Current: The Future of Banking
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 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 Cross River Bank, Member FDIC. WITH CURRENT YOU CAN BUILD CREDIT: Use your Build Card to build credit safely with every swipe, no credit checks 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 deposit² SAVE: Earn up to 4.00% annual bonus on your savings³ GET REWARDED: Get up to 7x the points and cash back on swipes⁴ GET HELP: 24/7 support in 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%. 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 $100. No minimum balance required. See Current Boost Terms at current.com/docs ⁴ Points available at participating merchants. Teen accounts do not earn points ⁵ 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. 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. See Paycheck Advance Terms 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. 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.Recent Changes
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.
Mr. Brenes
Current provides services that'll leave you with a smile and much more. There's no hidden fees, instant free cash transfer, and dual card account (and still, simply differ from each other). The credit builder idea is excellent!!! I would recommend this app to those that is tight on money and needs to free sign up to get an unsecured credit card joint with a debit card.
gutzkinq
LOVE CURRENT! Amazing and idiot proof secured credit card. SAVING my credit! Love the referral reward, too ;) I've never had an issue with this app. My only "gripe" would be, as all cards are different, this is one that WILL decline at a gas station kiosk if the balance is too low. Most cards are like that anyways but oh well. I recommend this app time and time again to my friends!
Death Saint
For some reason it stops working if you use a private DNS, proxy network, or VPN. I don't recommend the credit card at all. I have had nothing but trouble with mine as the card doesn't go through half the time and keeps blacklisting random stores for no reason. Support has been unhelpful after weeks so I just went back to only using the debit card. Other than that, the app is great. It has a lot of good features that help with saving and managing your money.
Ashlee Carter
I'm pleased thus far. I've been with Current for over a month now. The app is fairly simple to use. I'm paid a day in advance. The credit card basically pays for itself with the money you already have in your account. Since using the card my TransUnion credit has increased by nearly 90 points! I don't have to worry about fees while paying at the gas pump. It's great for those who can't or prefer not to use regular standalone banks. Current seems better in comparison to other prepaid bank card .
Ricca Rinae
I've used them on and off for years now, never really had no problems with them. I love how you can block merchants from charging your card. I love the 3 different saving pods you can use to save money. They have a round up option where every time you purchase something at the store it'll round up to the next dollar and store it in savings for you and you can always use it again or just build money up. I get paid super early I love that! and it's other small things I like about current as well.
J
*Update: The deposit takes FOREVER. It's been almost five days now without access to my money* Pretty good so far but the lack of instant transfer option is a big detractor and why I may stay with Current's competitor. Other than that, it's pretty straightforward, no fees for the most part. Wish the advance was more than a mere $50 tho.
Tyya Christie
Horrible card. Limit to debit card attempts. They don't accept prepaid cards for transfers. 🥱 Same old thing pretty much like Chime and all the rest. They don't accept prepaid card transfers and then they're "security features" will block you from adding a debit card if you try to add more than twice. Customer support is not helpful at all. Just repeat what the error message told you. They don't even try to fix the issue. Just say they're sorry a thousand times. Not so "current".
Rebecca Ramirez
does card has been wonderful. having no issues really. I just been with them for more than three and a half years and wish I could get more on my overdrafting. by the way the app is so helpful and you can even talk to customer support text them at any time gives you credit score you can do Bitcoin I suggest it more than I would any of the other ones that are out!
Eric
I love Current, I have been a customer for 4 years! 😁 Current is wonderful. The mobile app is amazingly designed. They have some great features I enjoy, such as the minimum cash deposit of $5.00 instead of $20.00 I also love the fee-free overdraft and cash advance as well. The credit builder card is phenomenal, and I adore it. However, I would love to see it report to all 3 major credit bureaus instead of just Transunion. It's a great app & bank!
Cary DuBois
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.
Christina Wallace
Current is the best prepaid debit card and banking app I've ever used! I love it! I use it to get paid for all my jobs via direct deposit and I always get paid and have access to my paycheck a day or 2 earlier than my coworkers. I love all the features and perks such as my FEE-FREE over draft! I have heard so many horror stories from friends about having to pay huge over draft charges for each purchase, but not with Current! They also offer paycheck advances! It's so easy and I love it!
Noah Henderson
At first, I was very happy with this bank. There are great features like fee-free overdraft and ATMs, great percentage yield on savings pods, and the ability to immediately send money to friends who have an account here. I've had problems with their dispute filing process. Recently, my card was deactivated after I filed a dispute. No one asked for my consent to deactivate my card; there's a $5 fee for new cards and I now have no way to access my funds until a new card is sent 7-10 bus. days.
Jullian Poston
overall I've always been able to rely on current as my main banking app and have never had an issue accessing my funds. though the customer service is very difficult to deal with when somebody overcharges your account. simple actions such as emailing a bank statement to another banking institution to clear up an overcharge took way too much hassle. I would recommend using this app as a secondary banking app for that reason as it could put you out money that you need.
Douglas Gudenkauf
Great service so far! I am switching from Ugami since they are shut down and I'm so happy to see a credit build feature that doesn't require a seperate credit card, monthly payments, of a deposit! rewards are very hard to earn but at least it's there? Giving 4 stars cause they don't have a metal/upgraded card or account with more cashback/points. A lot of others smaller and bigger name cards and banking services offer that.
Todd Alvers
I'm a guy that loves to have options and getting rewarded for anything. I love this app for my banking. it has started to build my credit, it has discounts on top name restaurants, name brand clothing and the options go on and on! I'll let you explore for yourself and I promise you won't be disappointed! this is how a bank should run! standing ovation!
Jonathan Quiles
I enjoy Current and I get direct deposit a few days early which has saved me many times and also the over draft protection which is not like the other banks that charge you but the bills is never paid. I do enjoy the savings pods. 4% APY per pod Edit- The app logs out and it pulls up for security reason we do not allow sign ins on Private Networks. I'm on my cell network and I have to stop app or restart my phone which is annoying. Small bug but please fix it
Kanesha Pendleton
I've had current for about 3 years now I love it . only thing I hate is when I lock my card certain people can still take money. but I always keep my card locked and I also see how many people try to take koney out of my account . it's ridiculous but other than that current is awesome . you get paid 2 days early. they have saving features and I love the verification process . to make sure it's really you lol but yes somewhat moderate recommend
Haley Olivia Neal
Current has been my primary banking app for the last 2 years, and I don't plan on switching to any other banking app anytime soon. My credit needs quite a bit of work, that's why I now have Current's Build card! Overall I have been super impressed and happy with Current's improvements and changes throughout the years, there's a reason I've stuck with this banking app for so long! *I've been experiencing a glitch for a while now where the app automatically logs me out and I have to log back in.
AceBreakz
So far I've had a good experience using the Current app. The only thing I've had issues with is the customer service. I've had excellent knowledgeable, helpful agents, and agents who are ignorant AF! Overall, I like the product that Current offers so I do recommend it if you're looking for a mobile banking app that offers a debit card, real checking account you can actually link to other accounts, and many free atm services.
Eric Whitebread
At first I was skeptical and cautious about Current. No fees? No gimmicks? There had to be a catch right? Nope! I have had Current for about 3 months now and have had zero issues. I couldn't be happier using them as my bank. I have had terrible experiences with BOA in the past so this is a breath of fresh air! Plus getting your direct deposit earlier is freaking awesome!!! If you don't need a brick and mortar location and can deal with using the free random ATMs to withdraw cash then this is it!