Limelight Bank review (2026): Top rates on savings and CD accounts with few fees

Summary: Limelight Bank is the online-only division of Capital Community Bank (CC Bank), which was founded in 1993. Limelight is headquartered in Pleasant Grove, Utah. The bank offers several CDs and an HYSA, but no checking accounts are available at this time.

Limelight Bank product overview 

High-yield savings account (HYSA)

Limelight offers a high-yield savings account that currently earns 3.9% APY. That’s more than 10 times higher than the national average rate for savings accounts.

To open a Limelight HYSA, you’ll need to make a $100 minimum deposit. You can only open an account online, so you’ll need to transfer the funds from another bank, or send a check or wire to Limelight. 

Limelight does not offer a debit card, ATM access, or checks, so you shouldn’t open a Limelight HYSA unless you’re comfortable making all of your deposits and withdrawals online. It’s also worth noting that you can only make six transfers from your account each four-week period.

Certificates of deposit (CDs)

Limelight offers four different options for CDs, all with competitive interest rates. Terms range from six to 36 months and require a minimum deposit of $1,000. 

Limelight Bank fees 

Limelight does not charge many fees, though customers may incur charges for specific services.

Limelight Bank pros and cons

Pros: 

Cons: 

No checking accounts: Limelight doesn’t directly offer any checking accounts. If you go through the process to apply, you’ll be directed to apply for checking accounts from Limelight’s parent company, CC Bank. 

Limited access to accounts: HYSA account-holders do not get debit cards or checks, and customer reviews also mention difficulties logging into the bank’s apps. As a customer, this means you may end up frustrated with the limited options for making deposits, withdrawals, and monitoring your accounts. 

Customer service and mobile banking experience 

As a Limelight Bank customer, you may have trouble reaching customer support when you need it. Chat support is not available online. Additionally, Limelight does not post business hours for phone support. But if you call during regular business hours, your call is likely to go to voicemail. 

For other avenues of contacting the bank, you can try submitting a contact form on the website or sending an email to [email protected].

Limelight does not have its own apps, so to access your account through your smartphone you’ll have to use the apps from Limelight’s parent company, CC Bank. Be sure not to confuse this for the CC Bank mobile app, which is an app for Central Cooperative Bank based in Bulgaria.

In the Apple App Store, the CC Bank Utah app has 3.7 out of 5 stars and the Google Play store lists 3.5 stars. Users of both apps report that, occasionally, the apps don’t work well and there are login issues.

Limelight Bank address and phone number

The phone number for Limelight Bank is  800-639-6015. Limelight does not have any physical banking locations, but you can send mail correspondence to the following address:

Limelight Bank 1909 W. State Street Pleasant Grove, UT 84062

Limelight Bank FAQs

Is Limelight Bank FDIC-insured? 

Yes, Limelight Bank is FDIC-insured.

What is Limelight Bank’s routing number?

The routing number for Limelight Bank is 124302927.

Is Limelight Bank a legitimate bank?

Limelight Bank is a legitimate bank that offers several FDIC-insured deposit accounts, including a HYSA and several CDs.

Where is Limelight bank located?

Limelight Bank is the online-only division of Capital Community Bank, and it does not have any physical branches. Limelight’s headquarters are in Pleasant Grove, Utah.