Get more for your paycheck

Qualify for up to a $750* Paycheck Advance, build your credit, plus direct deposits up to 2 days early¹.

OUR FEATURES

Power up your paycheck

  • Paycheck Advance

    Switch your payroll and you could qualify to get up to a $750 Paycheck Advance. Get instant access for a fee, or get it within 3 business days for free.

    Paycheck Advance Disclosures

    Paycheck Advance is for eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. For more information, please refer to Paycheck Advance Terms and Conditions.

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  • Build credit

    Build credit using only the money in your account and enable AutoPay so you never miss a payment.

    Credit Building Disclosures

    Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

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  • Fee-Free Overdraft

    Just set up and receive a qualifying direct deposit to get access to fee-free overdraft, so you're covered no matter what.

    Fee-free Overdraft Disclosures

    Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

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  • Get paid faster

    When you direct deposit, get your paycheck up to 2 days faster, so you get the money you need exactly when you need it.

    Faster 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. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control.

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  • Savings Boost

    Earn up to 4.00% boost on your savings. Plus, save automatically with round-ups, set your goals, and more.

    Savings Pod Disclosures

    Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, you must receive at least one Eligible Payroll Deposit equalling a minimum of $200 over a 35-day period. For more information, please refer to Current Boost Terms and Conditions.

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  • Invest in crypto

    Buy and sell crypto without trading fees, so you can make the most of every dollar you put in.

    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 or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current,  Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank 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.) Zero Hash LLC and Zero Hash Liquidity Services are 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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  • Teen Banking

    Give teens their very own debit card: empower your kids with automatic allowances, instant transfers, and real-time spending alerts.

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How to claim your MrBeast promotion

  • Sign up for Current

  • Enter promo code BEAST

  • Get a dollar!

Mr Beast Offer Disclosures

NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR TO WIN. A PURCHASE DOES NOT IMPROVE ONE’S CHANCES OF WINNING. VOID WHERE PROHIBITED BY LAW.

 The Current Mr. Beast Promotion (the “Promotion”) is sponsored by FinCo Services Inc. d/b/a Current, 217 Centre Street #180, New York, NY 10013 ("Current"). 

To qualify for a $1 limited-time promotional reward (the “Reward”), the following conditions must be met:

  • The Promotion is open only to individuals who: (1) are legal residents and physically located in the United States; (2) are at least eighteen (18) years of age at the time of entry; (3) have a valid U.S. Current account in good standing or sign up for a new Current account, and (4) have either a valid Social Security number and/or a valid U.S. Individual Tax Identification Number. Limit one (1) award per valid Social Security number and/or valid U.S. Individual Tax Identification Number.

  • The user must apply the unique Mr. Beast Promotion code provided by Current.

The Reward will be paid to the user’s Current Account within ten (10) business days after the user applies the referral code, although delays may occur. To receive the Reward, the user’s Account must not be closed or restricted, and must be in good standing at the time of payment of the Reward. At any time, without or without notice, Current reserves the right—in its sole discretion—to: (i) cancel or modify the terms of any Reward offer, (ii) terminate a member's eligibility for a Reward, or (iii) invalidate and/or reverse the payment of a Reward if Current determines or believes that such Reward was received through error, fraud, illegality, or in violation of these terms and conditions or any other applicable agreement between the user and Current. The aggregate of all Current rewards received by each Current user totaling $600 or more in a calendar year will be reported on tax form 1099-MISC. Banking services, as applicable, provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC.

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  • 40,000+ fee-free ATMs nationwide

  • Easy cash deposits in-store

  • Convenient locations like CVS, Walgreens, and McDonalds

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  • Current is just flat out awesome, I highly recommend Current as a primary or a second banking account. So many great benefits!
  • I absolutely love this card, it's super easy to sign up and use. Love that it gives me my balance every time I use it!
  • This is the best fintech "bank" account, better than Chime and Citi combined, and as good as CapOne 360!

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