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What types of accounts does Current offer?

You can sign up for a personal Current Account, or open an account for your teen if you’re a parent.

The features for each account can be found below: 

Current Account (No Monthly or Annual Fee)

  • Exclusive Card with Tap to Pay
  • Early access to direct deposit (up to 2 days, depending on your employer or provider)*
  • Budgets for each category of spending 
  • Spending Insights 
  • 3 Savings Pods that can earn a bonus rate of 4% each with Current Boost**
  • Gas station authorization holds immediately released 
  • Overdrive overdraft protection and no hidden fees 
  • Instant notifications for purchases***

Teen Account (No Monthly or Annual Fee)

  • No monthly or annual fee
  • White or Black Card 
  • A budget for a single category of spending 
  • Standard direct deposits 
  • 1 Giving Pod for donations 
  • Gas station authorization holds immediately released 
  • Instant notifications for purchases***
  • No access to Overdrive overdraft protection 
  • No hidden fees 

*Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus adding funds electronically using Direct Deposit

**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 bonus amount of at least $0.01. The bonus rate is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have at least $0.01 in Savings Pods to earn a 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%. A qualifying payroll direct deposit of $200 or more is required to earn a boosted rate of 4.00%. No minimum balance required. Please refer to Current Boost Terms and Conditions for more details.

***Standard text messaging and/or data rates from your wireless service provider may apply.

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