Current - Mobile Banking

Current

About this app

Power up your paycheck when you switch to Current. Get paid faster, save smarter, and build credit with ease—all in one app. Join over 6 million members already banking with Current today.

With Current you can:

— Advance up to $750⁶: Access more of your paycheck if you qualify.

— Overdraft fee-free⁵: Breeze from payday to payday without hidden fees.

— Get paid up to 2 days early²: Receive your direct deposit as soon as your employer sends it.

— Build credit while you bank.

— Earn 1% cash back on eligible categories with your Build Card⁴.

— Enjoy 24/7 member support.

— Access 40,000+ fee-free ATMs nationwide¹.

— Add cash in-store at locations like CVS, Walgreens, and McDonald’s.

— Earn up to a 4.00% bonus on savings³ and save automatically with Round-Ups.


See current.com/docs for full terms and conditions and current.com/legal_disclaimers for more info.

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/or Cross River Bank, Member FDIC.
¹ Most AllPoint® ATMs are fee-free. To see if an ATM qualifies for fee-free ATM transactions, please check the Mobile App.
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. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control.
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. No minimum balance required. 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%, you must receive at least one Eligible Payroll Deposit equalling a minimum of $200 over a 35-day period. T&C: current.com/boost_terms_of_service
⁴ For eligible customers only. To earn Points, you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period, and as applicable, make Build Card purchases at retailers whose merchant code is classified as either (i) Dining (e.g., restaurants) and Groceries (e.g., supermarkets) or (ii) belonging to the category or categories selected in the app, and complete other actions that Current may designate. Allow 3-5 business days for Points to post to your Current account. Points expire 365 days after they settle. T&C (including specific eligibility criteria): current.com/current_points_terms_and_conditions
⁵ Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. T&C: current.com/overdraft_protection_terms_of_service
⁶ For eligible customers only. Paycheck Advance is offered by Finco Advance LLC, a financial technology company, not a bank. T&C: current.com/docs/paycheck_advance_terms

Ratings and reviews

Do not use their Credit Builder card it will decrease your credit score by 30 points at first & then continue to decrease it because it only shows up as a debt, that you owe a balance every month it is reported. Even though it's paid off when they report it, Current does not report the balance is already paid off, just the amount you had spent the prior month. I have credit monitoring that tells me when my score decreases & what caused it. I do like Current outside of their Credit Builder card.

Do not use! Big scam. If your someone who relies on a paycheck advance, they will start you off with a larger amount say around $250, then constantly lower it everytime you pay it back, even if the amount of your paycheck deposits increase and if you increase how many deposits are being made each week. They will also lower your amount when you upgrade your subscription. There's much better online bank options with paycheck advances like Dave.

Zero stars. Don't use it if you keep a bill schedule. My first direct deposit was 5 days early. My second was 3 days early. My third was 2 days early, and now it's payday and not early at all. They advertise paycheck advance up to $750, but really, it isn't even close. My direct deposits have all been over $1500, and my maximum advance hasn't been over $50. You can't transfer over $1000 to an outside account. I now am behind on bills because they can't stay consistent. Zero stars

What’s new

With Paycheck Advance, now any day can be payday. Qualify, and get up to a $750 advance, no credit checks or lines of credit required.