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

False advertising. Says you can link your external bank account where you receive direct deposits of $500 or more regularly to qualify for paycheck advances but the only option the app gives you is to have your direct deposit sent to an account with them. I recently requested to have my account deleted and they are seriously dragging their feet. Shameful!!!!! Horrible customer experience!!!!!

The app won't allow you to transfer money back to your bank account. It won't link to another bank account with plaid, just keeps loading forever. This forces you to pay crazy transfer fees to move it back to your debit card. I don't recommend for a secondary bank account or a primary. A lot of places don't recognize the card number for purchases. Honestly, I'm starting to feel like a scam banking with them.

I'm unable to log in to my checking account and access my money. When I try to log in the app and go through the phone number verification (which I've successfully done numerous times to log into my account previously), the screen switches to one that states 'Something went wrong. Please try again later.' Support has been zero help so far in helping me get back into my account. This issue has been going on six hours!

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.