Fee-free Overdraft: Get Overdrive™ with Current

Current allows you to overdraft up to $100 with no overdraft fees when you receive a qualifying direct deposit and enable Overdrive™ on your Current Premium Account. It's the best way to start banking without overdraft fees.

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

How to get no fee overdraft:

Download the Current app from the App or Play Store.

Receive paychecks via direct deposit of at least $500/mo.

Overdrive™ limit starts at $25. Accounts are reviewed for increases up to $100.

Life happens, and when it does, it helps to have a banking account with no overdraft fees

Overdrive™ is our way of offering you no-fee overdraft, and it's the reason Current is a great choice for a banking account with no overdraft fees.

The way it works is simple

Once you sign up for a Current Premium Account and receive paychecks via direct deposit of at least $500 per month, we'll notify you when you're eligible for Overdrive™. You will then need to opt-in to Overdrive™.

No-fee overdraft should be a feature of every bank, but unfortunately, there still aren't many banks that let you overdraft without fees.

*Full Overdrive™ Terms and Conditions

You do you, and know you have Overdrive™ to kick in when you need it

Some traditional banks with overdraft protection refer to their no-fee overdraft programs as "overdraft forgiveness", but at Current, we don't really think there's anything to forgive.

You do you, and know you have Overdrive™ to kick in when you need it. We'll send you a push notification any time Overdrive™ covers your purchase and let you know your current balance. We've got you covered.

How no-fee overdraft with Overdrive™ works*

You are covered.

When a purchase exceeds your balance, Current covers the difference up to your Overdrive™ limit.

Overdrive notification.

We'll send you a push notification to let you know Overdrive™ covered your purchase and your remaining balance.

No overdraft fees.

We'll apply your next paycheck in Current to your negative balance.

*Note Overdrive ™ only will work with debit card purchases. ACH and Current Pay transfers, ATM withdrawals and checks don’t apply.

Customer Reviews

"i love using current it gives me an overdraft fee for free there is no extra charge. it easy to use and makes life easier."

"Current is the best card holder you can have. You can overdraft up to $100."

"I really love this banking app! They made everything so easy. They even have a overdraft protection that has helped saved me a few times."

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