Power up your paycheck when you switch to Current. Get paid faster, save smarter, and build credit with ease—all in one app. Join over 6 million members already banking with Current today.
With Current you can:
— Advance up to $750⁶: Access more of your paycheck if you qualify.
— Overdraft fee-free⁵: Breeze from payday to payday without hidden fees.
— Get paid up to 2 days early²: Receive your direct deposit as soon as your employer sends it.
— Build credit while you bank.
— Earn 1% cash back on dining and groceries⁴.
— Enjoy 24/7 member support.
— Access 40,000+ fee-free ATMs nationwide¹.
— Add cash in-store at locations like CVS, Walgreens, and McDonald’s.
— Earn up to a 4.00% bonus on savings³ and save automatically with Round-Ups.
See current.com/docs for full terms and conditions and current.com/legal_disclaimers for more info.
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/or Cross River Bank, Member FDIC.
¹ Most AllPoint® ATMs are fee-free. To see if an ATM qualifies for fee-free ATM transactions, please check the Mobile App.
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. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control.
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. No minimum balance required. 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%, you must receive at least one Eligible Payroll Deposit equalling a minimum of $200 over a 35-day period. T&C: current.com/boost_terms_of_service
⁴ For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. T&C (including specific eligibility criteria): current.com/current_points_terms_and_conditions
⁵ Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct 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. T&C: current.com/overdraft_protection_terms_of_service
⁶ For eligible customers only. Paycheck Advance is offered by Finco Advance LLC, a financial technology company, not a bank. T&C: current.com/docs/paycheck_advance_terms
I’m only putting five stars because I can’t give 0 and people need to see this. Thought I’d try it out even though I was skeptical about it. I’ve been getting paid by my job 2 days prior ever since I switched to Dave and Albert. However, I wanted to try Current out. My job makes it very easy for its employees to switch accounts and add accounts whenever we want too, so last week I got my first check through Current while having a basic account I could see that on my normal payday of Tuesday the check was pending and it was released the next day, well this week I had a premium account which they actually do promise to deliver your check 2 days before your actual payday. Well yesterday I waited all day for my check to show up in the account, I mean there isn’t a check pending or anything. I’ve talked to 3 customer service representatives 2 had very bad attitudes because I had the most basic of questions and because once I found out that being a premium account holder sucked because you don’t get your check any earlier, I asked to go back to basic because premium cost 4.99/ mos. I’m probably just over the top and I don’t care because I don’t play about my money, so if you promise 2 days in advance you should deliver that. I’m going back to Dave because my savings accounts got paid yesterday. Just don’t do this to yourself you guys, if your use to getting paid 2 days before your actual payday just don’t do Current.
Developer Response
Hi there, we really appreciate you taking the time to share your experience. We’re always trying to improve our product and your feedback is crucial to doing that. The good news is we no longer charge a monthly fee! This means you can now access all our premium features at no extra cost. Faster direct deposit is one of those, so we’re sorry about the hold-up on your paycheck. While our goal is to get you paid as quickly as possible there are unfortunately sometimes delays we can’t control. We know this can have a huge impact on our members’ lives, so please email us at reviews@current.com so we can make sure we’re doing everything we can to help.
Love the account
jdifbtuis
I always get paid earlier than my actual payday. Sometimes the issuing bank will place a deposit hold on funds so that they cannot go to my current account until that electronic hold releases the funds. That hold time can vary just by the payroll person alone doing the direct deposits at your place of employment. I want Current to remain solvent so that is ok with me. I do have an issue with the amount of money you can deposit via checks. The limit is &2,000. Twice now I have had checks issued to me for over $2,000 with no ability to cash them. The last time I had to turn the check back in to the issuing party and have them write me 3 checks for less than $2000, which took an entire month. I deposited one check and it takes them longer than the usual 3 days to get to and be cleared by the Federal Reserve. It has been 2 business days and my single check I deposited still hasn’t cleared and I am expecting it will take another 3 days before the funds are in my account. It is an out of state -for me-bank so today I am driving an hour and half to cash the other two checks. When I get there I will have to present the checks to the bank, wait for them to call the issuing party to approve them and IF they get back to the bank in a timely manner I can get my money and drive back home. This will cost me a day and $50 in gas and food eating out for the day. This is the biggest inconvenience of this account. They need to fix this.
This is the best financial app out there!
SC Pandanemic_2000
I have been using this app for years and it has only gotten better, with the new build card I have started to build credit and being able to have 4% apry for all 3 of my savings accounts means I am making about $1 a week on average just for having money that I would be saving up anyways. It’s also great to be able to still have access to my money with a virtual card even if I need to replace my old card(s) which I just did last month just because they’re getting old. It’s also nice to be able to send others money with the tap of a button and receive money from them just as easily. It’s safe secure and support will do everything they can to try and solve your problems and answer your questions. Your money is available anytime anywhere and you can easily turn your cards on/off anytime you might need to and block specific transactions or brands with a single tap. You can also use the Fee Free ATM Lovator to find the nearest ATMs that won’t charge you a fee to use them. You can deposit cash through some stores like Dollar General straight into your accounts. You can get fee free overdraft up to $200 when you have monthly direct deposits, you never get charged for using the overdraft if you ever need to use it. There are so many great features that you can’t get with a physical bank that make this app great and it makes saving money and building credit easier than anywhere else!
Cash-Out of CashApp and Cash-In on CURRENT!
allkind2ya
This mobile banking app destroys all the others for many reasons! Not just 1. If your like me who’s like Every1 else who was excited about the idea of a mobile bank account fully controlled by app on your phone then you more than likely started with CashApp. But as time went on more mobile banking apps were born and I was a bit skeptical to venture outside of the original however cash app had many flaws and let’s not get into the constant denial of payments and transfers of MY MONEY it’s mine and should be able to do what I want when I want to without getting a 🚫constantly! So I tried chime which was a lot better than cash app for one reason which was no 🚫’s all the time but I wondered if this was good maybe something else could be better?.. that’s when I decided to try current and OMG 🤯 this app is the Holy Grail of mobile banking apps for MANY reasons I can’t list them all but just a taste: you can BLOCK any brand or company from ever making another charge to your account at the push of a button it’s AMAZING! So you tried an infomercials vitamins because you like the promises, it absolutely didn’t live up to it’s promises, you attempt to call and cancel as it promises you can do with ease, you get a run around or BS that has no end and no way to stop the monthly charges. Well Current puts the light at the end of the tunnel *Block Brand* boom take that Scammy infomercial. Current is the Answer to mobile banking apps. Thank you for your presence in this sketchy financial institution world we all live In. Your my hero!! :)
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.
Version 8.6.1
The developer, Finco Services, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Location
Contact Info
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Finco Services, Inc.
Size
143.8 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
iPhone Requires iOS 17.0 or later.
Apple Vision Requires visionOS 1.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.
Languages
English
Age Rating
13+
13+
This app has an age rating of 13+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.
