Our verdict
Current is a fintech company with banking services provided by Choice Financial Group. There are no monthly fees, no overdraft fees and no minimum balance requirements to use the account. Plus, you can create three savings pods and earn up to 4% APY on up to $2,000 in each pod if you set up qualifying direct deposits. When you get a Current account, you can pair it with Current's Visa Debit Card for everyday use or its secured charge card, called Current Build, which can help you build a positive credit history with no annual fees and no interest charges. On the downside, you can only access your Current account via its app, you can't open joint accounts and there's no customer support number.Best for: Those in need of an all-in-one account with low fees and credit-building options.
- No monthly fee or opening deposit requirement
- 4% APY on up to $2,000 in each savings pod with direct deposits
- Earn up to 15x in cashback rewards
- Builds credit history with the Current Build card
- No customer support phone number
- No joint accounts
- $3 plus 3% on international ATM withdrawals
Can you withdraw money with a negative balance at the ATM with the Current card?
Hi Allen,
Thanks for reaching out to Finder.
Both the Premium and Basic checking accounts that Current offers does not allow overdrafts so you can’t withdraw/spend more than your available balance.
You may also contact Current directly and verify this information with them.
I hope this helps.
Cheers,
Charisse
Does this card work in Jamaica?
Hi Deniesa,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
Yes, the Current card should work wherever Visa is accepted and can be used to withdraw cash from ATMs while in Jamaica. There are some fees you should be aware of though before your travels. This is mentioned above.
However, if you are going to open a Current Checking Account in Jamaica, you might not be able to do so especially if you don’t have a Valid US residential address.
Before you open an account, I would advise that you check their terms, conditions, and eligibility requirements to know if this is the right account for you.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
How do I retrieve my loan that were sent to Choice Financial Group three the current card
Hi Reggie,
Thanks for your comment and I hope you are doing well. While we review Current Checking Accounts on our page, it’s helpful to know that we don’t work with them directly and unfortunately, I am limited with only the information give on the page above. If you’d like to speak to Choice Financial, please head over to their official website and click the CONTACT US tab. You will find a contact form where you leave a message for them to review and contact you directly.
Hope this helps!
Best,
Nikki
I’m trying to find out what bank is backing the Current card.
Hi Anthony,
Thanks for reaching out to Finder.
The Current card is issued by Choice Financial Group while the Current White Prepaid Visa Card is issued by Metropolitan Commercial Bank.
I hope this helps.
Cheers,
Charisse