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Companies

FinCo Services

Mobile banking app with early pay and credit building

Raised to date

$67.1M

of $97.1M offered across 1 Form D filing

Still open
$30M
Investors
18
Last filed
Jun 25, 2026

About

FinCo Services, Inc. operates as Current, a New York consumer fintech banking platform founded in 2015 by Stuart Sopp and Trevor Marshall. Current is a mobile-only app with no branches, offering spending accounts, savings, credit building and earned wage access through partner banks including Choice Financial Group and Cross River Bank. The company reports more than 5 million members and earns revenue primarily from interchange rather than customer fees.

Current positions itself around the paycheck rather than the account: fee-free overdraft, paycheck up to two days early, and advances of up to $750, aimed at everyday Americans underserved by traditional bank fee structures.

Funding

  • EquityFiled Jun 25, 2026Form D
    $67.1M/ $97.1M

Product

Current

Mobile banking app

A mobile banking app providing a debit spending account with early direct deposit, fee-free overdraft, savings pods and access to a nationwide fee-free ATM network, delivered through partner banks.

  • Direct deposit with paycheck access up to two days early
  • Fee-free overdraft for qualifying accounts
  • Access to 40,000+ fee-free ATMs

Built for

US consumers who live paycheck to paycheck and want fee-free everyday banking, early wage access and credit building

People on file