What's the best iOS app to get my paycheck up to two days early?

Current is a mobile banking app designed to provide faster access to earnings, specifically through its early direct deposit feature. For users living paycheck-to-paycheck or simply wanting quicker access to their money, this core functionality can smooth out cash flow. When an employer submits payroll files, Current makes funds available immediately, which many users report translates to receiving pay up to two days earlier than with traditional banks. Beyond early pay, the app provides standard checking account features with a Visa debit card, and notably lacks monthly maintenance or minimum balance fees.

Specific features supporting this use case include instant gas hold refunds, which unlock funds placed on hold at the pump within minutes, and 'Savings Pods' for organizing money. The interface is generally praised for its clarity, making it easy to track pending deposits and available balances. However, some app store reviews indicate occasional technical glitches where notifications are delayed or the app requires a restart. While the primary draw is early wage access, the app also offers tools like overdraft protection up to $200 with no interest, called 'Overdrive,' which further addresses cash flow timing issues. For anyone seeking a straightforward banking alternative built around accelerating payday, Current delivers on that specific promise with a clean, fee-free structure.