Current is the future of banking. Spend, save, and manage your money better with our mobile banking app and Visa debit card designed to 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.
Join over 4 million members that trust Current & sign up today.
INDIVIDUAL CURRENT ACCOUNT BENEFITS
SAVE: Earn 4.00% APY¹ on Savings with Pods
SKIP THE FEES: Overdraft up to $200 without overdraft fees & get fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.²
GET PAID: Payday comes up to 2 days faster with direct deposit.⁴
GET REWARDED: Get up to 15x the points and cash back on swipes.⁵
SPEND: Get a sleek black Current card⁶, spending notifications and insights, and instant money transfers with Current Pay.⁷
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.¹
SPEND: Get instant money transfers⁸ 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.
Sign up for an Individual Current Account & Teen Account for no annual fee. No minimum requirement to open any account. Teen accounts must be linked to a parent's account through the app.
Start using your account right away when you activate your virtual debit card.
¹ The Annual Percentage Yield ("APY") for Current Interest is variable and may change at any time. The disclosed APY is effective as of January 1, 2022. No minimum balance required. Must have $0.01 in savings pods to earn Current Interest on up to $2000 in deposits per Savings Pod up to $6000 total. Please refer to Current Interest Terms and Conditions. https://current.com/lp/savings-with-interest
² Out-of-network and International cash withdrawal fees apply. Additional third-party fees from the ATM owner may apply. Please refer to Overdrive™ Features Terms and Conditions. Learn more at cdn.current.com/choice_account_agreement.pdf
³ 25x rate calculated using the FDIC average National Deposit Rate for savings accounts of 0.13 https://www.fdic.gov/resources/bankers/national-rates
⁴ 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.
⁵ Earning rates over 1x are only available on Individual Current Accounts at participating merchants.
⁶ Banking services provided by Visa® Debit Card issued by Choice Financial Group, Member FDIC,
pursuant to a license from Visa U.S.A. Inc and can be used everywhere Visa debit cards are accepted.
⁷ It is possible that technical issues may cause delays, but this is not to be expected.
You can now see all your promotions in one place! Check out the Rewards section in the You tab to see rewards you’ve received and available promotions.
Ratings and Reviews
It’s really 0 stars for me
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 firstname.lastname@example.org so we can make sure we’re doing everything we can to help.
Much Better Banking Experience
I’m so glad that I came across Current in November last year. I had just closed my BofA account after being fed up with their mercilessness and greed. For example, I would get slammed with $35 overdrafts and customer service never cared if it was because I had lost my income during the lockdown or if my overdraft was .28 cents below. They took that money like their lives depended on it (talking about one of the largest banks out there). Then they started tacking on an unreasonable $12/month “maintenance fee” after I got a job where direct deposit wasn’t an option. After losing $60 to these fees, I switched to Current and it’s been great.
I also appreciate their check deposit feature and how quick it was to set things up. I tried Venmo before and verification never worked despite having valid ID. And customer service would tell me to call an outside company who would then tell me to contact Venmo CS. I got fed up after not being given an answer for a week.
Current isn’t perfect however. Check deposits can take up to a week and the estimated date that the funds will be available isn’t accurate, but at least deposits take less time the more you use the function and customer service actually responds within minutes instead of days to your questions.
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.
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.
- 181.3 MB
- Requires iOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Age Rating
- This app may use your location even when it isn’t open, which can decrease battery life.
- © 2022 Finco Services, Inc.