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.

Key Features:

• BUILD CREDIT: Use your Build Card to build credit while you bank, no credit checks required


• PAYCHECK ADVANCE: Qualify for up to a $750 Paycheck Advance with no mandatory fees


• SKIP ATM FEES: Get fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.


• FASTER DIRECT DEPOSITS: Payday comes up to 2 days faster with direct deposit


• BE COVERED: Access fee-free overdraft up to $200


• SAVE: Earn up to 4.00% annual bonus on your savings


• GET REWARDED: Earn 1x points for every dollar spent at any grocery store or restaurant


• GET HELP: 24/7 support in the app

Additional Information:

For full terms and conditions, visit current.com/docs. For more info, check out current.com/legal_disclaimers

*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.

Out of network ATM fees of $2.50 per transaction may apply except at Allpoint ATMs in the U.S.

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.

The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023.

Boost Terms:

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 $200.

Points Terms:

Points expire 365 days after settling. Actual overdraft amount may vary at Current's sole discretion.

Fee-free Overdraft Terms:

Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance.

Paycheck Advance Terms:

Expedited disbursements may take up to an hour.

The Current Visa Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. A Current deposit account is required to apply for the Current Visa secured charge card. Independent approval required.