Current is a mobile app that empowers people to make smart financial decisions. With a Current account, you can get a debit card or the Build Card to safely build credit, all while having access to features like earlier direct deposits, budgeting tools, crypto trading, and our round-up savings feature.
Current only takes a few minutes to set up and conveniently works with your existing bank account.
Who is Current for?
You can sign up for a personal Current Account, or open an account for your teen if you're a parent.
Personal accounts — if you're 18 or older, you can sign up for a Current Account, which comes with features like budgeting, savings pods, and more.
Teen accounts — for teens under 18, set up and managed by a parent or guardian. Teen accounts come with their own Visa debit card and give parents visibility and controls like allowances, chores, and spending notifications.
Current is only available to customers in the United States at this time.
Is Current secure?
Yes! Current uses encryption to protect your data in-transit and at-rest.
We use many tools to make sure your account cannot be maliciously accessed, and consider user privacy to be of the utmost importance, and have built Current to keep your information safe.
To learn more about what information we collect and how we use it please read the Current Privacy Policy.
Are my funds FDIC insured?
Yes, your funds are FDIC-insured on a pass-through basis up to $250,000 at Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
Current is a financial technology company, not an FDIC-insured bank. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance up to $250,000 is available on customer funds through pass-through insurance at Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC where we have a direct relationship for the placement of deposits and into which customer funds are deposited, but only if certain conditions have been met. There may be a risk that FDIC insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.