Current

Current provides a mobile banking app that helps users build credit while banking, with features like paycheck advances, fee-free overdraft, early direct deposit, savings pods with boosts, and cryptocurrency trading.

Individual consumers seeking a mobile-first banking experience, credit-building without traditional credit checks, early access to wages via direct deposit, and optional financial features (savings, rewards, and crypto) in one app.

No credit checks to build credit; fee-free overdraft for eligible direct deposits; paycheck advance up to $750; direct deposit can arrive up to 2 days early; crypto trading without trading fees via Zero Hash; savings boosts (Savings Pods) with potential higher yields; FDIC-related deposit arrangements via partner banks.

{"Credit score improvements typically referenced around six months for Build Card users","Immediate access to features upon eligibility and enrollment (e.g., paycheck advance, early direct deposit, overdraft) once criteria are met"}