Current vs OnePay

Power up your paycheck when you switch to Current. Get paid faster, save smarter, and build credit with ease—all in one app. Join over 6 million members already banking with Current today. With Current you can: — Advance up to $750⁶: Access more of your paycheck if you qualify. — Overdraft fee-free⁵: Breeze from payday to payday without hidden fees. — Get paid up to 2 days early²: Receive your direct deposit as soon as your employer sends it. — Build credit while you bank. — Earn 1% cash back on eligible categories with your Build Card⁴. — Enjoy 24/7 member support. — Access 40,000+ fee-free ATMs nationwide¹. — Add cash in-store at locations like CVS, Walgreens, and McDonald’s. — Earn up to a 4.00% bonus on savings³ and save automatically with Round-Ups. See current.com/docs for full terms and conditions and current.com/legal_disclaimers for more info. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. ¹ Most AllPoint® ATMs are fee-free. To see if an ATM qualifies for fee-free ATM transactions, please check the Mobile App. ² Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Delays by the employer, payer, or their banks may result in delayed access to funds beyond our control. ³ Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, you must receive at least one Eligible Payroll Deposit equalling a minimum of $200 over a 35-day period. T&C: current.com/boost_terms_of_service ⁴ For eligible customers only. To earn Points, you must receive at least one Eligible Payroll Deposit of at least $200 over a 35-day period, and as applicable, make Build Card purchases at retailers whose merchant code is classified as either (i) Dining (e.g., restaurants) and Groceries (e.g., supermarkets) or (ii) belonging to the category or categories selected in the app, and complete other actions that Current may designate. Allow 3-5 business days for Points to post to your Current account. Points expire 365 days after they settle. T&C (including specific eligibility criteria): current.com/current_points_terms_and_conditions ⁵ Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive a minimum of $200 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. T&C: current.com/overdraft_protection_terms_of_service ⁶ For eligible customers only. Paycheck Advance is offered by Finco Advance LLC, a financial technology company, not a bank. T&C: current.com/docs/paycheck_advance_terms

Meet your money super app. Through OnePay, you can bank, send, pay, spend, and borrow — plus build credit and earn cash back and rewards. OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Member FDIC. Cash back earned as OnePay Points, redeemable as a deposit into a OnePay deposit account/other available options pursuant to the OnePay Rewards Terms at onepay.com/rewards-terms. For terms/conditions relating to OnePay products, onepay.com/terms. For individual reward details see OnePay app. For certain reward offers utilizing OnePay Credit Cards &, and 3rd-party cards linked in the OnePay Wallet, purchases must be made using the physical card. ^Fee-Free Overdraft is available to OnePay deposit accounts that have received Direct Deposits totaling $500+ in the current or previous month. You must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See onepay.com/overdraft-details Δ3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts. APYs are as of 7/27/26, but may change at any time before or after account opening. ‡Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC. See onepay.com/rewards-terms. +Subject to credit approval. Cash back is earned as points on purchases made with your OnePay CashRewards Mastercard, which can be redeemed as a statement credit, as a deposit into a OnePay deposit account, or other available options. * When you enable OnePay Crypto, you must also agree to the zerohash llc and zerohash liquidity services llc terms and conditions and enable your zerohash account. Crypto services may not be available in all states. The value of any cryptocurrency, including digital assets pegged to fiat currency, commodities, or any other asset, may go to zero. zerohash llc is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. **Teens are authorized users on their parent or guardian's Builder Card. When they turn 18, their Builder Card activity (starting from age 16) will be reported to the credit bureaus, provided they are still an authorized user, their SSN has been verified, and credit reporting has not been turned off. Credit score impact is independently determined and based on overall financial behavior; results may vary and are not guaranteed. Transactions using a virtual debit card are not reported. See OneProgress Services LLC (NMLS ID 2460509) Licenses at https://www.onepay.com/legal/licenses