Skip the overdraft fees with Overdrive™

Current lets you overdraft up to $200¹ with no overdraft fees, so you’re covered. Just set up direct deposit, receive a qualifying deposit, and enable Overdrive™ on your Current Account.

Sign up in less than 2 minutes

App Store Google Play
Overdrive hero

How to save on overdraft fees

Download the Current app from the App or Play Store.

Sign up for a Current Account.

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

Overdrive™ limit starts at $25. Accounts are reviewed for increases up to $200.¹

Get free from overdraft fees up to your approved limit.²

overdraft - overdrive setup

Keep your money where it matters – in your pocket.

Other banks hold you back with overdraft fees and penalties, but Current helps move you forward. With Overdrive™ you’re covered up to $200¹ if you overdraft.

overdraft - overdrive phone confetti

When life happens, know you’re covered with no overdraft fees.²

With your Current Visa debit card, you’ve got the safety net you need to go about your life with peace of mind. Never worry about necessities like buying groceries or paying bills costing you even more on overdraft fees.

Current Card Pocket

Swipe worry-free with no overdraft fees.²

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, so you know we’ve got you.

overdraft - overdrive increase your limit

Overdrive™ in action.


We’ve got you covered

When a purchase exceeds your balance, we’ll cover the difference up to your Overdrive™ limit.¹


We’ll keep you updated

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

overdrive 3

We’ll keep you moving

We'll apply the next deposit in your account to your negative balance, so you don’t have to worry about penalties or late fees.²

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

Customer Reviews

Google Play 5 Stars

" 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. "

Google Play 5 Stars

" Current is the best card holder you can have. You can overdraft up to $200. "

Google Play 5 Stars

" 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. "

Join over 4 million members
Get Current

You're almost in

Sign up and we'll send you a link to download the app and finish setting up your account.