Current: The Future of Banking

Die Beschreibung von Current: The Future of Banking

Site Editorial Commentary：Save, spend, and get paid faster²

Power up your financial life with Current: The Future of Banking. Switch to Current and experience a smarter way to manage your money. Get paid faster, save smarter, and effortlessly build credit—all within a single, powerful app. Join over 6 million members who are already transforming their banking experience with Current today.

With Current, you can:

— **Advance up to $750⁶:** Access a portion of your upcoming paycheck when you qualify, providing a financial cushion when you need it most.

— **Enjoy Overdraft fee-free banking⁵:** Say goodbye to hidden fees and navigate from payday to payday with peace of mind.

— **Get paid up to 2 days early²:** Receive your direct deposit as soon as your employer processes it, putting your money in your hands sooner.

— **Build credit while you bank:** Establish or improve your credit score simply by using your Current account responsibly.

— **Earn 1% cash back on dining and groceries⁴:** Get rewarded for your everyday spending with cash back on essential purchases.

— **Benefit from 24/7 member support:** Access reliable assistance whenever you need it, ensuring a smooth and stress-free banking experience.

— **Access 40,000+ fee-free ATMs nationwide¹:** WithDraw cash without incurring fees at a vast network of ATMs across the country.

— **Easily add cash in-store:** Conveniently deposit cash at popular retail locations like CVS, Walgreens, and McDonald’s.

— **Earn up to a 4.00% bonus on savings³:** Maximize your savings potential and automatically save with Round-Ups.

See current.com/docs for full terms and conditions and current.com/legal_disclaimers for more info.

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.
¹ Most AllPoint® ATMs are fee-free. To see if an ATM qualifies for fee-free ATM transactions, please check the Mobile App.
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. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control.
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. 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%, you must receive at least one Eligible Payroll Deposit equalling a minimum of $200 over a 35-day period. T&C: current.com/boost_terms_of_service
⁴ For eligible customers only. You may earn Points in connection with your Build card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) 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. Points will expire 365 days after they settle. T&C (including specific eligibility criteria): current.com/current_points_terms_and_conditions
⁵ 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 a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. T&C: current.com/overdraft_protection_terms_of_service
⁶ For eligible customers only. Paycheck Advance is offered by Finco Advance LLC, a financial technology company, not a bank. T&C: current.com/docs/paycheck_advance_terms