While Current has no physical branches, you can deposit cash at select stores. To find a store to deposit cash, go to the Current app, select the Money tab, then hit the Add Cash map to generate a list of locations near you. Current has majorly increased its Better Business Bureau (BBB) rating, currently holding a near-perfect A rating, and is accredited by the BBB. Not too long ago, they were getting a large volume of complaints about poor customer service and have seemed to have turned that around.

• You earn points by spending at any of the 14,000+ participating merchants, including gas stations, local businesses and restaurants.
• Once you set it up, Current tracks your spending in each category and alerts you when you get close to your limit.
• Current charges a $2.50 fee per transaction for out-of-network ATM use.
• While we are independent, the offers that appear on this site are from companies from which Finder receives compensation.

The University, which is based in Cambridge and Boston, Massachusetts, has an enrollment of over 20,000 degree candidates, including undergraduate, graduate, and professional students. In an April 14, 2025, letter titled “The Promise of American Higher Education,” Harvard Pres. Alan M. Garber agreed that the university had a “moral duty to fight antisemitism” and reported that efforts to do so were ongoing.

Student government

The federal government protects your money up to $250,000 per depositor, for each account ownership category, in the event of a bank failure. Current isn’t a bank and, in many ways, it operates differently from most online banks and other nonbanks. Current accounts are great for individuals who don’t want to pay fees and want budgeting and saving tools built into their bank accounts.

• Current is also best for someone looking to build up their credit score as its Current Build Card allows you to build credit safely with no interest charges and no annual fees.
• Harvard Business School is among the world’s most trusted sources of management education and thought leadership.
• Current is a neobank, a nonbank financial technology company that relies on a partner bank to provide FDIC insurance for customers’ deposits.
• Parents can transfer money to teens through the app, set up chores to complete, create automated allowance payments, set spending limits, block purchases at specific merchants and receive notifications of all purchases.
• I’m probably just over the top and I don’t care because I don’t play about my money, so if you promise 2 days in advance you should deliver that.

We utilize the world’s largest scholarly papers database with 115,295,786 scientific publications and 2,964,008,315 citations to rank universities across 246 research topics. In the overall rankings we add non-academic prominence and alumni popularity indicators. Always check official university websites for the latest enrollment information. The Harvard Crimson, founded in 1873 and run entirely by Harvard undergraduate students, is the university’s primary student newspaper. Many notable alumni have worked at the Crimson, including two U.S. presidents, Franklin D. Roosevelt (AB, 1903) and John F. Kennedy (AB 1940).

Antagonism between Harvard and the Trump administration escalated in late May 2025 when the Department of Homeland Security revoked Harvard’s certification under the Student and Exchange Visitor Program. The move effectively barred the university from enrolling foreign students—a group that represents more than a quarter of the student body. Harvard promptly sued, and a judge issued a temporary restraining order while the matter was reviewed. In response the administration suggested that Harvard’s remaining federal grants would be reallocated to trade schools or canceled altogether.

Education Studies 20255th

Current lets you create up to three separate savings pods, each earning up to 4.00% bonus on up to $2,000 if you set up direct deposits of at least $200. This means you can earn up to 4.00% bonus on a total balance of up to $6,000 if you save $2,000 in each pod. The spending account comes with three Savings Pods for setting current ratio aside money for a specific purpose. Current’s Savings Pods offer a rate of 4.00% — a competitive rate, but it’s only for customers who have direct deposits of at least $500. (The rate is technically called a “bonus rate” because Current, which isn’t a bank, pays customers the money.) A balance of at least $0.01 is required to earn interest. The Finder Score crunches over 300 checking accounts from hundreds of financial institutions.

It takes into account the product’s monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10. Current doesn’t charge a monthly fee for its Spend account, and there are no minimum balance requirements. Account holders can earn points by using their debit card at select retailers.

Fee-free Overdraft

The Current Build card’s spending balance is based on funds you add to your Current account. As you pay down your spending balance, your timely payments are reported to TransUnion, helping you build a positive credit history. But keep in mind that if you don’t pay off your balance on time, you’ll incur a 3% late fee of the total balance due. Providing digital banking services, Current has no physical locations you can visit.

Checking account ratings

Literary figures among Harvard graduates include Ralph Waldo Emerson, Oliver Wendell Holmes, Henry David Thoreau, Henry James, T.S. Eliot, E.E. Cummings, Norman Mailer, Helen Keller, Margaret Atwood, Susan Sontag, and Amanda Gorman. Other notable intellectual figures who graduated from or taught at Harvard include physicist J. Robert Oppenheimer, economist Amartya Sen, historians Francis Parkman and W.E.B. Du Bois, and the astronomers Benjamin Peirce and Neil deGrasse Tyson. William James introduced the experimental study of psychology into the United States at Harvard in the 1870s. There are four Harvard joint programs with MIT, which include the Harvard–MIT Program in Health Sciences and Technology, the Broad Institute, The Observatory of Economic Complexity, and edX.

Radcliffe College emerged as the female counterpart of Harvard College, becoming one of the most prominent schools in the nation for women. To be eligible, you must have set up payroll deposits from your employer, payroll provider or government payer to either your Current bank account, or to an external bank account you’ve linked to the Current app. There are other factors in eligibility as well, such as your deposit, spending, and transaction history.

Harvard University Acceptance rate and admissions statistics

And it has over four million customers to date, and its been in business since 2015. Customer support is available 24/7 through the chat feature within the app. Live customer service by phone is available for customers Monday-Friday 9 a.m.-8 p.m.

Access on the Go

Parents can also control settings for Teen accounts from within the mobile app, including pausing debit cards, automating allowance payments and setting chores to complete. Radcliffe College, one of the Seven Sisters schools that offered higher education to women at the time of founding, evolved from informal instruction offered to individual women or small groups of women by Harvard University faculty in the 1870s. In 1879 a faculty group called the Harvard Annex made a full course of study available to women, despite resistance to coeducation from the university’s administration. Following unsuccessful efforts to have women admitted directly to degree programs at Harvard, the Annex, which had incorporated as the Society for the Collegiate Instruction of Women, chartered Radcliffe College in 1894.

You can see if you’re eligible right in the Current app in the Money tab. Unlike most other secured credit cards, it has no annual fee and no interest charges. Current isn’t a bank — it’s a fintech with banking services provided by Choice Financial Group and Cross River Bank, which provides FDIC insurance of up to $250,000.

It’s also worth noting that each Pod is limited to holding a maximum of $2,000, so each customer is limited to earning that high interest rate on a maximum of $6,000. High-interest accounts at some other financial institutions have a higher balance limit or none at all. Yes, Current account holders have access to over 40,000 surcharge-free Allpoint ATMs across the U.S. Current charges a $2.50 fee per transaction for out-of-network ATM use.

NerdWallet has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open investment advisory accounts (Automated Investing Account and/or Treasury Account) with Atomic. NerdWallet receives compensation of up to 0.85% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and a percentage of free cash interest earned by clients, which creates a conflict of interest. Brokerage services for Atomic are provided by Atomic Brokerage LLC (“Atomic Brokerage”), member of FINRA/SIPC and an affiliate of Atomic, which creates a conflict of interest. See details about Atomic, in their Form CRS, Form ADV Part 2A and Privacy Policy. See details about Atomic Brokerage in their Form CRS, General Disclosures, fee schedule, and FINRA’s BrokerCheck. Customers can make fee-free withdrawals at more than 40,000 in-network Allpoint ATMs across the country.

Staying in touch is always affordable and fun with our selection of gifts, greeting cards, and everyday essentials. Harvard University is a world-class research university with 669,060 scientific papers published and 43,305,893 citations received. The research profile covers a range of fields, including Medicine, Biology, Chemistry, Genetics, Biochemistry, Computer Science, Pathology, Liberal Arts & Social Sciences, Psychology, and Engineering. There are more than 400 student organisations on campus, and Harvard’s medical school is connected to 10 hospitals. The private Ivy League institution has connections to more than 45 Nobel laureates, over 30 heads of state and 48 Pulitzer prizewinners.

That hold time can vary just by the payroll person alone doing the direct deposits at your place of employment. I do have an issue with the amount of money you can deposit via checks. Twice now I have had checks issued to me for over $2,000 with no ability to cash them. The last time I had to turn the check back in to the issuing party and have them write me 3 checks for less than $2000, which took an entire month. I deposited one check and it takes them longer than the usual 3 days to get to and be cleared by the Federal Reserve.

Both the Premium and Basic checking accounts that Current offers does not allow overdrafts so you can’t withdraw/spend more than your available balance. Your money is insured for up to $250,000 through Current’s issuing bank, Choice Financial Group and Cross River Bank. Current also uses several security protections to keep your information safe.