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What services does Current provide?

Current provides mobile banking services, including faster direct deposits, credit building with everyday purchases, savings options with bonuses, and cryptocurrency trading without additional fees.

Is Current a bank?

No, Current is a financial technology company and not an FDIC-insured bank. Banking services are provided by Choice Financial Group and Cross River Bank, both members of the FDIC.

Are there any fees associated with Current accounts?

Current accounts do not have annual fees or minimum balance fees, but certain transactions may incur fees, such as out-of-network ATM fees and card replacement fees.

How does Current help users build credit?

Current helps users build credit by allowing them to use the Current Build Card for everyday purchases, which contributes to their credit history without requiring a credit check.

What is the maximum annual bonus offered on savings with Current?

Current offers up to a 4.00% annual bonus on savings, depending on certain conditions being met, such as eligible payroll deposits.

Can users buy and sell cryptocurrency through Current?

Yes, Current allows users to buy and sell cryptocurrency without trading fees, though these services are powered by third-party providers and are not available in all states.

Q: How often does Current experience outages?

A: Major outages are rare, occurring only a few times a year. Minor issues can happen more frequently.

Q: How long do Current outages typically last?

A: Most outages are resolved within a few hours. Extended outages lasting more than a day are extremely rare.