Build your money future

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

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Banking that builds your credit

We've made credit building simpler, safer, and smarter so now you can get credit for the banking you do everyday.

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  • Get paid faster

    Get paid up to 2 days faster with direct deposit.

  • Build credit

    Just use your Build Card and get credit for every swipe.

  • Skip the fees

    There are no monthly or annual fees to sign up.

  • No credit checks

    There's no credit checks or history required to apply.

Make the most of your money

Get paid faster, build your credit history, earn points and more, all in one place.

Spending Disclosures

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.
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Boost
your savings

Earn up to 4.00% APY on your savings, save automatically with Round-Ups, set your goals, and more.

Savings Pods Disclosures

The Annual Percentage Yield ("APY") for Current Boost 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 Boost Terms and Conditions.
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Buy and sell
crypto

Pick from dozens of coins, access money instantly, without any trading fees, all without switching apps.

Crypto Disclosures

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.
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Spend Better

  • 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.

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Save Better

  • Earn up to 4.00% APY on savings

  • Round-up for easy automatic savings

  • Savings Pods to reach your goals

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC.

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Invest Better

  • 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.

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Skip the fees

  • No monthly fees

  • No minimum balance fees

  • No in-network ATM fees

  • No bank transfer fees

Fees Disclosures

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.

Peace of mind when
money's on your mind

  • FDIC protection

    FDIC deposit insurance up to $250,000 through our partner banks.

  • Card control

    Block transactions and merchants, and pause or unpause your card instantly.

  • Privacy settings

    Keep your info safe with fingerprint & Face ID lock.

Join over 4 million members

Build your money future

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Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.