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- Current: The Future of Banking Vs. Cleo AI: Cash advance & Credit
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Current: The Future of Banking vs Cleo AI: Cash advance & Credit Uso e estatísticas
Current is the future of banking. Spend, save, and manage your money better with our mobile banking app and Visa credit and debit cards so you can make the most of what you've got.
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 Cross River Bank, Member FDIC.
WITH CURRENT YOU CAN
BUILD CREDIT: Use your Build Card to build credit safely with every swipe, no credit checks required
ACCESS CASH: Qualify for up to a $500 Paycheck Advance⁶
SKIP THE FEES: Get fee-free overdraft & fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.¹
GET PAID: Payday comes up to 2 days faster with direct deposit²
SAVE: Earn up to 4.00% annual bonus on your savings³
GET REWARDED: Get up to 7x the points and cash back on swipes⁴
GET HELP: 24/7 support in the app
¹ Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees
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. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits
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. 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%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $100. No minimum balance required. See Current Boost Terms at current.com/docs
⁴ Points available at participating merchants. Teen accounts do not earn points
⁵ FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance up to $250,000 is available on customer funds through pass-through insurance at Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC where we have a direct relationship for the placement of deposits and into which customer funds are deposited, but only if certain conditions have been met.
⁶ For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. See Paycheck Advance Terms at current.com/docs/
The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. See back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
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A personal financial coach you can actually talk to about your daily, weekly or monthly budget. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments.
Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death).Want to know how much you spent on takeout last month? Just ask Cleo!
GET UP TO A $250 INSTANT CASH ADVANCE
Dump your overpriced overdraft and get a spot from Cleo instead. Cleo’s up to $250 cash advance has:
- No minimum or maximum time for repayment
- No interest
- No credit checks
- No late fees
- No direct deposit required
A Cash Advance (Earned Wage Access) is NOT a personal loan! Cleo is an Earned Wage Access app. There are no maximum annual percentage rate (APR) as there are no mandatory fees associated Cleo's cash advance. For example, if you request an advance for $40 and request it to be delivered on a non-expedited basis the total amount that you repay is $40.
SAVE WITH 3.52% APY
Grow your wealth with high-yield savings almost nine times higher than the national average. Think of it as the good kind of interest that accumulates on your savings.
BUDGET WITHOUT FEELING RESTRICTED
Build a personalized budget (with room for iced coffee). Cleo uses Plaid to read your transaction history in a read-only mode. She can then show you all your accounts in one place, serve you spending breakdown, and share monthly bill trackers and reminders.
BUILD CREDIT (WITHOUT A CREDIT CARD)
Glide your way to smoother approvals, lower interest rates, and higher credit limits with a credit score your parents can be proud of. Start building your credit with:
- No Interest
- Cash advance
- Credit score coaching
- $1 minimum deposit
ACCESS YOUR PAYCHECK UP TO 2 DAYS EARLY
Don’t wait until payday. Unlock your earnings early by setting up direct deposits.
LEGAL STUFF
(1) Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Same day transfers subject to express fees.
(2) The interest rate on your account is 3.66% with an Annual Percentage Yield (APY) of 3.72%, effective as of 09/19/2024. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
(3) Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval.
(4) Early access to ACH credit or direct deposit funds depends on the timing of the submission of the payment file from the originator and/or payroll provider.
Thread Bank generally makes these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.
The Cleo Grow subscription service offers users savings goals, hacks, challenges, and access to an annual percentage yield (APY) on savings.
The Cleo Plus subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, and access to cash advances if eligible.
Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.
The Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.
We only offer services in US and when user sets up account with Cleo they select a US state of residence.
Learn more about how we share and protect your data at [meetcleo.com/page/privacy-policy](http://meetcleo.com/page/privacy-policy)
Cleo AI Inc. Corporation Trust Center, 1209 Orange Street, Wilmington, DE 19801
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Current: The Future of Banking versus Cleo AI: Cash advance & Credit comparação de classificação
Compare a tendência de classificação de Current: The Future of Banking nos últimos 28 dias versus Cleo AI: Cash advance & Credit
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Compare a tendência de classificação de Current: The Future of Banking nos últimos 28 dias versus Cleo AI: Cash advance & Credit
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Current: The Future of Banking VS.
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3ezembro d, 2024