Current

Current is a financial technology company that provides a range of features designed to help users manage their finances more effectively. One of its key offerings is the ‘Build Card,’ which helps users build credit through everyday purchases. The company also provides faster access to funds through direct deposit, allowing users to get paid up to 2 days earlier. For users who receive $500 or more in qualifying deposits over a 30-day period, Current offers a ‘Fee-Free Overdraft’ feature. Additionally, the ‘Savings Pods’ feature allows users to earn up to a 4.00% annual bonus on their savings. Current partners with Zero Hash LLC to enable users to buy and sell cryptocurrency without trading fees. The ‘Paycheck Advance’ feature allows eligible customers to get up to a $500 advance on their paycheck, and the ‘Points’ program lets users earn points on purchases that can be redeemed for cash back. Current has over 4 million members and provides access to more than 40,000 fee-free ATMs. The ‘Round-Ups’ feature automatically saves spare change from purchases into Savings Pods. Current provides FDIC insurance up to $250,000 through Choice Financial Group and Cross River Bank, and offers a secured charge card issued by Cross River Bank. The ‘Boost’ feature allows users to earn additional bonus funds on eligible Savings Pods. The ‘Teen Banking’ feature gives financial freedom to teens while providing parental visibility and security. Users can set up direct deposit to qualify for additional features like faster access to funds and paycheck advances.