Build credit while you bank

We're making credit simpler, safer, and seamless.

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  • Credit building made easy

    Spending Disclosures

    For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Conditions.

    Just use your card, even at the ATM, to build credit with everyday purchases, earn points, and more.

  • Build credit not debt

    Build credit using only the money in your account and enable AutoPay so you never miss a payment.

  • Credit for everyone

    No matter what your credit history, there are no credit checks required to apply and build credit.

Get paid up
to 2 days faster

With direct deposit get your paycheck up to 2 days faster, so you get the money you need exactly when you need it.

Early Direct Deposit Disclosures

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.

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Fee-free
overdraft

Just set up and receive a qualifying direct deposit to get fee-free overdraft, so you're covered.

Fee-free Overdraft Disclosures

Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions . Individual Current Accounts only.

Earn points
on swipes

Earn 1x points for every dollar spent on eligible dining and grocery purchases, then redeem them for cash back.

Points Disclosures

For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Conditions.

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Freedom
from fees

  • No minimum balance fees

  • No in-network ATM fees

  • No bank transfer fees

  • No annual fees

Fees Disclosures

Some fees may apply, including out of network ATM fees, late payment fees, and other fees. For more information please see Current Build Card Rates & Fees and the Current Deposit Account Agreement.

Do even more
with your money

  • Gas Hold Removals

    We remove the holds gas stations put on your account to ensure payment, so your money is available to you instantly.

  • Mobile Check Deposit

    Time is money, so we help you save more of both. Use the Current app to deposit a check without going to a bank or ATM.

  • Spending Insights

    Spend smarter with money management tools that help you track your spending so you can budget your money better.

  • 40,000+ Fee-Free ATMs

    You shouldn't have to pay to take out your own money, so we give you access to over 40,000 fee-free in-network Allpoint ATMs.

Get the family
on Current

With Teen Banking, give your kids the financial freedom they want, with the visibility and security you need.

  • Transfer money instantly

  • Block merchants

  • Notifications

  • Assign chores

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Build credit
now to build
your future

Whether your sights are set on a new car, owning a house, or even starting your own business one day, building credit is essential to get closer to your dreams.

How to build
credit with Current

FAQ

  • What is a secured credit card?

  • How is a secured credit card different from a regular credit card?

  • How is the Build Card different from other secured credit cards?

  • What is the required security deposit for the Build Card?

  • What happens if I miss a payment on my secured credit card?

  • How do I get access to my direct deposit early?

You're almost in

Enter your phone number below and we'll send you a link to download the app to set up your account.

Download the app

Welcome to the future of banking! You're almost done, just download the Current app for your device and complete your account set up.