Terms and Conditions: For existing Current Individual Account users (the “User”) to qualify for a $50 point reward (the “ Payroll Reward”), the following conditions must be met. Eligible Users must have funded their Current account before, and must have not received a qualifying direct deposit as described below. Users must maintain a Current Individual Account and receive a qualifying Payroll Direct Deposit of $200 or more within the first 30 days of being offered the Payroll Reward. A Payroll Direct Deposit must be made by an employer or payroll provider by ACH deposit. Transfers from Paypal, Zelle, Venmo, Square, GooglePay, Cash App, or similar peer to peer transfer services, one-time direct deposits (such as tax refunds), mobile check deposits, and cash loads do not qualify as a Payroll Direct Deposit. Current retains full discretion to determine qualification for the Payroll Reward. The Payroll Reward should be paid to the User’s account within ten (10) business days after a qualifying Payroll Direct Deposit is first deposited into the User’s account, although delays may occur. To receive the Payroll Reward, the User’s account must not be closed or restricted, and must be in good standing at the time of payment of the Payroll Reward. Current reserves the right to cancel or modify the terms of any Payroll Reward offer or terminate a member's eligibility at any time with or without prior notice. Teen Accounts are not eligible to receive the Payroll Reward. Aggregate Payroll Rewards and all other Current rewards totaling $600 or more in a calendar year will be reported on tax form 1099-MISC for Referrers. Banking services provided by Choice Financial Group (Member FDIC), The Current debit card is issued by Choice Financial Group, pursuant to a license from Visa U.S.A. Inc.

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