Before opening a crypto-linked account in the U.S., identify the legal company responsible for it, find out where each dollar and crypto asset is held, and read the terms for custody, withdrawals, fees, and provider failure. “Crypto bank” is a marketing label, not a guarantee that the company is a bank or that every balance is insured.
What does “crypto bank” mean for your account?
A crypto-linked account may involve several companies: a fintech or crypto company that markets the product, a bank that holds some cash, and a separate custodian or service provider that safeguards or handles crypto. Each may have a different legal role. Check the application and account agreement to see which entity contracts with you and which entity is responsible for each service.
The Office of the Comptroller of the Currency (OCC) says national banks and federal savings associations may conduct certain crypto-related activities, including custody, and may outsource certain permissible activities subject to third-party risk management. That does not mean every crypto company is a bank, or that a bank partner guarantees the crypto company’s obligations. See the OCC’s March 7, 2025 statement on bank crypto activities and its May 7, 2025 clarification on custody and outsourcing.
Is your cash balance covered by FDIC deposit insurance?
FDIC insurance applies to deposits held at an insured bank, subject to the facts of the account and applicable rules. It does not insure crypto assets or assets issued by non-bank crypto companies. A product’s connection to a bank, by itself, does not establish that a particular balance is an insured deposit. The FDIC explains this distinction in What the Public Needs to Know About FDIC Deposit Insurance and Crypto Companies.
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For the cash portion, look for the bank’s legal name, the account structure, the entity that owes the balance to you, and the product’s insurance disclosures. If the agreement does not make these details clear, ask the provider for an explanation before funding the account. Do not assume that a balance qualifies for deposit insurance simply because the app names a bank partner.
Who holds the crypto, and what do the custody terms say?
Crypto safekeeping is a custody service, distinct from holding a bank deposit. Find the name of the custodian, whether the provider or another company controls the relevant keys, and how the agreement describes your rights to the assets. Check whether assets are pooled or segregated, whether the provider may use or lend them, and what the terms say about insolvency, a service suspension, or a withdrawal delay.
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On July 14, 2025, the FDIC, Federal Reserve, and OCC issued a joint statement on crypto-asset safekeeping. It reminds banks to conduct safekeeping safely and soundly and in compliance with applicable law. It is not a guarantee that customers will recover crypto if a provider fails, and it does not determine the rights set out in a particular provider’s contract.
Which activities are handled by outside companies?
A bank or account provider may rely on another company for custody, trade execution, or related services. Ask which entity safeguards assets, which executes trades, whether subcontractors are involved, and how the agreement allocates responsibility and access. OCC guidance permits banks to outsource certain permissible crypto activities subject to third-party risk management; outsourcing does not make the provider’s identity or your contractual rights irrelevant. The OCC describes this in its May 7, 2025 release.
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Compare providers on the same terms
For each account you are considering, record the answers to the same questions. This keeps a familiar app interface or a “bank” label from obscuring material differences in legal structure, access, and cost.
| What to compare | What to verify |
|---|---|
| Legal provider and oversight | Contracting company, any bank partner’s legal name and role, and the relevant charter or regulator. |
| Cash balances | Where fiat is held, which entity owes it to you, and what the product’s deposit-insurance disclosures say. |
| Crypto custody | Custodian, key-control arrangement, customer-asset treatment, and terms for provider failure or suspension. |
| Outsourcing | Who handles custody or execution, any subcontractors, and how responsibility and account access are described. |
| Funding and withdrawals | Supported assets and payment methods, withdrawal limits, processing times, and restrictions. |
| Costs and account controls | Fees, spreads, limits, security controls, freeze or termination terms, and how changes are communicated. |
| Help and complaints | Support availability, complaint process, and the appropriate regulator or other complaint channel. |
These are provider-specific details. Without a named account and its current disclosures, there is no sound basis to state its fees, supported assets, withdrawal limits, custody vendor, or recovery rights.
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What recent U.S. regulatory changes do—and do not—tell you
Federal statements in 2025 describe activities banks may conduct and the risk controls expected of them; they are not endorsements of particular consumer products.
- March 7, 2025: The OCC said national banks and federal savings associations may engage in crypto-asset custody, certain stablecoin activities, and independent node verification, and described withdrawal of a prior supervisory non-objection requirement. Acting Comptroller Rodney E. Hood said, “The OCC expects banks to have the same strong risk management controls in place to support novel bank activities as they do for traditional ones.” See the OCC release.
- March 28, 2025: The FDIC said institutions it supervises may engage in permissible crypto-related activities without the prior crypto-specific notification requirement, provided risks are managed and applicable laws and regulations are followed. See the FDIC release.
- May 7, 2025: The OCC confirmed that national banks and federal savings associations may buy or sell assets held in custody at a customer’s direction and outsource certain permissible activities subject to third-party risk management. See the OCC release.
- July 14, 2025: The FDIC, Federal Reserve, and OCC issued a joint statement on crypto-asset safekeeping, emphasizing safe and sound operations and compliance with applicable law. See the OCC bulletin.
These changes concern bank authority and supervisory expectations. They do not establish that a particular account is insured, safe, or guaranteed to return crypto after a provider failure.
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A practical check before you apply
- Read the application and agreement. Write down the contracting entity and identify any bank partner and custodian by legal name.
- Trace cash and crypto separately. Note where cash is held and who owes it to you; separately note who safeguards crypto and what insurance disclosures apply to cash.
- Review custody and failure terms. Find the provisions on key control, pooling or segregation, permitted use, withdrawals, suspension, and insolvency.
- Map outside providers. Identify companies involved in execution or custody, including subcontractors where disclosed, and check how responsibility is assigned.
- Check everyday access and cost. Confirm supported assets, funding and withdrawal methods, limits, processing times, fees, spreads, security options, account restrictions, and support or complaint routes.
- Verify current terms before funding. Check the provider’s latest agreement and disclosures, and confirm the named bank or regulator where relevant. Terms and regulatory guidance can change.
The sources above concern the United States. If you are outside the U.S., check the deposit-protection scheme and financial regulators in your jurisdiction rather than applying U.S. FDIC rules.
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