Current: The Future of Banking | unitQ Score

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. 

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% APY³ on your savings with Pods when you receive and maintain a qualifying direct deposit.

GET REWARDED: Get up to 7x the points and cash back on swipes.⁴

SPEND: Get spending notifications and insights, and instant money transfers with Current Pay.

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.

SPEND: Get instant money transfers 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.

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 credit or debit card.

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. Please refer to Overdrive™ Features Terms and Conditions at https://current.com/docs/
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 The Annual Percentage Yield ("APY") for Current Interest is variable and may change at any time. The disclosed APY is effective as of July 1, 2023. Qualifying direct deposit of more than $200 required for 4.00% APY. 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/docs
⁴ Teen accounts do not earn points

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.