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Welcome to

Checking and Bill payments built for the working class

  • Open a MyPENY High Yield Expense Account in a few minutes
  • Earn bill pay discounts based on your deposits1
  • Protect your funds with up to $3 million in FDIC insurance


Please click the continue button to get started.  Please fill in the next few sections of the setup wizard.  This will determine the amount per week you will be placing into your Expense Account at CrowdPay.  Make sure when you type in your amounts, add ".00" (for example, if your income is $2800, then please type $2800.00 for each income and expense. Otherwise it will register as $28)


Your calculation of discounts are detailed on the BillPay Agreement. 1. Binding terms governing interest, including eligibility requirements and information about the calculation of interest, are detailed on the Terms of Interest Accrual which is incorporated as a part of the Bluevine Business Checking Account Agreement.

CrowdPay Inc. is a financial technology company, not a bank. Bill Pay Services provided by Truist Bank, Member FDIC. Truist accounts are FDIC insured.

To help the U.S. government fight the funding of terrorism and money laundering activities, Federal law requires that CrowdPay obtain, verify, and record information that identifies each individual or institution that opens an account or establishes a customer relationship. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.


Disclosure: CrowdPay™ Inc., is a Financial Technology company.  The base of our services is rooted in the data compiled by our Automated Bill Pay platform CrowdPay™.

Automated Bill Pay

CrowdPay™ helps busy professionals and households who don’t want to waste their time paying bills. Our personal account managers are based in the U.S. and are always a call, email, or text away if you need help- no waiting on the phone to speak to a human.

Concierge Service

Every client is paired with a U.S. based specially trained Account Manager. Clients can speak on the phone with their Account Manager and do not need to use a computer to benefit from the services of CrowdPay™.

Affiliate Plan

If you chose the “Tell A Friend” Affiliate Plan, CrowdPay™ disburses an additional $250/mo. for each person you refer that opens a MyPENY™ Account and make their weekly bill pay deposits.  For example, if your total household expenses are $3,500 per month, referring 14 people will enable CrowdPay™ to cover 100% of your monthly expenses.

¹We start with CrowdPay™ paying you $250/mo. bonus (1yr) just because you opened a MyPENY™ Account and allowed CrowdPay™ to cover 100% of your monthly household bills and expenses without any compromises. This covers the first 90 days of service.

All management questions and adjustments are handled via Zoom® Meetings.  CrowdPay™ has Zero access to your bank account(s).  The CrowdPay™ is a FinTech (Financial Technology) company, and not a bank, but operates as a SaaS providing bill pay services as a software.

*Bill Pay Services are provided through our corporate accounts at BlueVine® online and Coastal Community Bank, Member FDIC®. Bluevine accounts are FDIC® insured up to $250,000 per depositor through Coastal Community Bank, Member FDIC®.  See the Coastal Community Bank Privacy Policy. MyPENY™ is owned by CrowdPay™ Inc. CrowdPay™ is a SaaS underwritten by CrowdPay™ Inc. © 1994 – 2024. All Rights Reserved.

Easy Qualification: Must be Employed salary or hourly, Military, Retired or Fixed Income, Age 25 or older, A minimum of $3,500/mo. and a maximum of $10,000/mo. in household and lifestyle expenses. For the best results, you need to add as many bills and expenses as possible to our user interface platform.

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