Current: The Future of Banking

Current: The Future of Banking

By Finco Services, Inc.

  • Category: Finance
  • Release Date: 2016-04-05
  • Current Version: 7.1.0
  • Adult Rating: 4+
  • File Size: 113.26 MB
  • Developer: Finco Services, Inc.
  • Compatibility: Requires iOS 15.0 or later.
Score: 4.75176
From 150,678 Ratings


Current is the future of banking. Spend, save, and manage your money better with our mobile banking app and Visa credit and debit cards so you can 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, and Cross River Bank, Member FDIC. Join over 4 million members that trust Current & sign up today. WITH CURRENT YOU CAN BUILD CREDIT: Use your Build Card to build credit safely with every swipe, no credit checks or history required. ACCESS CASH: Qualify for up to a $500 Paycheck Advance⁶ SKIP THE FEES: Get fee-free overdraft & fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.¹ GET PAID: Payday comes up to 2 days faster with direct deposit.² SAVE: Earn up to 4.00% annual bonus on your savings with a qualifying direct deposit.³ GET REWARDED: Get up to 7x the points and cash back on swipes.⁴ GET HELP: 24/7 support & chat in the app. TEEN ACCOUNT BENEFITS SPEND: Get instant money transfers from parent to teen, spending notifications, and set automated allowance payments. STAY SAFE: Parental controls let you pause the card directly in the app, set spending limits, and block merchants. No minimum requirement to open any account. Teen accounts must be linked to a parent’s account through the app. ¹ Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees. ² 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. ³ Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. Refer to Current Boost Terms and Conditions at ⁴ Points available at participating merchants. Teen accounts do not earn points ⁵ Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. ⁶ 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. Refer to Paycheck Advance Terms and Conditions at The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.



  • Review

    By zachryattac
    Great app and financial services. Took some patience but well worth all that current provides, from the current credit card to over draft and even paycheck advances now!!
  • Loving this card

    By TanyaLeeAnn
    Works like a credit card, but is based off my pay check. Only had it a couple months, but is already boosting my credit score. Definitely recommend!
  • Very good app.

    By rush1201
    Very good app
  • Top 3 in online banking

    By Tazo223
    Since I gotten this app it’s been non but love
  • Kinda dumb you can only use ur number

    By Realspider321
    Kinda dumb you can only use a phone number to log in I no longer have access to that number plus the only way to get in touch with them is to be in the app but their app logged me out so I can’t contact them maybe make it so we use email or something to log in like normal people!
  • Good bank

    By Dreamybohemi Alist 95
    Awesome bank
  • Fire for building credit

    By LilJeer_1
    Love it here
  • issues appear to be fixed

    By bybyby33bty
  • The best

    By Paper chasing D
    I love how current allows instant money never delays and is consistent
  • Gorgeous design

    By proustisn
    A very intuitive interface and fully featured spending account . Good for dyslexia and just generally east to navigate. Perfect for a first account.