Banking with No Overdraft Fees: Overdrive™ | Current

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.

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Banking services provided by Choice Financial Group, Member FDIC
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How to get no fee overdraft:

Download the Current app from the App or Play Store.

Sign up for a Current Premium Account.

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

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

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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.

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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.

Current Card Pocket

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.

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How no-fee overdraft with Overdrive™ works*

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You are covered.

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

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Overdrive notification.

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

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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

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"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."

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

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"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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Banking services provided by Choice Financial Group, Member FDIC