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Current is a U.S. financial technology platform that offers mobile-first spending and banking-related services. Its account features include spending tools, paycheck access, and optional credit or advance products for eligible members. Current is a financial technology company rather than a bank; banking services are provided through partner banks, and deposit insurance depends on the applicable pass-through requirements. The company says it develops proprietary core banking technology to integrate member features in one platform. Product access, advance amounts, eligibility, and fees vary by feature and customer, and are governed by the relevant agreements.