Current

Current Current gives kids a debit card parents can still monitor and control. Enjoy fee-free ATMs, overdraft coverage up to $200, paycheck advance up to $750, faster direct deposits, and 24/7 in-app support.

Current

Current lets you hand your child a debit card while you can still keep an eye on it—and adjust control if you want. It’s designed for parents who want to give kids card access without worrying about purchases that go over their limit, spending beyond a set budget, or overdrawing funds.

Key Features

• Build Credit: Use your Build Card to work on credit while you bank—no credit checks required.
• Paycheck Advance: You may qualify for up to a $750 Paycheck Advance with no mandatory fees. ⁶
• Avoid ATM Fees: Withdraw cash for free at 40,000 Allpoint ATMs across the U.S. ¹
• Faster Direct Deposits: Get paid up to 2 days earlier with direct deposit. ²
• Get Covered: Access fee-free overdraft up to $200. ⁵
• Save and Earn: Earn up to 4.00% annual bonus on your savings. ³
• Earn Rewards: Earn 1x points for every dollar spent at any grocery store or restaurant. ⁴
• Help When You Need It: 24/7 support available inside the app.

Important Notes

• ¹ If you use an out-of-network ATM, a $2.50 per-transaction fee may apply, except at Allpoint ATMs in the U.S.



• ² “Faster access” depends on how traditional banking policies compare and on whether your employer or government deposits paper checks versus electronic deposits. Earlier availability also depends on when the payer submits the deposit.
• ³ The Boost rate for Savings Pods can change at any time. The shown rate is effective as of August 1, 2023. You must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on balances up to $2,000 per Savings Pod (up to $6,000 total). Any remaining balance earns 0.00%. To reach the 4.00% Boost rate, your total Eligible Payroll Deposits over a rolling 35-day period must be $500+, including at least one Eligible Payroll Deposit of $200+. See Boost Terms.
• ⁴ Points are for eligible customers only. Points apply to Build Card purchases made at retailers classified as Dining and Groceries. Point amounts and earning requirements vary at Current’s discretion. Points expire 365 days after they settle. See Points Terms.



• ⁵ The real overdraft amount may vary at Current’s sole discretion. To qualify, you must receive $500+ in Eligible Payroll Deposits into your Current Account during the prior 35 days, along with other requirements set at Current’s discretion. Any negative balance must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. See Fee-free Overdraft Terms.



• ⁶ For eligible customers only. Your actual available Paycheck Advance amount appears in the mobile app and may change. Eligibility and conditions can change anytime at the sole discretion of Finco Advance LLC. Finco Advance LLC is a financial technology company, not a bank. Faster access to your Paycheck Advance is optional and may include an Instant Access Fee; it may not be available to all users. Expedited disbursements may take up to 1 hour. See Paycheck Advance Terms.

Bottom Line

Current’s debit card experience is built around transparency: there’s a set monthly cost, and the system is meant to give your child access to their account while still keeping you in the loop. You can set up automated payments for maintenance or spending money, and you’ll be able to monitor what your child is buying.