Current Visa

About Current Visa Current Visa is a U.S.-based Visa debit card issued through Current's mobile banking platform (Finco Services, Inc.), enabling everyday Americans to access fee-free banking directly from their smartphones.

Founded in 2015 by Stuart Sopp and Trevor Marshall, Current issues Visa debit cards backed by FDIC-insured partner banks — Choice Financial Group and Cross River Bank — providing $250,000 in deposit protection without requiring a traditional bank branch visit.

Cardholders benefit from early direct deposit (up to 2 days faster), fee-free overdraft protection, and instant gas hold releases — plus access to 40,000+ surcharge-free Allpoint ATMs nationwide.

In October 2022, Current began processing Visa transactions directly with Visa, bypassing third-party BaaS processors — a structural upgrade that delivers faster transaction settlement and improved reliability for cardholders.

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