Current: The Future of Banking 4+

Save, spend & get paid faster‪²‬

Finco Services, Inc.

    • Free

iPhone Screenshots


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.

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
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

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.

What’s New

Version 7.8.1

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.

Ratings and Reviews

4.8 out of 5
155.2K Ratings

155.2K Ratings

CbabyBhadf ,

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 so we can make sure we’re doing everything we can to help.

SC Pandanemic_2000 ,

This is the best financial app out there!

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!

jdifbtuis ,

Love the account

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.

App Privacy

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


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