Current

Current is a US neobank built around the paycheque. Salaries can land up to two days early, eligible members can advance up to 1,000 dollars, and overdrafts carry no fee provided there were at least 200 dollars of qualifying direct deposits in the previous 35 days and the negative balance is cleared within 60 days.

Savings pay 4 percent annualized on the first 2,000 dollars per pod and 6,000 dollars in total, with nothing above that; the Build Card requires no credit check and no annual fee and uses payment history to build a credit file. Crypto buying and selling is provided by Zero Hash, priced through the spread rather than a separate fee, and is not deposit-insured. Banking services come from partner banks Choice Financial Group and Cross River Bank, and membership exceeds 6 million. Savings pods support round-ups and goal setting, cards can be frozen instantly and limited by merchant category, and teen accounts link to a parent side with instant transfers. Support runs around the clock. Card spending is categorized by merchant type in real time.