Current Logo
Loading TrustPilot


The Bank for Modern Life
Current offers a bank account, debit card, and mobile app to fulfill the needs of modern life.


Current offers mobile banking services with a debit card and mobile app designed to fulfill the needs of modern life. Offering benefits like getting paid faster when you set up direct deposit, cashback and points rewards, fee-free ATMs and overdraft up to $100, no hidden fees, and banking for teenagers, Current focuses on creating a better financial outcome for people and their individual lives.

Current: Banking For Modern Life

CEO Stuart Sopp founded Current to bring accessible banking services to everyone. He wanted to improve people’s financial futures by offering affordable premium financial services using the latest technology.

The Current custom-built banking technology makes this possible by providing more excellent security, faster money, and cost efficiencies.

The Current brings together a diverse team of people worldwide to an office in New York City. With a team dedicated to building something great, everyone in the company is encouraged to have an impact.

The Current Account and Current Card

By opening a bank account with Current, you can automatically enjoy all these benefits:

  • Get Paid Faster: When you enroll in direct deposit through the current app and sign up for a Current Premium account, you can get paychecks up to 2 days faster than with a traditional bank.
  • Overdraft Without Overdraft Fees: If you receive paychecks via direct debit of at least $500 per month, you can be eligible for Overdrive™. This means that when you spend more money than you have in your account balance, Overdrive covers the cost up to your approved limit, and you repay the funds when your next paycheck is deposited.
  • Points and Cashback Rewards: Earn up to 15x points when using your cards at over 20,000 merchants nationwide. You can exchange your points for cash in your Current account.
  • No Hidden Account Fees: Current bank account has no overdraft fees, no minimum balance fees, and no fees when you transfer money with your account.
  • Fee-Free Cash Withdrawals: Get cash without fees at more than 40,000 in-network ATMs across the U.S. Quickly find one near you using the Current app.
  • Debit Cards: Your Current account comes with a debit card. You can issue more debit cards for your family while you keep control by instantly transferring money, getting real-time notifications, setting spending limits, or blocking specific merchants with teen banking. If you choose to set up teen banking for your family members, this is more secure than cash and teaches teenagers about financial responsibility.
  • 24/7 Support: If you need help with your Current bank account, Current card, or Current app, their team is available 24/7 via the app’s chat.
  • Mobile App: Manage your account and debit card easily through the Current mobile app.

How To Get Started

To get started with a Current account and Current card, download the Current app from Google Play or Apple Store. Then, easily text yourself a link to download the app and sign up for an account in just two minutes.

Reviews 99


Products and Services

Why Us

Get Paid Faster

Sign up for direct deposit to receive your paycheck into your bank account up to 2 days faster than with your traditional bank.

Free $100 Overdraft

Overdraft up to $100 for free with Overdrive when you sign up for a Current premium account and receive a qualifying direct deposit.

Earn Points to Get Cashback

Use your card at participating merchants to earn up to 15x points and redeem them for cash in your account.


Get Started With Modern Banking

Get a bank account and debit card and manage your money through a mobile app. Enjoy getting paid faster, cashback rewards, free ATMs, and no overdraft fees.

Related Articles

If you're someone who cares about social ethics and sustainability, ethical banking ensures your passive savings take up an active cause.
Read more
Learn how the concept of sustainable finance that has taken hold recently is making a positive impact in the world today.
Read more
A growing number of investors are turning to sustainable investing. Learn what this means and how you can support socially responsible causes.
Read more

Connect with Us

Latest News

Learn the advantages and disadvantages of using the Coverdell Education Savings Account to cover your kids' educational expenses.
Read more

This page’s information results from independent research by our editorial team, who does their best to reflect factual and accurate information about the financial institution and its products. Financial institutions are not responsible for the content posted on; visit the financial institutions’ website or contact it directly if you have any questions.

If you work for this financial institution and want to adjust any information, contact us at