Current - Modern Banking by Finco Services, Inc. (iPhone)
(93.1k)
Released: Apr 5, 2016
Version: 5.4.4
Size: 142 MB
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Ranking - Finance (iPhone)

Current - Modern Banking

Finco Services, Inc.
Current is a mobile banking app with a Visa debit card that gets you paid up to two days faster^ with direct deposit and gives you fee-free overdraft up to $100 with our Premium Account. Current Premium Members can earn up to 15x points on purchases that are redeemable for cash back and all members have access to over 40,000 fee-free Allpoint ATMs in the U.S., 24/7 support (even on holidays!) and never pay hidden or overdraft fees.

At Current, we believe our members should spend their hard-earned money on the things that matter most to them, and not on unnecessary fees. Signing up takes just two minutes and there is no minimum balance required to open or maintain an account. We’ll then ship your new card for free. Join the Current Community!

ACCOUNT BENEFITS:
-*GET paid up to 2 days faster with direct deposit^
-*FEE-FREE Overdraft^^ up to $100 with Overdrive™
-NO minimum balance requirement
-NO hidden fees
-EARN points to redeem for cash
-FEE-FREE cash withdrawals from 40,000 Allpoint ATMs in the U.S.
-*INSTANT gas hold refunds
-MOBILE banking w/ instant spending notifications
-SAVINGS PODS to help automatically save money
-DEPOSIT checks using your phone’s camera or add cash at 60,000 stores
-INSIGHTS to track spending
-INSTANT free, money transfers using Current Pay
-APPLE PAY® supported
-BLOCK transactions from specific merchants
-SECURITY of an EMV chip on each debit card and the latest technology
-PRIVACY controls of Touch ID® and Face ID®
-SUPPORT 24/7 (even on holidays!)

TEEN ACCOUNT BENEFITS:
-INSTANT money transfers from parent to teen
-BUDGETING and money management tools for teens
-SAVINGS PODS to help teens save money
-INSTANT spending notifications for parents
-ABILITY for parents to set spending limits and block merchants
-AUTOMATE allowance payments
-SET chores to complete
-GOOGLE PAY® supported
-SECURITY of an EMV chip on each debit card and the latest technology
-ABILITY to pause card directly in the app

A Basic Account is free to maintain and a Premium Account is $4.99 per month. There is no minimum required to open or maintain any account. A Teen account is $36 per year. All accounts start with a 30-day free trial.

For Teen Accounts, parents link their Current app with their teen’s app.

*Only available on Current Premium Accounts.
^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 payer’s support of the feature and timing of payer’s funding.
^^Overdrive™ is available only on Current Premium Accounts and requires $500 in qualifying direct deposits on Current each month. Members will be notified by Current when they are eligible and must opt-in to Overdrive™. The Overdrive™ limit starts at $25, allowing members to overdraft their accounts up to $25 on debit card purchases without any fees, and accounts are reviewed periodically for increases up to $100 at Current’s discretion. Your limit may change based on your account history, spending activity, or other risk-based factors. You will receive a notification of any changes to your limit and your limit may change at any time at Current’s discretion. Your limit and remaining balance will be displayed to you in the Current app. When you receive your next deposit, Current then will apply funds towards your negative balance. Overdrive™ will not cover any non-debit card purchases, including ATM withdrawals, ACH transfers, P2P services (PayPal, Venmo, Cash App, or similar services), Current Pay transfers and checks.

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Metropolitan Commercial Bank, Members 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.

What's new in version 5.4.4
This release ensures Current runs smoothly on iOS 15 and shiny new iOS devices
Our verdict: Great!
  • + Current - Modern Banking is a highly rated app (4.5-star).
  • + The app is free.
  • + Current - Modern Banking is currently ranked #25 in free Finance apps for iPhone, as well as #270 in free Finance apps for iPad.
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