Build your money future
Banking that builds your credit. We've made credit building simpler, safer, and smarter so now you can get credit for the banking you do everyday.
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Make the most of your money
Get paid faster
Get paid up to 2 days faster with direct deposit.
Build credit
Just use your Build Card and build credit with everyday purchases.
Skip the fees
No annual fees or minimum balance fees to sign up.
Turn any day into payday
Set up a direct deposit with Current and, once you qualify, get up to a $500 paycheck advance.
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Boost your savings
Earn a bonus of up to 4.00% annually on your savings, save automatically with Round-Ups, set your goals, and more.
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How Current Works
Spend Better
- Build credit with everyday purchases
- Get paid up to 2 days faster
- Get fee-free overdraft
- Earn points on swipes for cash back
Save Better
- Earn up to 4.00% annual bonus on savings
- Round-up for easy automatic savings
- Savings Pods to reach your goals
Invest Better
- Buy & sell crypto with zero trading fees
- Pick from dozens of popular coins
- Get in with as little as
Skip the fees
- No annual fees
- No minimum balance fees
- No in-network ATM fees
- No bank transfer fees
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.
Earn Rewards with Current
Earn Points on Swipes
Use your Current card and earn points on every purchase. Redeem your points for cash back or exclusive rewards.
- • Earn up to 15x points at select merchants
- • No limit on points you can earn
- • Points never expire
Boost Your Savings
Earn a bonus of up to 4.00% annually on your savings with Current Savings Pods.
- • Create up to 3 Savings Pods
- • Set savings goals and track your progress
- • Automatic round-ups on purchases
Join over 4 million members
Current is just flat out awesome, I highly recommend Current as a primary or a second banking account. So many great benefits!
What Our Members Say
Sarah J.
Current Member
"I absolutely love this card, it's super easy to sign up and use. Love that it gives me my balance every time I use it!"
Michael T.
Current Member
"This is the best fintech 'bank' account, better than Chime and Citi combined, and as good as CapOne 360! Love this card!"
Emily R.
Current Member
"You get paid early and have overdraft protection, customer service are always pleasant and helpful. The features are terrific!"
Join over 4 million satisfied members
Experience the future of banking with Current. Our members love the ease of use, early paydays, and great features.
Download the Current App
Get started with Current today. Manage your money, build credit, and earn rewards - all from your smartphone.
Scan to Download
Scan the QR code with your smartphone camera to download the Current app.
Learn More About Our AppWhy Choose Current?
- • No hidden fees
- • Get paid up to 2 days faster
- • Build credit with everyday purchases
- • Earn points on every swipe
- • 24/7 member support
Frequently Asked Questions
What is Current?
Current is a financial technology company, not a bank. We offer modern banking services through our mobile app, including checking accounts, savings pods, and a debit card. Banking services are provided by our partner banks.
How do I sign up for Current?
Signing up for Current is easy and takes just a few minutes. Download our app from the App Store or Google Play, provide some basic information, and you're on your way to modern banking.
Is my money safe with Current?
Yes, your money is safe with Current. Funds are FDIC insured up to $250,000 through our partner banks. We also use bank-level encryption and security measures to protect your personal and financial information.
How does Current make money?
Current makes money through interchange fees when you use your debit card, and through our premium membership offerings. We do not charge hidden fees or make money by lending out your deposits.
Can I deposit cash with Current?
Yes, you can deposit cash at over 60,000 stores nationwide, including CVS, Walmart, and 7-Eleven. There may be a small fee for cash deposits, which varies by location.
Still have questions? We're here to help.
Contact Support