Get access to your paycheck ASAP

Early Access Checking

Waiting for your paycheck and paying overdraft fees is a thing of the past with the new Early Access Checking account from Crews Bank & Trust!

Key Features

• Early Access to Direct Deposits: Plan your finances with ease and greater flexibility. Get access to your paycheck as soon as possible, up to two days earlier¹ than a traditional checking account.
• No Overdraft Fees: Use your account with confidence without being charged for overdrafts.²
• No Sweep Fees for Overdrafts: Experience peace of mind knowing there is no fee for moving funds by linking your Crews Bank & Trust checking or savings accounts. If you overdraw your Early Access Checking account, your linked account(s) will automatically cover the difference.³
• Free Online & Mobile Banking: Access your account anytime, anywhere through Crews Bank & Trust's secure online banking platform and mobile app. You can easily manage accounts, deposit checks, pay bills, send money with Zelle, and more, all from your mobile device, at your leisure.
• Local Customer Service: Connect with Florida-based banking experts through secure messaging in the mobile app, over the phone, and in-person.
• Access to over 55,000 ATMS: No additional cost to withdraw cash within our network of over 55,000 surcharge free ATMs across the United States.⁴

How to Open an Early Access Checking Account

• Online: Apply online through our secure website and get your account set up in less than five minutes. 
  
• In-Branch: Visit any Crews Bank & Trust branch to open your account with the assistance of our friendly staff. Be sure to ask for an Early Access Checking account.
• Customer Support: Contact us at 888-406-2220 or support@crews.bank for any questions or assistance with the application process. 

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.

² While 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.

³ This 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.

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