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

For some reason it stops working if you use a private DNS, proxy network, or VPN. I don't recommend the credit card at all. I have had nothing but trouble with mine as the card doesn't go through half the time and keeps blacklisting random stores for no reason. Support has been unhelpful after weeks so I just went back to only using the debit card. Other than that, the app is great. It has a lot of good features that help with saving and managing your money.

Current provides services that'll leave you with a smile and much more. There's no hidden fees, instant free cash transfer, and dual card account (and still, simply differ from each other). The credit builder idea is excellent!!! I would recommend this app to those that is tight on money and needs to free sign up to get an unsecured credit card joint with a debit card.

I love Current, I have been a customer for 4 years! 😁 Current is wonderful. The mobile app is amazingly designed. They have some great features I enjoy, such as the minimum cash deposit of $5.00 instead of $20.00 I also love the fee-free overdraft and cash advance as well. The credit builder card is phenomenal, and I adore it. However, I would love to see it report to all 3 major credit bureaus instead of just Transunion. It's a great app & bank!

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.