- 94.0LEGITIMACY SCORE
- 94.5SAFETY SCORE
- 4+CONTENT RATING
- FreePRICE
What is Current: The Future of Banking? Description of Current: The Future of Banking 3987 chars
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.
ACCESS CASH: Qualify for up to a $500 Paycheck Advance⁶
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% annual bonus on your savings with a qualifying direct deposit.³
GET REWARDED: Get up to 7x the points and cash back on swipes.⁴
GET HELP: 24/7 support & chat in the app.
TEEN ACCOUNT BENEFITS
SPEND: Get instant money transfers from parent to teen, spending notifications, and set automated allowance payments.
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.
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.
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 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 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%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. Refer to Current Boost Terms and Conditions at current.com/docs
⁴ Points available at participating merchants. Teen accounts do not earn points
⁵ Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
⁶ Paycheck Advance is for eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Refer to Paycheck Advance Terms and Conditions at current.com/docs/.
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.
- Current: The Future of Banking App User Reviews
- Current: The Future of Banking Pros
- Current: The Future of Banking Cons
- Is Current: The Future of Banking legit?
- Should I download Current: The Future of Banking?
- Current: The Future of Banking Screenshots
- Product details of Current: The Future of Banking
Current: The Future of Banking App User Reviews
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Current: The Future of Banking Pros
✓ The BEST bank.There are sooo many good things I could say about this bank and how smooth it works. If you are hesitate about online banking or hesitate about using current, don’t be.. It is seriously soooo much better than Chime and the other online banks. It works and runs really smoothly. You have a savings option as well. Also a way to send family and friends money through the app. You can of course lock your card so unexpected things cannot charge your card randomly. They give you a physical card and also a virtual card to use for online purchases. My direct deposit from my job comes in 3 and 4 days earlier than any other bank I’ve ever used. You can block unwanted purchases or even block stores from charging your card. For example.. You can block Walmart from charging your card, which means there can be no purchases from in-store or online. And unblocking it is just as simple as blocking it. No hassle. Pretty neat feature. So much more I could talk about but I’ll end it with this. The card is really nice looking as well! 1000% recommend this bank. 👍🏼.Version: 5.8.0
✓ Best bank ever !I have been using Current since August 2020, and it has really been the best experience, I started with my account first, then my wife was interested and she created her account, then we created a children's account for our 3 children, an account for each one, and it has made it much easier for us to manage money. The most I like is that it can be a Saturday at 3 am and you make a purchase, Current withdraws that money instantly, not like regular banks, where you use the money on a weekend, they wait until Monday to reflect the transaction and then they charge you fees because you used a little more than you had, but that's not the case with this bank, plus I received my work payments every Wednesday from 6am to 8am maximum. It sounds too perfect to be true, but it is not perfect because there is only one thing that I would like to see changed, and that is the amount you can withdraw at the ATM, I am a person who spends my time buying and selling cars, and once I had I had to withdraw $4,000 to be able to buy a vehicle and I lost the purchase of that vehicle because I can't withdraw the amount I needed at that moment, so for now I keep the money from negotiating vehicles out of the account..Version: 6.0.0
✓ Current: The Future of Banking Positive ReviewsCurrent: The Future of Banking Cons
✗ DO NOT USE THIS SERVICE BEWARE ❗️❗️❗️❗️I was with this company for over a year I took $150 out of an out of network ATM I contacted current because I did not get the money that was supposed to be dispensed from the ATM I contacted current for them to file a claim it took them one year to decide that they were not going to replace the money that I never received I had to keep reaching out to them I never received any emails that the chat customer service stated they sent out when I did receive an email it stated that my dispute has been overturned and there was an error on their part when I contacted Current again they told me that the email was sent in error and that my claim has been closed I asked how was the claim closed when I received no update on the status of what’s going on with my claim they refused to replace the money and now I have to file a civil lawsuit to get my money back so I would basically be putting out more money then I was supposed to receive from this company current is not a good company they fraud customers into believing that they are here for the customer but that is a LIE I warning you do not sign up for this account they took down the customer service number to contact a live agent and blame COVID amd that’s the reason they don’t have live agents.Version: 5.4.1
✗ Horrible fraud policiesI recently got hit with some fraud that put my account in the negatives my card was deactivated for it they didn’t offer to send me a new card. I told the reps that I didn’t receive my other card that costed me $6 for over 2 months and they just ignored me so now I have no physical card and can’t access my savings. I asked for a credit for the fraud amount and was told I have to wait 10 days for a chance to “qualify” to get the credit so now I’m screwed. I either lose the money in my savings so I can use my overdrive or I just don’t go to work since I have no money for gas due to this. When I first saw I was in the negatives i immediately talked to a rep he had an attitude and said they won’t investigate my account so I had to go look for the fraudulent purchases myself before they do anything. Since I get paid before the 10 days it’s going to eat a chunk of my paycheck I won’t be able to pay rent on time and I told the reps that if I don’t pay on time for the rent my apartment complex will evict me since they have a 0 tolerance for late payments all they said was wait 10 days and it can take up to 90 days for the money if I don’t “qualify” for the credit. Never had a bank that really doesn’t care about their members when something like this happens..Version: 5.29.0
✗ Current: The Future of Banking Negative ReviewsIs Current: The Future of Banking legit?
✅ Yes. Current: The Future of Banking is 100% legit to us. This conclusion was arrived at by running over 149,729 Current: The Future of Banking user reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, AppSupports Legitimacy Score for Current: The Future of Banking is 94.0/100.
Is Current: The Future of Banking safe?
✅ Yes. Current: The Future of Banking is quiet safe to use. This is based on our NLP analysis of over 149,729 user reviews sourced from the IOS appstore and the appstore cumulative rating of 4.7/5. AppSupports Safety Score for Current: The Future of Banking is 94.5/100.
Should I download Current: The Future of Banking?
✅ There have been no security reports that makes Current: The Future of Banking a dangerous app to use on your smartphone right now.
Current: The Future of Banking Screenshots
Product details of Current: The Future of Banking
- App Name:
- Current: The Future of Banking
- App Version:
- 7.0.0
- Developer:
- Finco Services, Inc.
- Legitimacy Score:
- 94.0/100
- Safety Score:
- 94.5/100
- Content Rating:
- 4+ Contains no objectionable material!
- Language:
- EN
- App Size:
- 116.81 MB
- Price:
- Free
- Bundle Id:
- com.current.currentapp
- Relase Date:
- 05 April 2016, Tuesday
- Last Update:
- 25 March 2024, Monday - 13:21
- Compatibility:
- IOS 15.0 or later
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