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

So you can build the future of you

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

Old banks hold you back, Current moves you forward. No membership, overdraft or minimum fees. Savings with real returns. Faster paydays. Smarter tools. So you can make the most of what you've got.

Not just another debit card

A debit card that earns you points, all with no monthly fees.

Faster paydays = Better paydays

Get paid up to 2 days faster with direct deposit.

Early Direct Deposit Disclosures

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.

We'll never charge you money for not having it

We've got you covered with fee-free overdraft protection.

Get fee-free overdraft protection

Overdraft Disclosures

Please refer to Overdrive™ Features Terms and Conditions. Out of network cash withdrawal fees, third-party, and adding cash fees may apply.

Your money should reward you

Earn up to 7x the points on swipes for cash back.

Points Disclosures

Offers vary by location and are only available at participating retailers. Please check your Current Points map to see participating merchants in your area. Teen accounts do not earn points.

Earn up to 4.00% APY

Your money should make you money

Earn up to 4.00% APY on savings to grow your money faster.

Savings Pods Disclosures

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.

Do less, save more

Automate your savings easily with Round-Ups.

Learn more about saving

connected banking

Your crypto, paycheck, and savings are now all in one place.

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. All forms of investments carry risks, including the possible loss of principal. Cryptocurrency is not subject to FDIC or SIPC coverage. 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.

More coin for your dollar

Get zero trading fees so you can make the most of every dollar you put in.

More than just bit for your buck

Explore dozens of cryptocurrencies and start with as little as $1.

Make the most of what you've got

  • Spend better

    • A Current Visa debit card

    • Get paid up to 2 days faster with direct deposit

    • Fee-free overdraft protection

    • Earn points on swipes for cash back

    • 40,000+ fee-free ATMs

    • Gas hold removals

    • Mobile check deposit

  • Save better

    • Earn 4.00% APY on savings

    • Round-up for easy automatic savings

    • Savings Pods to reach your goals

  • Invest better

    • Buy & sell crypto with zero trading fees

    • Pick from dozens of popular coins

    • Get in with as little as $1

    • Access cash from crypto trades/sales instantly

It shouldn't cost you money to use your money.

  • No minimum balance fees

  • No overdraft fees

  • No bank transfer fees

  • No in-network ATM withdrawal fees

  • No instant transfer fees with Current Tags

Do even more with your money

Insights insights

Keep track of your spending with Insights. You can break down your spend by category, compare money in and money out to make sure you're hitting your budget, or look back at how you're using your money month over month.

Current Pay current pay
Current Pay

Send and receive money with your friends and family. Enter their Current Tag, and instantly move money. Current Pay works both ways: request money to split the check, or pay someone back early.

Notifications notifications

Stay up to speed with notifications every time you use your Current Visa debit card. Get information on your balance, where you've used your card, and helpful tips.

Industry standard security, anything but standard app.

  • FDIC Protection

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

  • Card control

    Block transactions and merchants, pause & unpause your card immediately.

  • Privacy settings

    Keep your info safe with fingerprint/face ID lock.

Join over 4 million members

  • 5 StarsBest card I ever had no overdraft fees get my deposit 2 days early as they say. I love it ♥️
    App Store
  • 5 StarsBeen with Current for quite some time now. Overall great experience! Love the option to chat with support within the app for any issues. Really love that Current is now offering Cryptocurrency! Really awesome guys!!
    Google Play
  • 5 StarsIf your looking for an alternative to banking and you want to save seamlessly, Current is your best friend. Transferring money to and from your account is really easy.
    App Store
  • 5 StarsThis is the best fintech "bank" account, better than Chime and Citi combined, and as good as CapOne 360!
    Google Play
  • 5 StarsThe features are terrific. My Current account makes banking easy and simple. Love the modern touches which are actually relevant and useful. Staff is friendly too. Very happy!
    App Store
  • 5 Starslove this card! you get paid early and have overdraft protection, customer service are always pleasant and helpful
    Google Play

Find out what your money can do