Current Build

Premium mobile banking and a Visa Debit Card

Updated: Sep 19, 2023

Advertiser Disclosure

In our rapidly evolving digital era, the Current Build Visa Card sets a benchmark in innovative banking solutions. Prioritizing easy credit access, it introduces a no-credit-check approach, welcoming everyone to establish their financial footprint. Its wide range of benefits, from early payments to a commanding 4.00% APY on savings, showcases its commitment to redefine personal finance. And with the added advantage of fee-free crypto transactions, it's evident that this card isn't just about conventional banking; it's about equipping individuals for the future of finance.




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Current Build

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Key Features

  • Build your credit safely
  • Get paid up to 2 days faster with direct deposit
  • Grow your savings and earn up to 4.00% Annual Percentage Yield
  • No credit checks or history required
  • Current lets you add cash to your account at over 60,000 stores just by having a cashier scan a barcode.
  • Member funds are insured up to $250,000. Deposits are insured through Current's partner bank, Choice Financial Group, Member FDIC.

Our Take

The Current Visa debit card comes with an Online Banking account and offers Classic and Teens targeted debit cards. Current accounts are FDIC insured and have free overdraft protection. Once you make a direct deposit of $200 or more from your employer you at once start earning rewards. The Current is best for:

  • People looking for low fee Visa debit cards that are easy to apply and get approved;
  • Parents with several teens who can’t get a joint account and need a financial tool to help their children learn money management;
  • Parents wanting to monitor the spending of their teens help them manage their income and allowance.

Current Visa Debit Advantages

The Current Visa Debit Card offers a fantastic range of benefits.

  • Cash Back Rewards. Earn up to 15x points with each purchase and scan all merchants in your vicinity to see how many points they offer you.
  • Real-Time Alerts & Notifications. Track and monitor spending and card usage on the main and child’s accounts and get notified on each transaction and how much balance the card has left.
  • Set Savings Goals. The Current Visa Debit Card offers the Savings Pod feature that allows the cardholder to set up another savings account for storing funds based on a round-up method. Each transaction will be round up to the nearest dollar, automatically saving the difference by depositing it into the additional savings account.
  • Strong Security. Parents can lock and unlock their cards whenever needed. Each card and account has its own login credentials, and the teen’s account can never access the main account information. Finally, there is also additional protection via Visa’s fraud liability program.
  • No Hidden Fees. The Current Visa Debit Card has no hidden fees to worry about.
  • Gas Hold Refunds. Most gas stations put a hold on your card when you use it to buy gas. Current will refund the hold, allowing you access to your full balance at all times.
  • Mobile Check Deposit. Use the Current App to deposit a check.
  • Early Payment. Current allows owners of a Premium account to get their direct deposits two days earlier than traditional banking institutions.
  • Free ATMs. Current has access to more than 50,000 in-network ATMs with no fees.
  • Overdraft Protection. Owners of a Premium account also get overdraft protection up to $200.
  • 3 Plans. Current offers three debit card plans for adults, teens, and youth.

Available Current Plans

PlansPlan NameDetailsCardPricing
PLAN 1Teen BankingTeen and Parents account chore/allowance set up tools, spending limitations, alerts, etcVisa Debit$0
PLAN 2Personal CheckingA no-fee account with fewer features and reward pointsVisa Debit$4.99 / month
PLAN 3Premium CheckingAn upgraded account with a monthly fee, overdraft protection, and more.Visa Debit$4.99+ / month


Just like any other debit card, the Current Visa Debit Card has some disadvantages:

  • Account limitations include maximum daily ATM withdrawal, maximum transaction amount, and maximum daily purchases;
  • Monthly and annual fees;
  • International transaction fees;
  • International ATM fee;
  • Paper statements charges;
  • Replacement card fee;
  • The card is only available to U.S. residents.

What Makes It Different

With the Current Visa Debit Card, you’ll have access to more than 60,000 stores for cash deposits and over 55,000 in-network ATMs. The Current offers the Current app that allows you to monitor your spending and get 24/7 customer support. Thanks to its advanced features, the card offers parental control, real-time notifications, block merchants, spending limits, and instant fund transfers. The card also has a chore feature that allows parents to set up chores for their kids and pay an allowance to the card when chores are completed. Aside from early payments and no overdraft fees, what makes the Current Visa Card stand out is the Savings Pod feature for adding the savings account to the main parent account.

Bottom Line

The Current Debit Card is a perfect way to teach your teens about the importance of responsible spending and financial behavior. The card offers a wide range of fantastic features at reasonable monthly and annual fees. Although there are additional fees to consider and some limitations, the card offers quite a few perks for parents who need to control their children’s spending habits. However, the only way to get all the features is to upgrade to premium.

Current Visa Debit Card Competition

Frequently Asked Questions

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Basic Information
Issuer: Other Issuers
Category: Consumer (Stored Value)
Best Used For:
Rewards: Yes
Reward Types:
Reward Units: Cash
Rates & Fees
Annual Fee: $0
Opening Min: $0
Application Fee: $0
ATM Fee: $2.5
Other Fees:
  • Monthly Subscription: $4.99 /month
  • Teen Subscription: $36.00 /year
  • AllPoint Transactions: FREE
  • Overdraft Fee: $0
  • Cash Load Fee: $3.50
  • International Transaction Fee: 3%
  • Replacement Card Fee: $5.00
  • Express Mail Fee: $20.00

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*The information provided for Current Build is believed to be accurate at the time of evaluation or recent update on September 19, 2023. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

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