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Maximize your income and build lasting wealth

Budget smarter, borrow fairly and invest for the long run, all from one account you can open online in minutes.

Opening an account takes about 3 minutes and won’t affect your credit score.

4.8 app ratingRegulated by the GFSCDeposits insured up to $250,000

Crest Financial Bank is a licensed digital financial institution regulated by the GFSC. Eligible deposits are insured up to $250,000 per depositor by SVDIC.

people bank, save and borrow with Crest¹
0 K+
in customer deposits
$ 0 B+
average app rating
0 /5
years serving customers
0 +
of chats answered in under 2 minutes
0 %

Partners and press

Northgate Capital logo
Ledgerline logo
The Meridian Post logo
Harbor & Oak logo
Kestrel Ventures logo
Banking Brief logo

Pick what you need today

Every product shows its rate and fees up front, before you apply.

Couple reviewing their finances at home

Pay down your debt

From 7.99% APR

Fixed rates, 12 to 60 months3

Saving coins in a piggy bank

Grow your savings

4.50% APY

No minimum balance for 6 months2

Paying by phone at a card terminal

Bank every day

$0 monthly fee

Free debit card and instant alerts

Small business owner serving a customer

Run your business

Collect, refund, escrow

One account for money in and out

Checking your pre-qualified loan rate takes about 3 minutes and won’t affect your credit score.

Plan it, pay it down, grow it

Four tools that work together, so every money decision starts from the same clear picture.

Monthly budget

$3,240 of $4,000

Set limits by category and get a heads-up before you overspend, not after.

Housing
62%
Food and groceries
48%
Transport
30%
Savings goal
75%

Debt payoff plan

$12,480 left to repay

Bring balances together, see one clear payoff date and talk to an advisor who works on your side.

Paid off so far
58%

Portfolio value

$48,920

Pick a risk level, automate monthly contributions and follow every holding in one view.

Equities
42%
Bonds
26%
Property funds
20%
Cash
12%

Investments are not deposits, are not insured by SVDIC and can fall in value. Past performance does not guarantee future returns.

Retirement goal

On track for age 60

See what you need, how far you’ve come and the one change that would move your date forward.

Progress to goal
72%

Set a goal. Watch it grow.

Savings goals, auto-save rules and round-ups move money for you, and every goal earns 4.50% APY2.

Built for businesses that move money every day

Collect payments, return them without friction, hold funds safely between parties and get finance when you need it.

Money collection

Payment links, invoices and virtual accounts that reconcile themselves.

Seamless refunds

Full or partial refunds in a few clicks, with customers kept in the loop.

Escrow services

Funds held by Crest until both sides confirm the deal is done.

Financial services

Working capital, trade finance, treasury and advisory.

What our customers say

Rated 4.8 out of 5 on average by Crest customers.

Switching our business collections and escrow payments to Crest Financial Bank cut our administrative overhead in half. The unified dashboard gives us a crystal-clear view of our daily cash flow instantly.
Marcus Vance
Founder, Apex Digital Agency ★ 5.0
I love the automated round-up savings feature. I didn't even notice I was saving money until I checked my sub-accounts and saw how fast my travel fund had grown!
Elena Rostova
Senior Product Designer ★ 5.0
Getting a consolidation loan was completely transparent from day one. No hidden origination fees, and the interest rate matched the exact quote generated online before I submitted my application.
David Kim
Software Engineer ★ 4.8

More ways Crest helps

Early salary

Get paid up to 2 days early when your employer pays by direct deposit.

Round-ups

Round card payments up and save the spare change automatically.

Instant alerts

A notification the moment money moves in or out.

A real advisor

Talk through loans, savings and plans with a person, not a script.

Start building your lasting wealth

Open your account online in about 3 minutes.