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 a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Join over 4 million members that trust Current & sign up today.


WITH CURRENT YOU CAN –
BUILD CREDIT: Use your Build Card to build credit safely with every swipe, no credit checks or history required.

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 deposit.²

SAVE: Earn up to 4.00% APY³ on your savings with Pods when you receive and maintain a qualifying direct deposit.

GET REWARDED: Get up to 7x the points and cash back on swipes.⁴

SPEND: Get spending notifications and insights, and instant money transfers with Current Pay.

ACCESS YOUR $$$: Get instant gas hold removals so your funds are available right away.

STAY SAFE: Get privacy controls to protect your information, and block your card in the app.

GET HELP: 24/7 support & chat in the app.


TEEN ACCOUNT BENEFITS

SAVE: Savings Pods teach teens to set savings goals.

SPEND: Get instant money transfers from parent to teen, spending notifications, and set automated allowance payments.

BUDGET: Explore money management tools that help teens budget money.

STAY SAFE: Parental controls let you pause the card directly in the app, set spending limits, and block merchants.

No minimum requirement to open any account. Teen accounts must be linked to a parent’s account through 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. Please refer to Fee-free Overdraft Terms and Conditions at https://current.com/docs/
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 Annual Percentage Yield ("APY") earned on Savings Pods is variable and may change at any time. The disclosed APY is effective as of May 1, 2023. Must have $0.01 in Savings Pods to earn either 0.25% APY or 4.00% APY on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00% APY. Qualifying direct deposit of more than $200 required for 4.00% APY. No minimum balance required. Please refer to Savings Pods Terms and Conditions at https://current.com/docs
⁴ Points available at participating merchants. Teen accounts do not earn points
⁵ Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

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. Please 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

The app is easy to use very self explanatory .The credit build without the debt you guys just put is awesome.i love it I'm able to have several different savings bonds for different things savings,bills ,rainy day .it's easier to not spend when your savings is in a separate space so it doesn't get spent. overdraft without fees is a real lifesaver also .great app I've had it for years.

Basic money movement and spend tracking for my teen worked for a while. But could never successfully set up a recurring transfer for allowance. Had to request a transfer every week instead of having a standing transfer work automatically. Their suggestion each week was to delete and re-add the app and delete and re-add the scheduled transfer. I eventually gave up. Support was incredibly slow and difficult to communicate with as Chat was the only way and it was rarely helpful.

I have been with this bank for almost 4 years. And it was rough to start with identity verification current trying to say my id was fake. But after that it was great for 3 years no issues and now they have become unreliable. I get a check from my job and follow the steps exactly. It works fine then suddenly there is an issue with my "endorsement". The same endorsement that I have been using my entire time with current my signature has never changed. Then suddenly they won't take my check 0 stars

What's new

We’re making credit building simpler, safer, and for everyone. Now build credit while you bank and get credit for every swipe with The Build Card.