Current is a mobile banking app with a Visa debit card that gets you paid up to two days faster* with direct deposit and gives you free overdraft up to $100 with no hidden fees. Current Members can earn up to 15x points on purchases that are redeemable for cash back and have access to over 55,000 fee-free in-network ATMs, instant gas hold refunds as well as 24/7 support.
At Current, we believe our members should spend their hard-earned money on the things that matter most to them, and not on unnecessary fees and requirements, because we’re committed to providing premium banking to everyone and improving financial outcomes. We’ve got your back with up to $100 in free overdrafts with Overdrive™ and we deliver your paychecks up to two days faster* when you sign up for direct deposit because while there are plenty of things in life worth waiting for, we don’t think your money should be one of them.
Signing up takes just two minutes and there is no minimum balance requirement to open or maintain an account. We’ll then ship your new card for FREE. Join the Current Community today!
-GET paid up to 2 days faster with direct deposit
-FREE overdraft up to $100 with Overdrive™
-NO minimum balance requirement
-NO hidden fees
-EARN points from purchases and get cash back
-FREE cash withdrawals from 55,000 in-network Allpoint ATMs worldwide
-INSTANT gas hold refunds at the pump
-MOBILE banking w/ instant spending notifications
-SAVINGS PODS to help you automatically save money
-DEPOSIT checks easily using your phone’s camera or add cash at 60,000 stores
-INSIGHTS personalized to track where and how much you spend
-INSTANT free, money transfers using Current Pay
-APPLE PAY® supported
-TEEN accounts for those under 18
-BLOCK transactions from specific merchants
-SECURITY of an EMV chip on each debit card and the latest technology
-PRIVACY controls of Touch ID® and Face ID®
-SUPPORT 24/7 (even on holidays!)
We offer transparent pricing: A Basic banking account is free and a Premium banking account is $4.99 per month. A Teen account is $36 per year. It’s free to sign up for Current and all accounts start with a 30-day free trial.
For Teen accounts, parents link their Current app with their teen’s app and set the card’s spending limits, have full visibility into purchases and balances with real-time alerts and can instantly transfer money onto the card.
*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 payer’s support of the feature and timing of payer’s funding.
Banking services provided by Choice Financial Group, 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.
It's a Current x MrBeast collab! Update to the latest version of Current for exclusive content from our new partnership.
Ratings and Reviews
Easy but not helpful
Current is ok only reason I’m writing three stars is because customer service is honestly garbage. And they promote that there was $100 overdraft which honestly that’s not true at all.
But back to my original complaint about customer service I had an unauthorized use and someone used a little cash out of my account and when I contacted support they basically said it would take three to six months to get that payment back after I fill out a mountain of paperwork and all that they could do is cancel my card and send me another one, but in the process they canceled the wrong card so I was stuck out and they did not ship the new card faster they basically told me to deal with it or use another Bank to link a virtual card so I can pay for stuff for my kids .they were not helpful and honestly I won’t be with them for much longer .only good thing is you will get your paychecks faster and tax return fast but outside of that it’s really nothing good.
And if you change your phone number it is basically impossible for you to get back into your account even if you have an email link to it and they did nothing to help my wife she is still locked out of her current and the money is still sitting in there so basically they said deal with it so Hope this helps dudes
Developer Response ,
Hi there, thank you for your review. Customer service is incredibly important to us here at Current & we apologize that we were unable to provide you with exceptional service. Customer feedback is valuable to us as we continue to grow & improve the products & services we offer. Should you still need help with any of the issues you mentioned or if you have additional feedback you'd like to share with our team, feel free to contact us email@example.com from the email address linked to your account.
Hacked and customer service no help
Update** Three days later and the hackers are still attempting to use my daughters account, despite our reporting to Current the issue, and changing passwords several times. I had to have my parent side of the account removed completely to stop the scammers from trying to deposit money from my end. The scammer also tried to scam my younger daughters card as well. Lucky for us she had ignored the calls/texts before anything happened.
Original review: The card we have for our kids got compromised. The hackers/scammers were very smooth. Had all of us fooled. The company isn’t being very helpful at this moment about returning the money, either. And even after contacting them about the fraud, somehow these scammers are still trying to use my account to steal money through my kids’ compromised account. I can’t remove the linked checking. Can’t pause it from making Deposits. It should only be allowing access via my Face ID, yet they still got in again. Looks like this is a new frequent issue for current users with these scammers yet no warning was sent out about this new scams. I do NOT recommend anyone use Current cards for your kids. They need to do better about security and be better about returning fraudulently stolen money and about earning customers when new scams are on the rise. We’ve been working with them for over two hours and there’s still no real resolution
Developer Response ,
We take your account’s safety seriously and we are always here for you whenever you have any questions or concerns. Please do not share any account information with anyone you don’t know or trust. We will never reach out to you and ask you to provide us with your login details or any verification codes sent via text message, during a phone call or via social media private messages. For further assistance, please send us an email at firstname.lastname@example.org. We'd be happy to take a further look into this.
Good idea, needs work
I started free trials for two competing debit card companies, and this one came in second. It takes a full day to transfer funds from my bank account into my parent wallet in the app! That was way too long. I need the money there instantly. I debated this card in the first place because I wanted the chores to be checked off and payment to the kids to be made only if chores were done, but it is not a simple integration. Once you create the chores, you can’t edit them, so even if there is a typo, you are stuck with it! You can’t change the order that the chores appear for each day, and there isn’t a check box to check them off when they’re done. I started by creating a separate chore for EACH action I wanted done, but it takes up most of my screen to show one chore, and with three kids and at least 15 chores each, it wasn’t worth it. I decided to go with another card that does not have the chore option, but transfers to my parent wallet immediately, does not require such an elaborate password to get into the app (how about a PIN or fingerprint?), and I can turn each card on or off any time with only two clicks instead of three. If I think it’s lost? Off. If I can’t find it? Off. Kids have it safe in their wallet? On. Current does not have that option without reporting it stolen.
Developer Response ,
Hello, Thank you for your feedback. I'd like to clarify some confusion: (1) We will be introducing instant transfers any day now. (2) We are aware of the chores function, and it is something that we are working on. (3) However, you CAN turn your teen's card ON and OFF with Current (without reporting it as lost).
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
- Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Finco Services, Inc.
- 178 MB
- Requires iOS 11.0 or later.
- iPod touch
- Requires iOS 11.0 or later.
- Age Rating
- This app may use your location even when it isn’t open, which can decrease battery life.
- © 2021 Finco Services, Inc.
With Family Sharing set up, up to six family members can use this app.