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Personal Accounts
Getting Started

Getting Started

Learn more about our Personal Checking accounts and the benefits of using Current

What are Current's Account Agreements?
How do I log in to my Current Account?
What's Current?
Is there a minimum or maximum to how much money I can have in my Current account?
How old do I have to be to open a Current Account?
Is Current available worldwide?
Where can I use my Current card?
Is Current secure?
Are my funds FDIC insured?
When will my Current card arrive?
What do I need to sign up for Current?
What types of accounts does Current offer?
Does Current offer cash advances?
Does Current offer joint accounts?
How do I contact Current?
Why am I being asked to provide a photo-ID?
Do I need a Social Security number to sign up for Current?
Will Current check my credit score?
How do I get the $50 Bonus for signing up?
How do I enter a Current Code?
How do holidays affect deposit timing?

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Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC. The Current Visa Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

By clicking “Sign Up” I agree to receive Current messages to my mobile number and to the terms and privacy policy. Message & data rates may apply. Reply STOP to cancel.

¹ The Annual Percentage Yield (“APY”) for Current Interest is variable and may change at any time. The disclosed APY is effective as of January 1, 2022. No minimum balance required. Must have $0.01 in Savings Pods to earn Interest on up to $2000 per Savings Pod. Please refer to Current Interest Terms and Conditions .

² Please refer to Overdrive™ Features Terms and Conditions . Individual Current Accounts only.

³ Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits. Individual Current accounts only.

⁴ Earning rates over 1x are only available on Individual Current accounts at participating merchants.

⁵ Out-of-network and International cash withdrawal fees apply. Additional third-party fees from the ATM owner may apply. Learn more at Current Deposit Account Agreement .

⁶ Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. All forms of investments carry risks, including the possible loss of principal. Cryptocurrency is not subject to FDIC or SIPC coverage. The cryptocurrency assets in your Zero Hash account are not held at Current or Choice Financial Group. Current and Choice Financial Group are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, nor Choice, is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply ( platform and user agreements.) Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.