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 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.

BUILD CREDIT: Use your Build Card to build credit while you bank, no credit checks required

PAYCHECK ADVANCE: Qualify for up to a $750 Paycheck Advance with no mandatory fees⁶

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

FASTER DIRECT DEPOSITS: Payday comes up to 2 days faster with direct deposit²

BE COVERED: Access fee-free overdraft up to $200⁵

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

GET REWARDED: Earn 1x points for every dollar spent at any grocery store or restaurant⁴

GET HELP: 24/7 support in the app

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

¹ Out of network ATM fees of $2.50 per transaction may apply except at Allpoint ATMs in the U.S.
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 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 $200. See Boost Terms
⁴ For eligible customers only. Earn Points on Build Card purchases at retailers classified as Dining and Groceries. Points amounts and earning requirements vary at Current’s discretion. Points expire 365 days after settling. See Points Terms
⁵ Actual overdraft amount may vary at Current’s sole discretion. To qualify, you must receive $500 or more in Eligible Payroll 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. See Fee-free Overdraft Terms
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. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. See Paycheck Advance Terms

The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current deposit account is required to apply for the Current Visa® secured charge card. Independent approval required.

Ratings and reviews

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!

amazing! I could NOT get a credit card for a long time due to having no credit. I had no activity on my credit for 7+ years so everything was blank. I couldn't get any credit card to approve me. I found Current and have been building my credit ever since. this app is so easy to use, clean interface, and actually gives you a chance to build your credit back up. I will be with Current for a long time.

volatile. The Build Card and easy to use interface make Current a solid option. Unfortunately, they are entirely too volatile when you have options like Varo, who is an actual bank bound by rules and regulations. Despite never missing a payment, or paying late, they reduced my cash advance by $500. Customer Service responds with answers you can find on the FAQ page, meaning they can't help you with absolutely anything else. Current has lost me as a customer, but its not like they care anyway.

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.