Current is a mobile banking app with a Visa debit card that gets you paid up to two days faster and gives you free overdraft up to $100 with no hidden fees.Banking services provided by Choice Financial Group, Member FDIC.. Current members can earn up to 15x points from purchases that can be redeemed for cash back. A live map in the Current app shows all nearby participating merchants. Current has over 55,000 free ATMs, instant gas hold refunds and tools to manage your money as well as 24/7 member support. Download our app to join the Current Community!