Free your phone and your money

Build credit, unlock early paydays, plus your free TextNow Wireless Starter Pack, which includes a SIM card and unlimited data Day Pass, when you open an account.

How to claim your TextNow Offer

  • Sign up for Current using your TextNow phone number

  • Choose your Current card and finish creating your account

  • Receive your TextNow SIM in the mail and enjoy free nationwide talk, text, and essential data—plus one unlimited Day Pass.

TextNow Sim Offer Disclosures

In order to be eligible to receive a free SIM card and one (1) day of free Day Pass wireless service from TextNow (the “TextNow Incentive”) under this TextNow/Current promotion, you must (i) be a new Current user, who has (ii) successfully signed up for a Current account through the link current.com/sim-textnow. The SIM card will be delivered to the mailing address you use to register for your Current account. Delivery times may vary. The one day of free Day Pass service will be provided by TextNow and will begin immediately upon your successful activation of the SIM card. This free one-day Day Pass cannot be paused or extended. Upon expiration of the free one-day Day Pass, your SIM card will be automatically enrolled into TextNow’s free Essential Data service. 

This TextNow/Current promotion is jointly administered by TextNow, Inc. (“TextNow”) and Finco Services, Inc. d/b/a Current (“Current”), and TextNow and Current each retain full discretion to determine qualification for the TextNow Incentive as well as reserve the right to withhold the TextNow Incentive in the event of error, suspected fraud, illegality, or violation of these Terms and Conditions. Other restrictions may apply. The TextNow/Current Promotion is subject to change or withdrawal at any time and without notice, and is not transferable. By receiving the TextNow Incentive, you also acknowledge and agree to be bound by the applicable terms and conditions located at https://www.textnow.com/legal/terms-of-use and https://cdn.current.com/choice_account_agreement.pdf (including the arbitration provisions and class action waivers). 

These Terms and Conditions were last updated on and are effective as of 27th January, 2025.

OUR FEATURES

Do more with Current

  • Paycheck Advance

    Switch your payroll and you could qualify to get up to a $500 Paycheck Advance, if you qualify. 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.

    Learn More

  • 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. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits.

    Learn More

  • 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.

    Learn More

  • 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 $500 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.

    Learn More

  • Easy tax filing

    Easy tax filing with Current and Column. Plus, when you have your refund deposited into your Current account, you'll receive it up to 5 days faster.

    Taxes Disclosures

    Early access to tax refunds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date.

    Learn More

  • 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.

    Learn More

Get free and flexible phone service, always

  • Unlimited talk & text, plus essential data with the one-time purchase of a SIM Card.

  • Free always on data for must-have apps like rideshare, maps, and email—available when you activate your SIM Card.

  • You’re in control of your wireless service with Flexible Data Passes. Pay for what you need. No contracts.

TextNow Disclosures

TextNow data plans are subject to TextNow's Unlimited 2G Data Fair Use Policy and/or plan specific terms and conditions. Learn more at https://www.textnow.com/legal/fair-use. Speeds are not guaranteed and may vary depending on network availability and other factors. With the activation of a TextNow SIM, Free Essential Data provides users with 1GB of free data to be used for the limited purposes of using specific “essential” mobile applications, such as certain e-mail, navigation, and rideshare applications (collectively, the “Eligible Applications”). The list of Eligible Applications is subject to change at TextNow’s sole discretion, and TextNow does not guarantee the availability or classification of any mobile application as an "Eligible Application". 

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