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.

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 deposit.²

SAVE: Earn up to 4.00% annual bonus on your savings with a qualifying direct deposit.³

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

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


TEEN ACCOUNT BENEFITS

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

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.
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%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. Refer to Current Boost Terms and Conditions at 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.
⁶ Paycheck Advance is 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. Refer to Paycheck Advance Terms and Conditions 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. 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

I've had this account for almost two years and it's so good with security and the ability to manage your spending and what you can save . It allows you to block certain apps and helps with subscriptions. well it helps with management of your whole account. allows you to build your credit with its build credit card and get an advancement with direct deposit- depends on your direct deposit amount. but overall an exceptional app. I'm pleased and secured.

Probably Would have rated higher if the app's credit builder card actually allowed you to use credit and pay it back. It definitely does not. I honestly want to give the rating a one star. Because every single time I use my debit card at anywhere. It declines when I have funds available. The response the register gets is This transaction was declined by your bank contact your bank. When I contact obviously there's nothing wrong. It is like an automatic system that constantly declines the card

Sat on this for a while hoping it was just a bug with the app. Used it for a minute and never had a problem until the beginning of this year. Won't let me log in, keeps saying session timed out and to log in again. I do that, even wait a bit, even uninstalled and reinstalled. It also won't let me try any other way to log in aside from my number either. Not a problem w the card being expired bc I can still be sent money and subscriptions still draft. Can't even open it and contact any support.

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.