Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
We've made credit building simpler, safer, and smarter so now you can get credit for the banking you do everyday.
Get paid up to 2 days faster with direct deposit.
Just use your Build Card and get credit for every swipe.
There are no monthly or annual fees to sign up.
There's no credit checks or history required to apply.
Get paid faster, build your credit history, earn points and more, all in one place.
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. Cryptocurrency services are not provided by Choice Financial Group, and cryptocurrency is not insured by or subject to the protections of the 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. 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. Please 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.
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.
Earning rates over 1x are only available on Individual Current accounts at participating merchants.
Earn up to 4.00% APY on your savings, save automatically with Round-Ups, set your goals, and more.
The Annual Percentage Yield ("APY") for Current Interest is variable and may change at any time. The disclosed APY is effective as of January 18, 2023. Qualifying direct deposit of more than $200 required for 4.00% APY. 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.
Pick from dozens of coins, access money instantly, without any trading fees, all without switching apps.
Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges, Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group. The cryptocurrency assets in your Zero Hash account are not held at Current or Choice Financial Group. Current and Choice Financial Group are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, nor Choice, is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements.) Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.
Build credit with every swipe
Get paid up to 2 days faster
Get fee-free overdraft
Earn points on swipes for cash back
40,000+ fee-free ATMs
No monthly fees or minimum fees
No credit checks or history required
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC.
Earn up to 4.00% APY on savings
Round-up for easy automatic savings
Savings Pods to reach your goals
Buy & sell crypto with zero trading fees
Pick from dozens of popular coins
Get in with as little as $1
Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and are not provided by Choice Financial Group and are not insured by the FDIC.
No monthly fees
No minimum balance fees
No in-network ATM fees
No bank transfer fees
Some fees may apply, including out of network ATM fees, late payment fees, and other fees. For more information please see Current Build Card Rates & Fees and the Current Deposit Account Agreement.
FDIC deposit insurance up to $250,000 through our partner banks.
Block transactions and merchants, and pause or unpause your card instantly.
Keep your info safe with fingerprint & Face ID lock.
Current is just flat out awesome, I highly recommend Current as a primary or a second banking account. So many great benefits!
I absolutely love this card, it's super easy to sign up and use. Love that it gives me my balance every time I use it!
This is the best fintech "bank" account, better than Chime and Citi combined, and as good as CapOne 360!
Love this card! you get paid early and have overdraft protection, customer service are always pleasant and helpful
The features are terrific. My Current account makes banking easy and simple. Love the modern touches which are actually useful.
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