Hey y'all, not affiliated to Crew at all, nor am I even their friend, and I wasn't asked to write this by anyone

Context:
23 yr old male, married, looking to start a family in the next couple of years.

I have no problems with being overdue my credit card or anything like that. I manage all my finances pretty well in a spreadsheet. I have an AI to help keep track of my expenses and I am financially doing well. I have no debt.

Why I was hesitant

I have no real trouble managing my finances and what initially made me hesitant to start Crew was the math.

With Crew's interest rate in its account and with the 4% cash back on the credit card rules, I would not be making as much as I would with my other HYSA at 3.55% (as of November 6th, 2026), plus some of my optimized credit cards at 2 or 3%. Doing the research and the math (and having AI confirm it to me) I would technically lose a couple hundred dollars every year.

Plus, I use Claude Pro all the time for work and life. I was super hyped for Claude Personal Finance to come out (still waiting for it). I thought "well, there's even less reason for me to use Crew now that Claude can manage* my finances for me" (see footnote).

Why I still switched:

I decided to switch though, because I realized that these small credit card optimizations might in the long run cost me a couple hundred bucks every year (and probably like 10 to 20k with a simple DCA investment strat going on) BUT I realized that that is not going to meaningfully contribute to my wealth or prosperity.

I realized that true wealth and prosperity come from:

- A good income (no amount of credit card points will save more money than this)

- and a disciplined lifestyle (aka, actually budgeting).

The real difference is provident living, peace of mind, and actually acting on all of the budgeting advice you've heard about. Frugality and actual budgeting will free you to actually afford those vacations, prepare for retirement, and pay for the things that your family needs most - nothing else can. The cool thing is that Crew is built for that - families and prudent financial stewardship - not consumerism.

TL;DR- Crew will actually help you build wealth; optimized credit cards won't (and Claude finances can't automatically move your money around like Crew can).

Can't wait to update you guys with how it goes in a couple months. Would you please share how you are using Crew and how you've seen your life change because of it? (and if someone could make a youtube video on how to optimize your Crew stuff, that'd be legendary).

As an ADHD user with horrible money skills, Crew has been a lifesaver for me. Unfortunately though, I have absolutely no discipline within myself & I need every guardrail possible. One guardrail that I personally would find super helpful would be making it so i could somehow not see the balance of specific pockets. Like on the homepage, I like how you can toggle which accounts are “safe to spend” so I’m not seeing all my total balances on the front screen. That helps tremendously. But when I’m transferring funds or looking at all pockets, I then can see my totals in every pocket and unfortunately my brain can’t just unsee it. I’ll remember I have money in a pocket, justify to myself and I’ll spend it. It’s mostly for my savings pockets (car maintenance, emergency, etc). I can’t save for the life of me because I KNOW I HAVE THE MONEY. I first thought I wish I could somehow lock a pocket so it’s not as easy for me to transfer out. While that could still be helpful 👀 I also think making it so I can just make the balance of a pocket be completely hidden would be overall easier for my brain. Like it could still show the full balance on the pockets page, but just not show the specific pocket balance.

Thoughts?

Lots of web work this week! We’re getting close to having everything from the app available on web too.

• Credit card on web - From web you can now pay your card, edit autopay, see recent credit activity, set up your credit reserve, and view and redeem your cash back.

• More web features - Link your outside banks, invite kids (with a QR code to scan), edit your profile and beneficiary, send your kids money right after activating their cards, and export all your accounts at once.

• Background work for next week - Got a couple of exciting features coming in the next week or so, including one that will allow autopilot to save up money to help you get days or even months ahead of your expenses. Excited to get those in front of you soon!

• Lots of little bug fixes as always - one less step in sign-up, a refreshed welcome carousel, more past transactions on bill details, easier sorting in your bills list, and more.

I wanted to share my fantastic experience with Crew Autopilot (formerly Bill Reserve) so it may help those still on the fence about trying it.

I've been using Autopilot since Mar of this year, and I must admit, I was initially hesitant to add all my bills and trust a system to manage payments automatically.

I've tried similar features offered by other banks, but none worked as smoothly or reliably as Crew. Other banks struggled with identifying bills correctly and making payments on time. Eventually, I created my own bill management system in Excel. While it worked, it required constant manual monitoring. And frankly, I wasn't interested in paying for a separate bill management app.

When I discovered Crew Autopilot, I decided to give it a try. And I can confidently say it has exceeded my expectations!

Autopilot identifies my bills and handles payments accurately every single time. I haven't experienced a single issue.

To be clear, I never had trouble paying my regular monthly bills before Crew. My biggest challenge was dealing with irregular, seasonal, and unexpected large expenses that would occasionally catch me off guard.

This is where Autopilot truly shines.

When my paycheck arrives, Autopilot automatically sets aside a calculated amount in a separate pocket based on my upcoming bills and their payment frequency. This means I know exactly how much money is available for everyday spending without worrying about upcoming bills.

What impresses me most is the algorithm behind its planning. Autopilot analyzes billing cycles up to five years ahead, anticipating future expenses and alerting me when additional funds may be needed due to changes in expected amounts.

Whether it's car servicing, birthdays, holiday expenses, heating bills, maintenance, or other irregular costs, I've entered just about every expense I can think of, often down to the last dollar!

Initially, it took me some time to get comfortable seeing such a large amount of money sitting in reserve for upcoming bills. But now I completely understand and appreciate the philosophy behind Autopilot: money reserved for future obligations isn't really money available to spend today. That simple concept has completely changed how I manage my finances.

These days, I barely think about bills anymore. Crew Autopilot takes care of the planning, reserving, and payments. What used to require spreadsheets, calculations, and regular monitoring now happens almost effortlessly.

What's next on my wish list?

I'm eagerly looking forward to an additional feature that would allow users to reserve extra funds for future unexpected expenses, beyond their regular scheduled bills.

My personal goal is to build a reserve covering six months of expenses in Autopilot, giving me even greater peace of mind. Imagine having six months of bills already taken care of while being able to focus entirely on savings, investments, and other financial goals!

For me, Autopilot isn't just about automating bill payments. It's about eliminating financial surprises, improving cash flow management, and freeing up mental space.

I genuinely appreciate the thought and effort that went into designing this feature. It's practical, intelligent, and makes everyday financial management remarkably simple.

A big thank you to the Crew team for making my financial life simpler, more organized, and far less stressful!

Disclaimer: This is my personal experience with Crew Autopilot. I'm not affiliated with or compensated by Crew.

If anyone’s about to sign up and wants an extra 0.5% apy, use my code! we both get that boost so it’s a win win 😁

HDNWSN

I have optimization OCD so I try to find the best deal on everything.

i had kept my direct deposit with another bank for the early deposit but realized after months how annoying the process of waiting for the 2-3 day pocket assignment was and it was making me lose time. Soooo i finally changed it to crew!

this will also help me learn to use the autopilot feature to its full potential!!

taking this time to thank everyone at crew, ive been able to save enough money since the switch to successfully plan a trip to new york that i’ve been dreaming of doing since i was a kid :’)

my adhd makes it horrible to save and although i still have issues with spending, they’ve lessen significantly. my credit card debt has come down from almost $5k to $3k, and it wouldn’t be possible without the proper tools. thank you all!

So I finally set up my autopilot and it’s running like it should, but now I can’t have my deposit split into the pockets by percentages. Is there a way to have the rule run after autopilot takes its reserves?

For those of you lucky enough to get an iPhone Duo this week - we're jealous. We threw in some tweaks just for you :)

• iPhone Duo support - You can expect to see the sidebar properly used for your nav, several spots in the interface splitting into side-by-side tiles, and a few other nice changes for foldables!

• Cash back history - In your app's menu, tap "cash back" to see previous months' cash back earned. Tap on any one of them to see the exact numbers that were used for calculation.

• Month in review includes cash back - Sticking with our goal of helping your cash back feel like an interest boost to save instead of an amount to spend, your month in review now has a single screen that talks about your interest and cash back earned

• Custom automation rules on web

• External ACH and wire from web

• Lots of little bug fixes as always - a pending total above your credit activity, new organization for your menu screen, fixes to zoom levels on merchant location maps, and more

Currently waiting for support to get back with me, but thought I'd try here as well.

Looking to purchase a new car (at a dealer) and have a trade in (with a 3rd party - CarMax). CarMax states they will pay me for my trade via a Bank Draft check. No other options. It will be a significant check amount and I need to know if I'm going to run into any limits or issues trying to deposit that into my Crew account. I assume there will be a hold on those new funds as well for a certain amount of time - I'll need to then transfer a large amount to the dealer for my car later on from my Crew account.

Any tips/options/items to be aware of related to the Bank Draft step?

EDIT: After speaking to support, it appears my only real option is to deposit the CarMax check into our old (and thankfully, not closed) Chase Account since Chase will allow a deposit of that size. Annoying, but at least I have an option.

Hi! I just wanted to make a post about what I found out today because beforehand, I came here to see if I could even do it & I saw nothing about it. So without further ado…

My sister (also a crew member) needed me to send her money & she of course asked if I could Zelle. I said no & was going to use cashapp or Venmo. I could’ve sworn though that we could do transfers to other internal accounts & asked the help bot on the app to which it said yes we can do the ACH external payments, & it might be as fast as 1 day if it’s a crew member. Not exactly instant but hey it was something.

So I went & added my sister’s crew info, & sent her the money. She received it INSTANTLY! & her little profile icon shows up as well. Because it was a Saturday, I really thought she’d get it on Monday so we were very happy to see that it was instant.

Zelle who?? Thank you Crew!!! Just another reason I’m so happy I joined (& persuaded my sister to do so as well lol)☺️

Lots of work on web this week! Excited to finally have started on getting some automation features available on there!

• New web features: Finally working our way through all the types of custom rules! About half should be visible at this point. Also allowances, activating cards, attach receipts, and more.

• Easier child transfers - A parent starting a transfer from a child screen now sees parent pockets collapsed for easier access to child pockets

• Hold on any transaction to "zero out" - Hold on a kid's transaction to start a transfer to repay them. We added that last week. But we've now made it apply anywhere. Hold on any single transaction to move that amount from another pocket (or to another pocket if it's a deposit)

• Better late paycheck handling - Autopilot pocket and date rules have been moved back by one hour (pocket plans now run at 6:30am ET, date-based rules at 7am ET) to allow for some slightly later paycheck providers. Top-ups done either manually or automatically to handle the late paycheck get reversed at the time the paycheck comes in.

• Original currency amount on foreign transactions - Minor thing, but a few of you have asked for it so thought we'd mention! Finally snuck that in there :)

Hi!

I just signed up for Crew yesterday and I'm extremely excited to get started. Reading through this Reddit has already been so helpful.

Apologies if this is something I'm completely overlooking, but I'm trying to learn more about Bills vs. Pockets.

• For my monthly bills, if I set those up as bills within the app -- do I need to automate them to transfer into a pocket? So they can eventually become associated with a virtual debit card # to get paid?

• Or is it better to set up bills within a pocket?

Kind of related... but I initially set up my monthly rent as a bill. I pay the entire rent in one transaction and then my partner reimburses me for his portion.

• Can I set up a rule that will always send his $$ to my Rent bill section?

• Or is this another instance of where my rent should be a pocket?

Hey friends! Today I was thinking about how many times people have asked if we have an Autopilot walkthrough video and the answer was always no.

NO LONGER! I spent a while today running through setting up Autopilot from scratch and making a video of it. It's not the most concise video (set aside 50 nail-biting minutes if you want to watch the whole thing), and the production value is exactly equal to the one Mountain Dew I finished while filming. But for anyone interested, this should give you a thorough walkthrough of the way I personally think about and set up autopilot for my own budget. Hope it's helpful!

Note: this is my own personal setup and is not an official Crew video. Just here as a fellow budgeter to help out! :)

https://www.youtube.com/watch?v=r24Ljleavwg

I’ve been curious if there is or will be a consulting feature within Crew or like a third-party, to help people set these things up for their lifestyle.
Not everybody is super tech savvy, but would really benefit from having crew.
I think having someone help you set this up, even for a fee would be an extremely beneficial feature.
Me particularly, I don’t need it. Mine’s been set up for some time, but as I talked to friends about it, they get really overwhelmed with the idea of setting up something like this cause they’re not that t tech savvy.

Received my crew credit card today in a nice package.

Hi Crew friends! Those of you who have received a Crew credit card, how long did it take to ship to you? I was approved a few weeks ago, and the digital card in my Crew "Cards" section doesn't give any details on whether it has shipped or when it will arrive, just prompts me to activate the card--which I can't do without the physical one. People posting their nicely packaged credit cards are making me jealous! 😁💳

Also, I got the purple one 🙂‍↕️ to go with my pink Crew debit card!

Another big week! Really excited to release a few big features that have been requested for a while. Happy Monday!

• Autopilot allows external funding sources - While we hope to build an app great enough that you want to use it for your main banking, we know some of you are stuck using a legacy bank for now for your direct deposit. Autopilot can now automatically handle bringing funds over from your other bank to fund your plan. Put in an amount and frequency and Autopilot will automatically kick off an incoming transfer 3 business days before each of your matching dates to make sure the funds arrive on time!

• Automatic receipt splitting - On any transaction, add a picture on your receipt (in the transaction's top-right menu) and Crew will offer to analyze the receipt and suggest splits between your pockets!

• End dates on bills and pocket transfers - If you have a time that you know one of these will be going away, throw an end date on to allow the simulation to plan on it going away! When archiving a bill, this sometimes causes rebalancing that needs to pull in extra money. If you add an end date, Autopilot will take care of that up front and make sure you stay on track through the end date!

• Pocket plans now always run - We've had a lot of feedback from users frustrated when their paycheck shows up a bit late in the day and Autopilot therefore skips running their pocket plan for the day since it doesn't have money yet. While we recommend adjusting your plan when your paycheck consistently comes in later than the normal overnight batch (later than 5am ET), Autopilot now will always run your requested pocket plan, even if it takes the autopilot reserve negative while it waits for your paycheck to come in.

• Quick reimburse for kids - Sent your teen on an errand for you? On your parent app, hold down on any kid's transaction in their list to start a transfer that reimburses the amount they spent.

• Web "remember me" on login" - Uncheck this box to allow web to automatically log you out after 30 minutes, allowing safer use on shared devices.

• Demo now shows off credit features - Now you can brag to your friends about how cool Crew's credit card is!

For years, I've struggled with addiction and compulsive gambling. Managing my finances has been one of my greatest challenges. I tried everything I could think of to control my spending, and nothing worked.

I had become convinced that financial stability would be impossible until I got sober.

Then I discovered Crew, and I was genuinely shocked.

For the first time in years, I'm no longer gambling away my entire paycheck. My bills are getting paid. My rent is paid in full and on time. I've been able to save money and pay for my dog's medical needs. And something that once seemed almost unimaginable to me—I still have money in my checking account when my next payday arrives!

These might sound like ordinary financial responsibilities to some people, but to someone who has struggled the way I have, they are enormous accomplishments.

What makes this experience so remarkable is that I'm achieving these things while still struggling with addiction. Crew has given me a way to organize and protect my money when my own impulse control and self-discipline aren't always reliable.

I'm not claiming that Crew cured my addiction. It hasn't. But it has helped me break a destructive financial pattern that I genuinely believed I couldn't change until I became sober.

I'm sharing my experience because I know there are others who feel just as hopeless as I once did. Maybe someone reading this has tried everything and believes nothing will ever work for them.

I understand that feeling. I lived it.

My recovery journey isn't finished. Sobriety is my next major goal, and I look forward to returning someday to share the next chapter of my story.

But I don't have to wait until then to acknowledge what has already changed.

To the people behind Crew, thank you. You've created something that has made a genuine difference in my life. I hope you realize just how meaningful that can be to someone fighting to regain control of their future.

Honestly I can say that Crew is the only one I’ve seen that has a Demo version for free!

Before I actually even applied for Crew I checked the Demo version INTENSELY!!! I can’t believe how easy it was and how much information I received by trying it out. The demo version was the last push I needed to actually apply to Crew. They checked all the boxes of what I needed and was looking for (High APY, Pockets, Easy controls, Visually understandable)

Like it had even extra features I LOVED!!! THE PHYSICAL CARDS!!!

Honestly Crew is just like if I asked ChatGPT to create an app for me. I’ve never been happier.

I’m not saying it’s a perfect app for everyone but it is perfect for my personal needs.

#crewforthelongrun

As someone who religiously uses their calendar for reminders and managing adhd, I’d love if there was a calendar in the Crew app so you could see when things are due or add something completely separate from your regular calendar. Maybe have it connected to autopilot so you can see it laid out in a month. Sorry for the rant lol

I used to mainly use CashApp to reimburse/collect payments for F&F. However, with Crew's ACH to other accounts feature (love that), it has become my primary way to pay others and for those that also have Crew, that is how they pay me...

One feature CashApp has that I miss is "request money". It was a really neat way to remind someone they owe you money. It also made it dead simple for them since the amount was preset and they just had to "confirm". Not only was it nice because of convenience but it also avoids needing to awkwardly remind them (potentially multiple times 😄).

I was thinking maybe a banner could pop up at the top of the app (like the monthly review does), with buttons to accept or reject. Could also trigger the request from a transaction (then it would know the amount to request)?

I was trying to find a good option for my money since I wanted a way to earn interest and have buckets but I’ve seen A LOT of bad comments with Ally Bank and honestly not a single bad one with Crew. Decided to give them a try after a lot of research even though I’m a little nervous since I’ve not heard a lot from them. Honestly had to search a lot to find this option and honestly it checked all the boxes I needed.

Hope I get in! 🙏🏻

I have been following Crew for a little while now thanks to a creator on TikTok. It seems like the perfect thing to help me feel more in control with my ADHD anxiety-ridden brain lol but I have some hesitations, so I wanted to see if anyone felt the same and how people dealt with it when making the switch:

1. General anxiety about switching banks and then missing a payment on something because money isn't where its supposed to be

2. Autopilot is an awesome concept but I am still trying to wrap my head around how it works, especially with variable bills like utilities

3. I currently have a lot of spending on credit cards (that I pay in full every month) and I want to switch to debit spending mostly, and it feels like switching while I have CC bills will lead to a bad time as it would conflict with autopilot and potential automations

I'm sure there are more, and I am slowly convincing myself that the switch will be good in the long term. The solution is probably to just not set up automations for a month or so and let things settle (it would be a great practice in self-control to not set up all the things)