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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.
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Current has been an essential tool in teaching my teen financial responsibility. Having a debit card that 1) doesn’t fall into overdraft; and 2) gives him the freedom to make his own choices has been invaluable. I am feeling confident that when I do give him an actual bank debit card or credit card when he leaves for college he won’t go crazy and spend spend spend. He’ll have this foundation of good spending habits already in place. My son & I joke that it’s really the Bank of Mommy, since I get to control how much money is in the account at all times, and he has to answer to me when I see any charges. The allowance feature is nice, we have a weekly amount set up so he knows he can at least count on a small deposit every week. He’s too old now to be paid for chores (he’s 18) but it is nice to be able to instantly transfer money to his spending when he finds himself in a situation. And believe me, teens find themselves in all kinds of situations where they need an extra $10! Overall, this has been a great tool and the app is easy to use. The only problem we’ve run into is mobile check deposits directly to the account — they take longer than if you just deposit to your own bank and transfer over to Current.
I 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.
This 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!,!!
I have tried nearly every allowance app and current allowed me to schedule regular deposits on a particular date. However, when I went to set up regular allowance for the kids, it only gave me the option to transfer directly from my bank. It is not even an option to transfer from the parent account. That is the entire appeal of the app is to manage allowance funds in one central location. We get paid monthly so a monthly transfer to the parent account makes sense. However we want to pay the kids weekly from the funds in the parent account. As of yet I have not been able to set this up. I contacted support last week but beyond an automated response that said they received my message, I am still waiting to hear anything back. The concept is a good one, but perhaps not effectively executed. **UPDATE: I had to drop to one star because not only have I not had a response to my email, but I have been trying to get through on the phone and after about 20 minutes of holding a recording came on and said we are currently receiving a large volume of calls. Please email (tried that) or try our online support. Click. It hung up on me! After all that waiting, it doesn’t give you the option to continue holding your place in line. It just drops you so you either start over or give up. I am not giving up until I get a full refund.
I’ve had the current card for a while for my teenage son. I’ve been having no success at signing into the account through the website or the app. I’ve contacted the company and all I got was a succession of robo emails. There’s no one to talk to when you make a complaint just emails. I have no problem signing in but every time I do it automatically routes me to a verification page with no other options. It asks for all my info which I give and it tells me there’s already an account with that information. Duh!!! It’s me!!! No matter how many times or different ways I try to access the account it always routes me this way. My sister can log into my sons account with no issue. I’ve left email after email with nothing but automated responses. I’m about to cancel his card and my nieces card as I have no way to properly access the cards nor does anyone from the company seem interested in assisting me. This has been an ongoing nightmare. Be careful before you put money into this. It seems as if there’s a robot running the company instead of actual people. Has technology gone so far that people in a company don’t take the time to deal with customers anymore? When it comes to money, technology is great, but when there’s an abounding issue with my money, I want to speak to a real person. If I could give it less than one star I would.
Developed by Finco Services, Inc..
Current - Modern Banking is ranking in Finance & Shopping
Last update was at Oct 16, 2021and the current version is 5.4.4.
To see all other keys and revenue click here 1077366211
Current - Modern Banking have a 92 967a user reviews.