Make the most of your money

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Get paid up to 2 days faster

When it comes to your paycheck, every day matters. With direct deposit you can get your paycheck up to 2 days faster, so you get the money you need exactly when you need it.

Early 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.

Fee-free overdraft

Life happens, and overdrafts do too. We never charge you money for not having it. Just set up and receive a qualifying direct deposit to get fee-free overdraft, so you know you’re covered.

Overdraft Disclosures

Please refer to Overdrive™ Features Terms and Conditions. Out of network cash withdrawal fees, third-party, and adding cash fees may apply.

Earn points on swipes

Get rewarded and spend smarter. Earn up to 7x the points on card swipes at over 14,000 participating merchants, then redeem them for cash back in your account.

Points Disclosures

Offers vary by location and are only available at participating retailers. Please check your Current Points map to see participating merchants in your area. Teen accounts do not earn points.

Skip the fees

We'll never charge you money to use your money. Simple as that.

  • No minimum balance fees

  • No overdraft fees

  • No bank transfer fees

  • No in-network ATM withdrawal fees

  • No instant transfer fees with Current Tags

Get the whole family on Current

Give your kids the financial freedom they want, with the visibility and security you need. Transfer money directly to your teen's account, assign chores, get notifications when they swipe, or block merchants.

Teen Banking Disclosures

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

Do even more with your money

  • Gas hold removals

    Gas stations put a hold on your account to make sure they receive payment. We instantly remove those holds on your card so your money is available to you right away.

  • Mobile check deposit

    Time is money. We help you save more of both. Just take a picture of your check in the Current app and we'll add the funds to your account without having to go to a bank or ATM.

  • Spending insights

    Spend smarter with money management tools like Insights that help you track your spending, and budget your money.

  • 40,000+ fee-free ATMs

    It shouldn't cost you money to get your money, so we give you access to over 40,000 in-network Allpoint ATMs without fees.

Join over 4 million members

  • 5 StarsBest card I ever had no overdraft fees get my deposit 2 days early as they say. I love it ♥️
    App Store
  • 5 StarsBeen with Current for quite some time now. Overall great experience! Love the option to chat with support within the app for any issues. Really love that Current is now offering Cryptocurrency! Really awesome guys!!
    Google Play
  • 5 StarsIf your looking for an alternative to banking and you want to save seamlessly, Current is your best friend. Transferring money to and from your account is really easy.
    App Store
  • 5 StarsThis is the best fintech "bank" account, better than Chime and Citi combined, and as good as CapOne 360!
    Google Play
  • 5 StarsThe features are terrific. My Current account makes banking easy and simple. Love the modern touches which are actually relevant and useful. Staff is friendly too. Very happy!
    App Store
  • 5 Starslove this card! you get paid early and have overdraft protection, customer service are always pleasant and helpful
    Google Play

Find out what your money can do