¹Early availability of direct deposits may vary and is not guaranteed. Early direct deposit is a service that comes with your Early Access Checking account in which we credit your eligible direct deposit transaction up to two business days early. You must set up direct deposit to your account. The timing of when these transactions will be credited is based on when the payer submits the information to us. This means when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits or similar transactions. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services including Zelle®, Venmo, or PayPal transfers check or mobile deposits, and other online transfers or electronic credits are not eligible.

²While this account generally prevents overdrawing, there may still be instances where your balance becomes negative. This can occur if a transaction is initially approved for a certain amount, but the final charge exceeds the available funds in your account. For example, if you use your debit card to pay for a meal and then add a tip, the total charge may result in a negative balance. However, we will not charge you an overdraft fee in such cases.

³This service helps cover your payments and purchases, avoiding overdrafts and fees by automatically transferring funds from your linked backup account when needed. If your linked backup account does not have sufficient funds, we will decline the transfer.

⁴We have partnered with Allpoint and Presto! to bring our customers access to a fee-free network of ATMs. Simply go to the Locations page of the www.crews.bank website to locate the ATM nearest to you anytime you have the need for cash.