May 29, 2025
• 3 Minute Read
In the rapidly changing landscape of banking, Current is on a mission to redefine the way we handle our finances. With a commitment to accessibility, innovation, and affordability, Current aims to provide a mobile banking experience that truly works for everyone.
Building Your Credit Safely with Current
Whether you aspire to own a house, buy a new car, or start your own business, building credit is essential. Current makes it simple:
• Set Up Direct Deposit
Unlock extra features and get paid up to 2 days faster with direct deposit.1
• Swipe Your Card
Use your Build Card for all transactions, including ATM withdrawals.
• Track One Balance
Keep your spending in check by utilizing Reserved Funds.
• Pay & Build Credit
Enable AutoPay or pay your balance to build a positive credit history reporting to all the credit bureaus.
- Regular APR
- 0.00%
- Products Offered
- Mobile Banking & Visa Credit Card
- Brand Name
- Visa®
Highlights
- Credit for everyone - Regardless of your credit history!
- Get paid up to 2 days faster - Using Direct Deposit.
- Build credit not debt.
- Grow your savings - Earn up to a 4.00% Bonus on Savings Pods
- View Product Disclosures
Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
Do More with Your Money
Explore additional features that enhance your financial journey:
• Gas Hold Removals: Instantly access your money by removing holds placed by gas stations.
• Mobile Check Deposit: Save time and effort by depositing checks using the Current app.
• Spending Insights: Track your spending and budget more effectively.
• 40,000+ Fee-Free ATMs: Enjoy access to a vast network of fee-free in-network Allpoint ATMs.
Secure and Transparent Credit Building
Current ensures a safe credit-building journey by offering:
• Getting paid up to 2 days faster with direct deposit.1
• Growing your savings up with a 4.00% bonus.2
• No credit checks or history required.
1 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.
2 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. No minimum balance required. 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%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equaling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.
Editorial Disclaimer: Information in these articles is brought to you by CreditSoup. Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles. The information is accurate to the best of our knowledge when posted; however, all credit card information is presented without warranty. Please check the issuer’s website for the most current information.