Current: The Future of Banking

Current

About this app

Current is the future of banking. Spend, save, and manage your money better with our mobile banking app and Visa credit and debit cards so you can make the most of what you've got.

Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

WITH CURRENT YOU CAN
BUILD CREDIT: Use your Build Card to build credit safely with every swipe, no credit checks required

ACCESS CASH: Qualify for up to a $500 Paycheck Advance⁶

SKIP THE FEES: Get fee-free overdraft & fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.¹

GET PAID: Payday comes up to 2 days faster with direct deposit²

SAVE: Earn up to 4.00% annual bonus on your savings³

GET REWARDED: Get up to 7x the points and cash back on swipes⁴

GET HELP: 24/7 support in the app

¹ Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees
² Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits
³ Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $100. No minimum balance required. See Current Boost Terms at current.com/docs
⁴ Points available at participating merchants. Teen accounts do not earn points
⁵ FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance up to $250,000 is available on customer funds through pass-through insurance at Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC where we have a direct relationship for the placement of deposits and into which customer funds are deposited, but only if certain conditions have been met.
⁶ For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. See Paycheck Advance Terms at current.com/docs/

The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. See back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

Ratings and reviews

Excellent Banking for Families! ⭐⭐⭐⭐⭐ Current has been a fantastic banking solution for our family. The app is user-friendly, making it easy to track spending and manage budgets. We love the individual accounts for our kids, which help them learn about saving. The no-fee structure is a huge plus, and the mobile check deposit feature saves us time. Overall, Current has simplified our finances, and I highly recommend it for families!

It's very confusing. Sends you two different cards. If you use the credit card, it takes your money out and it also makes you repay that same amount you spent? Like you pay for hotel, $64 and $64 will come out of your account. The next time your account has money loaded into it, or if you just already have the $64 it will take it from you and put it aside to "pay" the credit card bill. It's robbery. I don't know what else to call it. You're being charged double for using a literal debit card.

Better than most on-line banking apps. However, it is confusing on how they do their current credit cards and credit building process. I researched all of the information available online, and it still didn't quite make much sense. Other than that, it's a good card to get. Nothing special over the others, just different tiny perks or ease of using the app.

What's new

With Paycheck Advance, now any day can be payday. Qualify, and get up to a $500 advance, no credit checks or lines of credit required.