Current: The Future of Banking
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Current is the future of banking.Spend, save, and manage your money better with our mobile banking app and Visa debit card designed to make the most of what you’ve got.
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group; Member FDIC.
Join over 3 million members that trust Current & sign up today.
INDIVIDUAL CURRENT ACCOUNT BENEFITS
SAVE: Earn 4.00% APY¹ on Savings with Pods
SKIP THE FEES: Overdraft up to $200 without overdraft fees & get fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.²
GET PAID: Payday comes up to 2 days faster with direct deposit.⁴
GET REWARDED: Get up to 15x the points and cash back on swipes.⁵
SPEND: Get a sleek black Current card⁶, spending notifications and insights, and instant money transfers with Current Pay.⁷
ACCESS YOUR $$$: Get instant gas hold removals so your funds are available right away.
STAY SAFE: Get privacy controls to protect your information, and block your card in the app.
GET HELP: 24/7 support & chat in the app.
TEEN ACCOUNT BENEFITS
SAVE: Savings Pods teach teens to set savings goals.¹
SPEND: Get instant money transfers⁸ from parent to teen, spending notifications, and set automated allowance payments.
BUDGET: Explore money management tools that help teens budget money.
STAY SAFE: Parental controls let you pause the card directly in the app, set spending limits, and block merchants.
Sign up for an Individual Current Account & Teen Account for no annual fee. No minimum requirement to open any account. Teen accounts must be linked to a parent’s account through the app.
Start using your account right away when you activate your virtual debit card.
¹The Annual Percentage Yield (“APY”) for Current Interest is variable and may change at any time. The disclosed APY is effective as of January 1, 2022. No minimum balance required. Must have $0.01 in savings pods to earn Current Interest on up to $2000 in deposits per Savings Pod up to $6000 total. Please refer to Current Interest Terms and Conditions. https://current.com/lp/savings-with-interest
² Out-of-network and International cash withdrawal fees apply. Additional third-party fees from the ATM owner may apply. Please refer to Overdrive™ Features Terms and Conditions. Learn more at cdn.current.com/choice_account_agreement.pdf
³ 60x rate calculated using the FDIC average National Deposit Rate for savings accounts of 0.06 https://www.fdic.gov/resources/bankers/national-rates
⁴ 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.
⁵ Earning rates over 1x are only available on Individual Current Accounts at participating merchants.
⁶ Banking services provided by Visa® Debit Card issued by Choice Financial Group, Member FDIC,
pursuant to a license from Visa U.S.A. Inc and can be used everywhere Visa debit cards are accepted.
⁷ It is possible that technical issues may cause delays, but this is not to be expected.
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