Chartered 1988 · Member FDIC
Banking that keeps its word.
Checking, savings, and credit with no hidden fees and a bank statement that reads as plainly as it should. Open an account in under five minutes — from your phone, your laptop, or a branch on Tryon Street.
Chartered and operating since 1988
Accounts held nationwide
FDIC insurance per depositor
Average customer rating
Accounts
Three accounts. No fine print you need a lawyer for.
Crestline Everyday Checking
No minimum balance, no monthly fee, and early access to direct deposits.
- $0 monthly fee
- Fee-free at 55,000+ ATMs
- Deposits available up to 2 days early
Crestline High-Yield Savings
A savings account that keeps pace with your goals, not the branch down the street.
- 4.35% APY on all balances
- No minimum to open
- Automatic round-up transfers
Crestline Signature Card
A rewards card built around how you actually spend, with no annual fee.
- 2% back on everything
- 0% intro APR for 15 months
- Real-time spend alerts
Security
Your money, protected like it's the only thing we do.
We built our security program the way a vault is built — in layers, each one useless to a thief without the last.
256-bit encryption
Every session, transfer, and login is encrypted end-to-end — the same standard used by federal financial systems.
Biometric sign-in
Face and fingerprint authentication on mobile, with hardware-key support for your desktop login.
24/7 fraud monitoring
Our systems watch every account around the clock and freeze suspicious activity before it clears.
FDIC insured
Deposits are insured up to $250,000 per depositor, per ownership category — backed by the full faith of the FDIC.
Our story
Founded on Tryon Street, still run the same way.
Crestline opened its first branch in Charlotte, North Carolina in 1988 with a simple premise: a bank should be able to explain its fees in one sentence. Nearly four decades and 1.2 million accounts later, that's still how we write our statements — and our contracts.
We're chartered, regulated, and insured the same way the banks you've heard of are. The difference is what we chose to leave out: overdraft traps, teaser rates, and fine print built to be missed.
Your account is about five minutes away.
No paperwork to mail, no branch visit required. Just a few details and a starting deposit.