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Current Mobile App

Current Banking App Logo

A New Generation of Money Management Apps

Discover improved financial services and higher yield savings.

Platforms

IOs & Android

Notifications

With Every Swipe

Setup Time

Under 2 Minutes

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4.3
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4.4
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Product Name

Current Mobile App

Product Description

A mobile finance app offering a better way to manage your money

ATM Fees

No ATM-fee access at over 40,000 in-network Allpoint ATMs in the U.S. (4)

Cash Back

Earn up to 15x points at over 14,000 participating merchants

Direct Deposit

Get paid up to 2 days early with early acess to direct deposit (1)

Overdraft Protection

Overdrafts up to $200 (2) covered with no overdraft fees

You’ve turned a new leaf and want to build a better future for yourself, starting with your finances. Look no further than the Current app, an innovative solution that provides you with the tools and resources to effectively manage your resources, make smarter financial decisions and achieve money goals.

What Is Current?

Current is a financial technology company that offers banking services through Choice Financial Group, Member FDIC. You can sign up to get access to a Visa debit card that easily syncs with your existing bank account and a mobile app that features an assortment of tools and resources to help you level up your finances.

Members can also get faster access to direct deposits (1) , overdraft protection without overdraft fees (up to $200), ATM withdrawals, generous cash back rewards, up to a 4.00% Bonus (3) in returns on their money and more.

What Is the Current Mobile App?

The Current mobile app makes it easy to manage your money while on the go and tap into all the perks the platform has to offer. It’s offered in the AppStore and Google Play Store, and you can sign up in two minutes or less.

It’s currently available to individuals in the U.S., and you can choose from Current Spend Accounts. Below is a breakdown of each:

  • Current Account (no monthly or annual fee): includes an Exclusive card with a secured chip and tap to pay, spending insights, early access direct deposit, real-time purchase alerts and instant notifications, budgets for each category of spending, overdrive overdraft protection, and 3 Savings Pod that earns up to a 4.00% Bonus and pays daily on up to $2,000 per Savings Pod, fee-free ATM withdrawals at Allpoint ATMs in the U.S. (4) , instant money transfers, mobile direct deposit, and points for cash back from purchases with over 14,000 participating merchants
  • Teen Account (no monthly or annual fee): includes a white or black card, a budget for single category spending, standard direct deposits, 1 Giving Pod for donations, immediate release for gas station authorization holds, and instant notification for purchases.

How Does the Current Mobile App Work?

Here’s how to get started with the Current app:

  • Step 1: Download the Current mobile app on your device.
  • Step 2: Select “Get Started” and input your mobile phone number and verification code that you receive by text when prompted to confirm that it’s you.
  • Step 3: Enter the requested identifying information, including your first and last name, date of birth, Social Security number, physical address and email address.
  • Step 4: Choose your desired account type.
  • Step 5: Confirm your mailing address.
  • Step 6: Activate your virtual card if you want to use it before your debit card arrives in the mail.
  • Step 7: Enter your information if you’d like to set up a direct deposit. Otherwise, you can skip this step.
  • Step 8: Fund your new Current account from another source. You can also skip this step and come back at a later time.
  • Step 9: Manage your account through the user-friendly dashboard.

What Are the Best Features of the Current Mobile App?

Here are some of the key features the Current App has to offer:

  • Mobile money management: With Current, you’ll never pay hidden fees or minimum balance fees (4) . Plus, you can initiate instant money transfers to other Current members by using your Current tag without any transfer fees (4) .
  • Early direct deposit: Do you earn $500 or more per month and want to get paid sooner? Current lets you access your paycheck two days sooner when you sign up for a Current Account and enroll in direct deposit (1) .
  • Overdrive overdraft protection: You can overdraw your account up to $200 (2) without incurring overdraft fees with Current’s Overdrive feature. It’s available to Current Account holders.
  • Generous cash back rewards: Earn up to 15 points for every dollar you spend using the Current debit card (5) . There are over 14,000 participating merchants nationwide. You can opt to convert your points to cash or get an item from the Current Shop.
  • Cryptocurrency investing: Invest in over 30 cryptocurrencies from your checking account with no trading fees with the Current mobile app crypto feature.
  • Sizable bonus earnings: Current’s accounts feature Savings Pods that let you earn up to a 4.00% Bonus (3) on your money ($2000 per Savings Pod), up to $6000 total. And there are no restrictions on transfers as you can move money in and out of your Savings Pods whenever you see fit.
  • Fee-free ATMs: Access your cash at over 40,000 Allpoint ATMs throughout the U.S. any time of the day or night. There are no ATM fees (4) , and you can quickly find locations near you inside the Current mobile app.
  • Instant gas-hold removals: If you’re a Current member, you’ll get gas holds removed right away when you pay at the pump.
  • FDIC Insured: The funds held in Current accounts are insured by up to $250,000.

Ready to take your mobile money management experience to the next level and make your money work harder for you? Download the Current mobile app today on your Android or iOS device.

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Current is a financial technology company, not a bank. Banking services provided by and 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.

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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. ×

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.

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Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions. ×

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.

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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 is variable and may change at any time. The disclosed Boost rate is effective as of August 1, 2023. Must have at least $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 payroll direct deposit of $200 or more is required to earn a Boost rate of 4.00%. No minimum balance required. Please refer to Current Boost Terms and Conditions .

×
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. ×
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. ×
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. ×

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.

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Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions. ×

EarYou may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

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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 is variable and may change at any time. The disclosed Boost rate is effective as of August 1, 2023. Must have at least $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 payroll direct deposit of $200 or more is required to earn a Boost rate of 4.00%. No minimum balance required. Please refer to Current Boost Terms and Conditions .

×
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. ×