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 dining and groceries⁴.

— 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. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will 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

Really disappointed in this app. I set up direct deposit and everything (for reference, I make six figures a year) and the advance offered to me was a meager $50 instead of anything close to the $500 advertised. In addition to that disappointment, the app is constantly sending notifications about features that are now available and when you click them, you find out that option is already exhausted. Update down to 1 star. Absolutely deceptive service with no human support. Avoid at all costs.

Customer service is sub-par. They give you a textbook answer if you have an issue and then claim they can't do anything. I have increased my direct deposit every pay period, and they are inconsistent with payday advance limits. On two occasions, they increased my limit and then reduced it even with increased deposits. They claim they review my account to increase my advance, but that hasn't happened. Everything else is satisfactory, just tough they don't help when I need them.

Almost perfect banking! The app covers nearly all my needs. There are no monthly "maintenance fee" anymore, Overdraft protection is awesome, and the fee free ATMs are awesome. I love they added within the year for connection with plaid services. Things to work on is to get our Debit Cards to work with Zelle and of couple of other services. Edit 7/2025: Still no zelle support and it's pretty annoying when you don't use your build card you get a notification why you should use the build card!

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.