Current (financial services company)

Current (Finco Services, Inc.) is an American financial services and software development company (FinTech) based in New York City which provides mobile banking services through its partner banks, Choice Financial Group and Cross River Bank.

The company offers spending accounts, which include early access to paychecks, fee-free overdraft, secured credit building, earned wage access, savings boosts up to 4%, fee-free ATMs, cryptocurrency and redeemable points for cash back. Current’s mobile banking services do not have annual fees, overdraft fees or minimum balance requirements.

Current provides services through its mobile app, and has no physical branches. Account-holders are issued Visa debit cards or credit cards, and have access to an online banking system accessible via the mobile app for Android or iOS.