-5 business days.*
Unlike a traditional bank account, which sees all of your funds held at a single institution, Crescent works with 300+ federally insured financial institutions across the United States to bring improved coverage and competitive rates for your capital. When you make a deposit, funds are owned in your company’s name and are automatically allocated across a network of federally insured financial institutions to optimize coverage and yield. For a complete list of financial institutions available through Crescent Cash, click here.
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