CD Support

Frequently Asked Questions

This page covers the most common questions to help you with Cross River's High-Yield CD account. For the full list, please visit our comprehensive FAQ.

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Still need help?
Email: crcdsupport@crossriver.com
Phone: (855) 619-1550
Hours: Monday–Thursday 9 AM–6 PM ET; Friday 9 AM–3 PM ET

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How do I log in to my High Yield CD account?

Visit the online banking portal and log in with your credentials.

I forgot my password — how do I reset it?

Go to the reset password page to begin the reset process. You can also reset at any time from the main login page. Click Forgot your password? there.

Can I manage my CD account from my mobile device?

Yes. Download the CROSS RIVER MOBILE BANKING app from:

Apple App Store (iOS)

Google Play Store (Android)

How do I open a new CD?

Visit open.crossriver.com, choose your CD term, and complete the application. Once logged in, link an external account via Plaid and fund your CD through the Pay and Transfer menu.

How do I fund my CD after opening?

In the app, go to Pay and Transfer, click Manage External Accounts and link an account using Plaid. Also in Pay and Transfer, click Transfer Funds to fund your CD.

What is the early withdrawal penalty?

12-Month CD: 180 days' worth of interest

18-Month CD: 180 days' worth of interest

What happens when my CD matures?

We’ll notify you in advance. If no action is taken during the grace period, your CD will automatically renew.

What is the grace period after maturity?

The grace period is a short window (7 business days) after maturity when you can withdraw or modify your CD before it automatically renews.

What is a Certificate of Deposit (CD)?

A CD is a type of savings product where you agree to keep your money deposited for a fixed term in exchange for a fixed interest rate. Early withdrawals may result in penalties.

High-Yield CD Support

Frequently Asked Questions