Welcome to high interest business banking
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Earn 5.25% APY* in a checking account
and access up to $125M in FDIC insurance.†

Crescent Financial Inc. is a financial technology company, not a FDIC-insured depository institution. All deposit products and services are provided by FirstBank, a Tennessee Corporation, Member FDIC. Funds in your deposit account are insured up to $250,000. However, FirstBank has the capability to place up to $125 million in other depository institutions that are insured by the FDIC. The FDIC's deposit insurance coverage only protects against the failure of the FDIC-insured depository institution.

Crescent is a financial technology company, not a bank.Banking services provided by FirstBank, a Tennessee Corporation, Member FDIC.

Earning millions in interest for companies just like yours:
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Building a better home for business capital.

Protect principal, maximize earnings, and gain visibility into your business capital.
Crescent Cash

Earn 5.25% APY 
on Every Dollar

Crescent Cash accounts unlock the highest rates for your deposits through our bank partnerships.
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Experience peace of mind with our transparent interest rates, which track to the Federal Funds rate, ensuring your earnings align with market dynamics, while consistently delivering some of the most competitive rates.
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To put it in perspective: letting $1 million idle in a checking account with 0.00% APY interest could mean forgoing $52,500 in potential earnings each year.

Protection for Your Deposits

Protect your business capital with up to $125M in FDIC insurance† while earning 5.25% APY on your entire checking account balance.
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Mitigate banking concentration risk by distributing your cash across a network of FDIC-insured banks in increments of up to $250,000 per bank per account ownership type.

With Crescent, this enhanced protection is streamlined into a single account on our dashboard. Simply deposit cash and start earning automatically.

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Automatically Enhance Your Returns

Looking for more than just high-yield banking? We have you covered.

Diversify and secure your business's investment strategy with access to both U.S. Treasury Bills and Money Market Funds through Crescent's brokerage platform1. These safe assets offer a solid foundation for stability and reliability.

Simplify your investment process while ensuring continuous growth with our auto-roll feature, providing a blend of stability and ease without the need for manual reinvestment.

Get started in minutes:

Crescent Financial Inc. is a financial technology company, not a FDIC-insured depository institution. All deposit products and services are provided by FirstBank, a Tennessee Corporation, Member FDIC. Funds in your deposit account are insured up to $250,000. However, FirstBank has the capability to place up to $125 million in other depository institutions that are insured by the FDIC. The FDIC's deposit insurance coverage only protects against the failure of the FDIC-insured depository institution.

Security and Compliance

Built on bank-grade security, and powered by the most trusted partners across finance and technology — we work tirelessly to ensure platform security.

Features

Continuous testing for ongoing SOC 2 compliance

Features

Two-factor authentication for enhanced account security

Features

Sensitive information protected by end-to-end encryption

Business banking that earns you more.

Book a Demo Get Started Now

65x
more than avg APY2
$125M
in FDIC insurance†
Earn 5.25% APY* in a checking and access up to $125M in FDIC insurance.†


Crescent Financial Inc. is a financial technology company, not a FDIC-insured depository institution. All deposit products and services are provided by FirstBank, a Tennessee Corporation, Member FDIC. Funds in your deposit account are insured up to $250,000. However, FirstBank has the capability to place up to $125 million in other depository institutions that are insured by the FDIC. The FDIC's deposit insurance coverage only protects against the failure of the FDIC-insured depository institution.
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* APY = Annual Percentage Yield. Issued APY rate as of 5/1/2024 is 5.25% APY. APY and interest rates are subject to change.

† When you open a Crescent Financial Inc. business account through the Crescent Financial Inc. online banking platform, you are choosing to receive a bank account and banking services from FirstBank, a Tennessee Corporation, Member FDIC. If the amount in your Crescent Financial Inc. bank account exceeds $250,000 (the current FDIC standard maximum deposit insurance amount or "SMDIA"), FirstBank will, subject to the terms and conditions of FirstBank's ICS Deposit Placement Agreement, arrange to sweep the amount in excess of the $250,000 SMDIA to a network of FDIC-insured banks so that each FDIC-insured bank will have no more than $250,000 per depositor, per account ownership category. FirstBank uses a third-party vendor and agent to help administer this sweep process. Visit https://www.intrafi.com/network-banks for a list of the banks and savings associations with which FirstBank has a business relationship for the placement of deposits at destination institutions and into which your deposits may be placed (subject to applicable terms with you, and any opt-outs by FirstBank or you). The current limit for access to FDIC insurance on your funds through your Crescent Financial Inc. account powered by FirstBank is $125,000,000, which is subject to change at any time by FirstBank.

Your profile with Crescent and all services provided to you by Crescent are subject to the Terms of Use (the “Terms”) and other applicable terms and no other representations or warranties, express or implied, are provided to you except as expressly set forth in the Terms. If you have any questions regarding your Crescent Cash profile, please contact support@crescent.app.

1 Investment advisory services are offered through Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment advisor, member SIPC. 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. This advertisement is not an offer to sell or a solicitation of an offer to buy securities. Products may not be available in all states. Learn more about Atomic at the SEC’s Investment Adviser Public Disclosure page. INVESTMENT PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, FIRSTBANK OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED.

2 APY = 65x more than the average APY for checking accounts published by the FDIC as of 5/1/2024 at https://www.fdic.gov/resources/bankers/national-rates/index.html

3 Based on APYs paid by U.S. Banks as determined by nerdwallet.com as of 5/1/2024.
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