Current: The Future of Banking Customer ServiceFinco Services, Inc.

Current: The Future Of Banking Customer Service

  1. Current: The Future of Banking Customer Service
  2. Current: The Future of Banking App Comments & Reviews (2024)
  3. Current: The Future of Banking iPhone Images

Current is the future of banking. Spend, save, and manage your money better with our mobile banking app and Visa credit and debit cards so you can make the most of what you've got.

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Join over 4 million members that trust Current & sign up today.


WITH CURRENT YOU CAN –
BUILD CREDIT: Use your Build Card to build credit safely with every swipe, no credit checks or history required.

SKIP THE FEES: Get fee-free overdraft & fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.¹

GET PAID: Payday comes up to 2 days faster with direct deposit.²

SAVE: Earn up to 4.00% annual bonus on your savings with Pods when you receive and maintain a qualifying direct deposit.

GET REWARDED: Get up to 7x the points and cash back on swipes.⁴

SPEND: Get spending notifications and insights, and instant money transfers with Current Pay.

ACCESS YOUR $$$: Get instant gas hold removals so your funds are available right away.

STAY SAFE: Get privacy controls to protect your information, and block your card in the app.

GET HELP: 24/7 support & chat in the app.


TEEN ACCOUNT BENEFITS

SAVE: Savings Pods teach teens to set savings goals.

SPEND: Get instant money transfers from parent to teen, spending notifications, and set automated allowance payments.

BUDGET: Explore money management tools that help teens budget money.

STAY SAFE: Parental controls let you pause the card directly in the app, set spending limits, and block merchants.

No minimum requirement to open any account. Teen accounts must be linked to a parent’s account through the app.

¹ Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees. Please refer to Fee-free Overdraft Terms and Conditions at https://current.com/docs/
² 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.
³ Boost 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 Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost 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 direct deposit of $200 or more is required for 4.00%. No minimum balance required. Please refer to Current Boost Terms and Conditions at https://current.com/docs
⁴ Points available at participating merchants. Teen accounts do not earn points
⁵ Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group, Member FDIC, and Cross River Bank, 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. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

Current: The Future of Banking App Comments & Reviews

Current: The Future of Banking Positive Reviews

It’s really 0 stars for meI’m only putting five stars because I can’t give 0 and people need to see this. Thought I’d try it out even though I was skeptical about it. I’ve been getting paid by my job 2 days prior ever since I switched to Dave and Albert. However, I wanted to try Current out. My job makes it very easy for its employees to switch accounts and add accounts whenever we want too, so last week I got my first check through Current while having a basic account I could see that on my normal payday of Tuesday the check was pending and it was released the next day, well this week I had a premium account which they actually do promise to deliver your check 2 days before your actual payday. Well yesterday I waited all day for my check to show up in the account, I mean there isn’t a check pending or anything. I’ve talked to 3 customer service representatives 2 had very bad attitudes because I had the most basic of questions and because once I found out that being a premium account holder sucked because you don’t get your check any earlier, I asked to go back to basic because premium cost 4.99/ mos. I’m probably just over the top and I don’t care because I don’t play about my money, so if you promise 2 days in advance you should deliver that. I’m going back to Dave because my savings accounts got paid yesterday. Just don’t do this to yourself you guys, if your use to getting paid 2 days before your actual payday just don’t do Current..Version: 5.8.1

This is the best financial app out there!I have been using this app for years and it has only gotten better, with the new build card I have started to build credit and being able to have 4% apry for all 3 of my savings accounts means I am making about $1 a week on average just for having money that I would be saving up anyways. It’s also great to be able to still have access to my money with a virtual card even if I need to replace my old card(s) which I just did last month just because they’re getting old. It’s also nice to be able to send others money with the tap of a button and receive money from them just as easily. It’s safe secure and support will do everything they can to try and solve your problems and answer your questions. Your money is available anytime anywhere and you can easily turn your cards on/off anytime you might need to and block specific transactions or brands with a single tap. You can also use the Fee Free ATM Lovator to find the nearest ATMs that won’t charge you a fee to use them. You can deposit cash through some stores like Dollar General straight into your accounts. You can get fee free overdraft up to $200 when you have monthly direct deposits, you never get charged for using the overdraft if you ever need to use it. There are so many great features that you can’t get with a physical bank that make this app great and it makes saving money and building credit easier than anywhere else!.Version: 6.11.2

Much Better Banking ExperienceI’m so glad that I came across Current in November last year. I had just closed my BofA account after being fed up with their mercilessness and greed. For example, I would get slammed with $35 overdrafts and customer service never cared if it was because I had lost my income during the lockdown or if my overdraft was .28 cents below. They took that money like their lives depended on it (talking about one of the largest banks out there). Then they started tacking on an unreasonable $12/month “maintenance fee” after I got a job where direct deposit wasn’t an option. After losing $60 to these fees, I switched to Current and it’s been great. I also appreciate their check deposit feature and how quick it was to set things up. I tried Venmo before and verification never worked despite having valid ID. And customer service would tell me to call an outside company who would then tell me to contact Venmo CS. I got fed up after not being given an answer for a week. Current isn’t perfect however. Check deposits can take up to a week and the estimated date that the funds will be available isn’t accurate, but at least deposits take less time the more you use the function and customer service actually responds within minutes instead of days to your questions..Version: 5.7.0

Best bank ever !I have been using Current since August 2020, and it has really been the best experience, I started with my account first, then my wife was interested and she created her account, then we created a children's account for our 3 children, an account for each one, and it has made it much easier for us to manage money. The most I like is that it can be a Saturday at 3 am and you make a purchase, Current withdraws that money instantly, not like regular banks, where you use the money on a weekend, they wait until Monday to reflect the transaction and then they charge you fees because you used a little more than you had, but that's not the case with this bank, plus I received my work payments every Wednesday from 6am to 8am maximum. It sounds too perfect to be true, but it is not perfect because there is only one thing that I would like to see changed, and that is the amount you can withdraw at the ATM, I am a person who spends my time buying and selling cars, and once I had I had to withdraw $4,000 to be able to buy a vehicle and I lost the purchase of that vehicle because I can't withdraw the amount I needed at that moment, so for now I keep the money from negotiating vehicles out of the account..Version: 6.0.0

Great Banking App 5*sI absolutely love this banking app! It’s got so many great features that other alternatives don’t have. The great things is subscription fees are no more with this app and atms are free if you use one of the many many on their list. They have many options to help you save money and make investments as well. I love that I can manage everything from a app on my phone including blocking a certain brand or business from being able to keep charging my card, pausing my card if it’s lost or stolen, sending and Receiving money, buying or cashing out bitcoin or other virtual currency in the app and getting lots of deals when swiping or buying with your card. There’s also a option to use a virtual or throw away electronic card number when you make online purchases as well as use your virtual card if you have to order a new card due to loss or theft as well. Customer service is amazing and they have a great referral program with incentives on both the referee and the referred. Don’t even get me started on the option to have several savings pods to save up for things without worrying about spending money you want to save for something special, a bill, etc! Highly recommend!.Version: 5.24.0

Great online banking service!!The app is simple and easy! It’s also an incredibly easy way to be able to utilize a savings account/rainy day fund with a great rate to increase the amount of savings you have over time and with the more you put in the savings account the more money you’ll make and add to what you’ve already saved!! I’m definitely going to continue to use this particular online banking service! Especially since it’s got absolutely no hidden fees, no overdraft fees or fees that you aren’t made aware of basically immediately. Most banks also require a minimum amount to be kept in your account as well as charging a monthly “service fee’ just for using your account, but current does not. The fact that they make everything so simple and easy to use and access within your accounts makes it that much more worthwhile!! I’m definitely not going back to my old banking services!! Thank you Current!! You’ve saved me a ton of money and kept me from the massive migraines that come along with most any other banking services!! Keep up the good work! I would highly recommend Current to anyone looking into switching over from most mainstream banks or banking services!!.Version: 6.3.1

One of the BEST Debit Cards to have!To anyone looking into getting a debit card to use for either personal or a business than the CURRENT Debit Card is a GREAT choice to go with! Having a Direct Deposit from your employer will allow you to receive your paycheck(s) a few day's earlier than most other bank cards may provide as well as to receiving gov checks, unemployment checks and many more Wile having the option of putting a Percentage of your paycheck into savings pods that enables your money to accumulate over time. The other Great Perk of having a CURRENT Debit card is not having a over Draft Fee of up to (-) $200 which is Great to have for a cushion when times may get tough an tight with Bills and other life events that could happen unexpectedly. With CURRENT, your able to keep a good track of your spendings and earnings that is provided with analytics charts for each month so you can have bills paid on time as well as watching any spending habits. There's more good things I may have not mentioned but I can ensure you that choosing the CURRENT debit Card, your more than likely going to be very satisfied. - MaC x BeatZ.Version: 6.14.1

Easy but not helpfulCurrent is ok only reason I’m writing three stars is because customer service is honestly garbage. And they promote that there was $100 overdraft which honestly that’s not true at all. But back to my original complaint about customer service I had an unauthorized use and someone used a little cash out of my account and when I contacted support they basically said it would take three to six months to get that payment back after I fill out a mountain of paperwork and all that they could do is cancel my card and send me another one, but in the process they canceled the wrong card so I was stuck out and they did not ship the new card faster they basically told me to deal with it or use another Bank to link a virtual card so I can pay for stuff for my kids .they were not helpful and honestly I won’t be with them for much longer .only good thing is you will get your paychecks faster and tax return fast but outside of that it’s really nothing good. And if you change your phone number it is basically impossible for you to get back into your account even if you have an email link to it and they did nothing to help my wife she is still locked out of her current and the money is still sitting in there so basically they said deal with it so Hope this helps dudes.Version: 5.0.5

Good idea, needs workI started free trials for two competing debit card companies, and this one came in second. It takes a full day to transfer funds from my bank account into my parent wallet in the app! That was way too long. I need the money there instantly. I debated this card in the first place because I wanted the chores to be checked off and payment to the kids to be made only if chores were done, but it is not a simple integration. Once you create the chores, you can’t edit them, so even if there is a typo, you are stuck with it! You can’t change the order that the chores appear for each day, and there isn’t a check box to check them off when they’re done. I started by creating a separate chore for EACH action I wanted done, but it takes up most of my screen to show one chore, and with three kids and at least 15 chores each, it wasn’t worth it. I decided to go with another card that does not have the chore option, but transfers to my parent wallet immediately, does not require such an elaborate password to get into the app (how about a PIN or fingerprint?), and I can turn each card on or off any time with only two clicks instead of three. If I think it’s lost? Off. If I can’t find it? Off. Kids have it safe in their wallet? On. Current does not have that option without reporting it stolen..Version: 3.0.36

Great Idea, Horrible Customer Service and Problem Solving*PUTTING 5 STARS SO PEOPLE WILL SEE* Their app and website designs are flawless. Their savings pods and interest percentage are amazing. Their customer service… is a different story. Don’t expect to make it to $200 overdrive either. Chime will approve you quicker. I have had a long on-going issue with trying to get my bank numbers sorted out. Needless to say, it’s been months and it still hasn’t been resolved. You have to email them more than once to even get a response and then you’re given a generic answer of how someone is “looking into it” and it never happens. Don’t get me wrong, I know bombarding a company with emails isn’t right. It backs up their queue and is just annoying. The problem is, they don’t answer the first time and after weeks, it’s time to send another email. I’m not a Karen in the least, but seriously, their customer service could use major work. Current, if you say you’re going to give a customer new account numbers, do it. Don’t close tickets without saying anything and acting like your customers are too dumb to notice..Version: 5.23.0

Love Love LoveNever have I had any issues with my current bank account. I initially set it up for when I was getting unemployment a couple of years ago and had only planned on using it for those direct deposits each week and then being done with it but I love the account so much bc I have never had any problems with receiving my deposits and there are so many places to add cash to the account that it makes it so much more convient to me than these other online banks. Also chatting with a worker if you do have any questions or if an issue arises is an absolute breeze!! Thank you current for taking away the monthly subscription fees as well. You guys are now my NUMBER 1 choice for all of my online banking needs. I even use my current account over my local account here in town. My boyfriend even decided to open his first account with y'all today as well. Can't wait till you have the option for joint checking and savings tho. That's the only complaint that I do have is that I would love for you to offer joint accounts. Thank you so much for making banking easy and accessible! 5 stars for sure 😍😍.Version: 5.14.1

Great perks!! Awesome account the best of the best.I love my account period. I had it for about a month and a half now but My direct deposit comes on time (TWO DAYS EARLY) I get paid on Fridays it come on Wednesdays every time. You can add a FREE savings account instantly, They have a FREE credit builder card that helps improve your credit, and doesn’t take long to do so. they will spot you an overdraft amount that you can use when your running a little low on cash. That could be up too $200. I couldn’t ask for anything more honestly. Oh and you have a customer service chat available to you 24-7 if you need to speak to an agent. And It’s so much more that I could add like other current users can send you money or you can pay them just like cash app, or that you can block merchants from taking money from your account lol so even if you forget to cancel a subscription or even more simple just don’t want to pay a mf you can block the merchant from taking money like come on just Awesome 🤍 try it you guys you won’t regret it and I don’t play or lie this is a real review. YOUR WELCOME. :).Version: 6.21.0

Good Banking for Side Job/Second IncomeWhen I signed up and started using Current it was a smooth transition. I used partial of my check and had it direct deposited to my account. Always comes early. I went on and put some of my close friends and family on, that I send money with. **My only issues with Current is the reporting card damage/stolen/lost & transaction history between recipients. -It automatically cuts off your card and you have to wait for the new one to come in. So this renders you to having to only use the virtual card. Which can be a pain when you need to get gas or have you money deposited you wont be able to use a card to the account (annoying) -When sending money to, or recieving from people with Current accounts, it will tell you you have xx number of transactions between the two of you. Issue is… when you click to get the history for your personal review and talle up for taxes so to speak.. it shows “No Joint Transactions” which defeats the purpose.(Really Annoying) Other than that, its not a bad Banking choice. Id recommended it primarily for weekly direct deposit’ers and those with second or side job incomes..Version: 5.12.0

The BEST bank.There are sooo many good things I could say about this bank and how smooth it works. If you are hesitate about online banking or hesitate about using current, don’t be.. It is seriously soooo much better than Chime and the other online banks. It works and runs really smoothly. You have a savings option as well. Also a way to send family and friends money through the app. You can of course lock your card so unexpected things cannot charge your card randomly. They give you a physical card and also a virtual card to use for online purchases. My direct deposit from my job comes in 3 and 4 days earlier than any other bank I’ve ever used. You can block unwanted purchases or even block stores from charging your card. For example.. You can block Walmart from charging your card, which means there can be no purchases from in-store or online. And unblocking it is just as simple as blocking it. No hassle. Pretty neat feature. So much more I could talk about but I’ll end it with this. The card is really nice looking as well! 1000% recommend this bank. 👍🏼.Version: 5.8.0

Love current!I actually enjoy current. My employer pays me on Friday, but with current I get paid on Wednesdays!! I signed up for the current build account and have only had the card 2 months I used it to pay for my gas and some groceries and the following month my credit score went up 26 points!!!! At first I was skeptical but now I actually enjoy current, I’ve never had to call customer service and ask about my money, I’ve never had a late deposit, I’ve never had any issues with the app either. I have been with current almost 2 years and so far so good! The only thing I would have to say negative about them is if your someone who overdrafts a lot you might not like having them because it says overdraft up to $200 without any fees, but you stay at $25 for like 7 months even with the qualifying direct deposits. And then you go up to $75 for another 6-7 months then just keep going up from there. But if you don’t really use overdraft then it shouldn’t be a problem :) other than that current is GREAT to have!!.Version: 6.15.1

Useful but a HastleThis app has been great for managing my own funds with my parents but it tends to break down, on my old phone and iPad it completely locked me out. My dad has been able to send funds from his account but I tried to get a dollar drink expecting my dad to have put funds in (I can’t read my funds because it locked me out) it was denied and I was like ok fair enough I’ll text my dad and he can’t send the funds because it says “Insufficient Funds” or “Transaction cannot be completed due to low funds” or something like that (that’s the point of me getting money????) we cant send the funds and now I can’t get paid my allowance. Even worse is the fact that we haven’t gotten responded too because the customer support has (so far) been non-existaint, the FAQ has so little awnsers that whatever you search either gives you nothing or the entire list. And since it’s named current, googling “Can’t send funds via current card app” just shows random BS for other banks and cards. It’s been so useful yet at the same time I want to punt my device through a window! Why can’t the updates actually fix these problems? We’ve tried uninstalling and reinstalling and it doesn’t work so this just LOCKS PHONES!,!!.Version: 4.7.4

The Current is Currently Perfect!Funny true story. The payroll company that pays me uses a service that if I pay a fee they give me an advance on my paycheck. Well I signed up for it because the first time was free. Well when they go into the account to pull the funds to give me an advance they say I don’t have any money. Now I’m confused and a little upset but ChaChing here comes Currents notification! My finds are already available! You just know I had to tell that other company that they’re fixing to go out of business and some think that’s rude but I call it “get your crap together, know that in these times you must stay on your toes because their will always be better!” Thank you Current I appreciate you! Please know there’s another one coming down the pike and the sooner I see it the better in these times you know we could all use it. God bless you thank you so much.I look forward to a long lasting business relationship with you. I love saying I love my Current because they are ahead of current and there is currently money in my account!.Version: 5.1.8

Very helpful for my teenThis is helping my teen learn the value of money and budgeting. It is also wonderful to know when he is on school trips away from me that I can quickly transfer $ to his card within minutes if something unexpected comes up and not have to give him a bunch of what if cash- he goes on a lot of out of town contests! He used to ask me for certain things not realizing costs and now he compares prices and it is helping him to be a better spender and saver! I am able to set his weekly allowance and if needed I can transfer $ into his account immediately. One thing to note is that you need to have $ transferred from your bank into your parent current account ahead of time because it does take several days for it to clear. Once the $ is in your parent account though you can transfer to your child’s account as needed within minutes. Also if your child “owes” you $ for something it can be transferred from their account back to yours! I love that my son can have his card and not have to carry cash especially on those trips he takes with school..Version: 3.6.2

I like itApp works great, features of the account are amazing but i could deal with some extras. I understand that there is an internal algorithm that determines how much one can overdraft their card but i have seen some people that make less and overdraft more often and they are sitting at $100 available to overdraft in a matter of months whereas i rarely do so and have had the account longer yet am still stuck at a lower amount. Personally i think there should be a publicly accessible chart on how to get to a certain amount. Then there is the pay times. I know that i have to wait till my job sends out the info for my check and then it has to be filtered by the federal reserve, but it would be nice if it had a set time/day that my money was to be on my card as opposed to a 3 1/2 day time frame, excluding holidays and weekends. Lastly it would help if i could have a second physical card as my phone’s NFC chip is broken and i cant utilize tap to pay until i get a new phone so the virtual card is of zero use to me but i have transactions i need to reverse and cant be without my money for 2+ weeks and cant carry cash due to my job and the dangers at work (I work armed security). If i had the ability to have a new card issued to me and sent out BEFORE i cancel my old card so i can keep access to my money during the process. Other than that, the card is amazing as is the account. I recommend it to a lot of people and get a smile when i see others with the same card as me..Version: 5.4.8

Acct is locked with my money in it and I can’t speak to anyone...really?I researched 4 or 5 different card options similar to this one and I chose Current because I liked that I could assign tasks for payment to the kids and that they could request money. What I didn’t like was that it took 2 days to transfer funds. But after a couple transactions I was “approved” for immediate availability of funds. That was great but then there was an issue when current send a notification that the approval had been revoked because the funds weren’t paid. There was money in the account so I was confused. Instead of being able to call them and resolve it like every other service Current only gives you the option to email customer support. FRUSTRATING!!! The responses are slow and it’s absolutely ridiculous that in a business where you deal with OTHERS MONEY that you would have NO OPTION TO SPEAK TO SOMEONE. So now my acct is “suspended for review” AND I CAN’T REACH ANYONE TO DISCUSS IT AND RESOLVE IT so my money sits in a Current acct that I can’t even sign into while they are “reviewing”. And for something that has no website access the app isn’t detailed enough..Version: 3.2.0

Needs workIt’s a good app all together, I do have an issue with the customer service. It takes forever to connect to a representative & once you do it doesn’t notify you so the representative usually just ends the chat if you don’t respond in a few minutes so you have to wait all over again to finally get connected to a new one. Also, if you need to dispute a charge that also takes forever. 30-45 business days I believe which is normal but I should at least be able to get my money back before that especially if it was fraud. I also don’t like the gas holds feature, say for example you only want to put 20 dollars in your tank & that’s all you have in your account, the gas station will try to charge you 100 bucks instead of 20. So it just declines at the pump and you have to pay on the inside. If you want to go to a bank atm to withdraw money, the atm already has a 2-3 dollar fee since it’s a different bank, but on top of that this card charges you another 2-3 bucks so all in all your fee is 5.50 or something like that which is way too much. It’s just little things I have issues with but other than that like I said, it’s a good working app..Version: 4.11.16

Smooth Sailing Now!I’ve made my Current account & have had it for about 2-3 weeks now. I have the free account to check it out then upgrade it to the monthly payments. I like the layout of the app it’s beautiful, but not user friendly to everyone unless you look up where what is & that’s how you get much insight or just by playing in the app to see what you have. Today I just received my card it’s been a little longer than I expect. They said it would take up to 5-7 business days to receive & it took a little longer than expected. So I had to use the temporary card on my Apple Pay to use it in physical stores. If they don’t take Apple Pay then it was a hassle. I had to download the stores app to be able to purchase (Such as Tropical Smoothie, & Walmart) after that everything was smooth. The only other thing was depositing my money from my other bank account. It took forever & it’s not a good way to transfer money. Such as Cash App. Other than that I’ll see what Current is about now & update later on maybe. Oh & customer service is very nice & helpful they let you know what they can..Version: 4.7.3

Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!AdvertorialVersion: 6.23.0


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