* APY = Annual Percentage Yield. Issued APY rate as of 5/1/2024 is 5.25% APY. APY and interest rates are subject to change.

† Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements.Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed theSMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifyingIntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi andICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.

Your profile with Crescent and all services provided to you by Crescent are subject to the Terms of Use (the “Terms”) and other applicable terms and no other representations or warranties, express or implied, are provided to you except as expressly set forth in the Terms. If you have any questions regarding your Crescent Cash profile, please contact support@crescent.app.

¹ Investment advisory services are offered through Atomic Invest LLC ("Atomic Invest"), an SEC-registered investment advisor, member SIPC. Brokerage services are provided by BNY Mellon Pershing, member SIPC, through a clearing and custody relationship with Atomic Invest. Atomic Invest manages and executes investments on behalf of customers. This advertisement is not an offer to sell or a solicitation of an offer to buy securities. Products may not be available in all states. Learn more about Atomic at the SEC’s Investment Adviser Public Disclosure page. INVESTMENT PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, FIRSTBANK OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED.

² APY = 65x more than the average APY for checking accounts published by the FDIC as of 5/1/2024 at https://www.fdic.gov/resources/bankers/national-rates/index.html


FirstBank’s general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the SECOND business day after the day of deposit.‍