Current: The Future of Banking
play.google.comSummary
Current is a mobile banking app that provides users with a Visa debit card, early access to direct deposits, and savings accounts with interest. It also offers features like fee-free ATM access and overdraft protection, aiming to help users manage their money more effectively.
Features5/12
See allMust Have
2 of 5
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Instant P2P Transfers
Commission-Free Stock Trading
Bitcoin Trading
Other
3 of 7
Fraud Monitoring & Security
High-Yield Savings
ATM Access & Fee Reimbursement
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
PricingFreemium
See allStandard Account
- Spend, save, and manage money
- Mobile banking app
- Visa debit card
- Build Credit (with Build Card, no credit checks)
- Paycheck Advance (up to $750, no mandatory fees, for eligible customers)
- Fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.
- Faster Direct Deposits (up to 2 days earlier)
- Fee-free overdraft (up to $200, for eligible customers)
- Earn up to 4.00% annual bonus on savings (with eligible payroll deposits)
- Earn 1x points for every dollar spent at any grocery store or restaurant (for eligible customers)
- 24/7 in-app support
- Out of network ATM fees of $2.50 per transaction may apply except at Allpoint ATMs in the U.S.
- Faster access to funds is subject to timing of payer's submission of deposits.
- The Boost rate on Savings Pods is variable and may change. To earn 4.00%, sum of Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. Otherwise, 0.25% on balances up to $2000 per Savings Pod, up to $6000 total. Remaining balance earns 0.00%.
- Points earning is for eligible customers only, on Build Card purchases at Dining and Groceries. Points amounts and earning requirements vary. Points expire after 365 days.
- Actual overdraft amount may vary. To qualify, must receive $500 or more in Eligible Payroll Deposits over preceding 35-day period and fulfill other requirements. Negative balances must be repaid within 60 days.
- Paycheck Advance is for eligible customers only. Expedited disbursement is an optional feature subject to an Instant Access Fee and may not be available to all users.
- A Current deposit account is required to apply for the Current Visa® secured charge card. Independent approval required.
Rationale
Current offers a mobile banking app with a Visa debit card, early direct deposit, and savings features. It also highlights ATM access and fraud monitoring. While it doesn't explicitly mention P2P transfers, stock trading, or bitcoin trading as core features, its primary offering aligns with several 'must-have' and 'other' features of the concept.
