Build credit while you bank

We're making credit simpler, safer, and seamless.

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  • Get credit for every swipe

    Just use your card, even at the ATM, to build credit with every swipe, earn points, and more.

  • Build credit not debt

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

  • Credit for everyone

    No matter what your credit history, there are no credit checks required to apply and build credit.

Get paid up
to 2 days faster

With direct deposit 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.

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Just set up and receive a qualifying direct deposit to get fee-free overdraft, so you're covered.

Fee-free Overdraft Disclosures

Please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.

Earn points
on swipes

Earn up to 7x the points on card swipes at over 14,000 participating merchants, then redeem them for cash back.

Points Disclosures

Earning rates over 1x are only available on Individual Current accounts at participating merchants.

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from fees

  • No minimum balance fees

  • No in-network ATM fees

  • No bank transfer fees

  • No monthly fees

Fees Disclosures

Some fees may apply, including out of network ATM fees, late payment fees, and other fees. For more information please see Current Build Card Rates & Fees and the Current Deposit Account Agreement.

Do even more
with your money

  • Gas Hold Removals

    We remove the holds gas stations put on your account to ensure payment, so your money is available to you instantly.

  • Mobile Check Deposit

    Time is money, so we help you save more of both. Use the Current app to deposit a check without going to a bank or ATM.

  • Spending Insights

    Spend smarter with money management tools that help you track your spending so you can budget your money better.

  • 40,000+ Fee-Free ATMs

    You shouldn't have to pay to take out your own money, so we give you access to over 40,000 fee-free in-network Allpoint ATMs.

Get the family
on Current

With Teen Banking, give your kids the financial freedom they want, with the visibility and security you need.

  • No minimum balance fees

  • No in-network ATM fees

  • No bank transfer fees

  • No monthly fees

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Build credit
now to build
your future

Whether your sights are set on a new car, owning a house, or even starting your own business one day, building credit is essential to get closer to your dreams.

How to build
credit with Current


  • What is a secured credit card?

    A secured credit card is a type of credit card that requires a security deposit as collateral. It is typically used by individuals with limited or poor credit history to establish or rebuild their credit.

  • How is a secured credit card different from a regular credit card?

    The main difference between a secured credit card and a regular credit card is the security deposit requirement. With a regular credit card, you don't need to provide collateral, and your credit limit is determined by your creditworthiness. Secured cards are specifically designed for individuals with limited or poor credit, while regular cards are available to those with established credit histories.

  • How is the Build Card different from other secured credit cards?

    Unlike other secured credit cards, with the Build Card you can simply add money to your Current Account, and your Spending balance will be updated. Theres no need to load money onto your Build Card separately. On top of that, you'll still get access to all the other great benefits from having a Current Account, from early access to your paycheck, to fee-free overdraft.

  • What is the required security deposit for the Build Card?

    There is no required minimum security deposit for the Build Card. Whatever money is added to your Current Account counts towards your Spending balance, whether it's $1 or $10,000.

  • What happens if I miss a payment on my secured credit card?

    Consistently paying your Build Card balance on time helps build your credit history, but missing a payment or paying late can hurt it. With AutoPay enabled, your outstanding balance will be automatically covered by your Reserved Funds - so you never have to worry and can build credit safely.

  • How do I get access to my direct deposit early?

    Direct deposits are moved between banks using a system called ACH. When your employer processes payroll, an ACH file gets sent to your bank indicating when funds should be made available - typically after a two day hold. At Current, we believe you deserve your hard-earned money ASAP, so we release your paycheck to you as soon as we receive it. This is how we get you your paycheck early.

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

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