# Current — Payment Provider

US consumer fintech operating under the brand Current; a mobile banking platform offering early direct deposit, fee-free overdraft, savings pods, and teen accounts. Banking services are provided by partner banks Choice Financial Group and Cross River Bank (both Member FDIC); Current is not itself an FDIC-insured bank.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** US Mobile Banking
- **Fees:** Free basic; Premium $4.99/month
- **Fee model:** free
- **Headquarters:** New York, US
- **Founded:** 2015
- **Settlement time:** 3–5 business days
- **Sandbox:** no
- **Webhooks:** no
- **Categories:** regional
- **Regions:** north-america
- **Countries served:** 1 (US)
- **Payment methods:** ach, debit_card, direct_deposit, visa
- **Features:** instant-payout, low-fees
- **Platforms:** mobile

## Legal & compliance

1 legal entity on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/current-bank#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=current-bank&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/current-bank

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)