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Last Updated: 02/23/2026

Current Account

from Current

Last Updated: 02/23/2026

Strongly recommended10 total votes

9 users recommend

1 users are unsure

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Highlights

Community Rating

Strongly recommended

Welcome Offer

$50(Verified 06/21/2024)

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Cashback Rewards

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APY (Annual Percentage Yield)

Up to 4%(Verified 06/21/2024)

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Monthly Service Fee

$0(Verified 01/21/2026)

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Number of Reviews

Current Account Review

The Current Account is offered through Current, a financial technology company founded in 2015 and based in New York, NY. It is made possible by a bank partnership with Choice Financial Group, Member FDIC. Current Account is available in 50 states and Washington, DC.

Key Takeaways

$50 Bonus offer. Open a new account and you can get up to $50 (see terms and conditions for more details).
1% cash back.Earning rates over 1x are only available on Individual Current accounts when you make purchases at our participating partner merchants. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders.
Up to 4% annual percentage yield (APY). This account offers an annual percentage yield of up to 4%, which is much higher than the average for the checking accounts that we track (see terms and conditions for more details).
No minimum initial deposit. There is no minimum balance required to open an account online.
No ATM fees. Current Account does not charge fees on ATM transactions within its network but there is a fee of $2.5 for out-of-network ATM transactions .
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Current mobile or online banking.
Early direct deposit. You could have access to you paycheck funds faster if you set up a direct deposit to this account.
Soft credit pull. Current will not perform a hard credit pull when you open an account.

Current Account Pros & Cons

Pros

Cons

Early access to your paycheck.
Live chat available 24/7 in the Current app.
Fee-Free Overdraft up to $200*
Offers a $50 bonus offer.
Available in 50 states and Washington, DC.
High yield APY (see terms and conditions for details).
Debit card and the option to lock/unlock the card if lost or stolen
No charge on incoming domestic or international wire transfers.

Online-only account with no access to physical branches.
Charges a fee on out-of-network ATM transactions. 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.

Current Account FAQ

Are Current Account deposits federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #9423) through Choice Financial Group, Member FDIC . The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Current Account offer?

Current Account offers an APY of up to 4% (APY stands for annual percentage yield, rates may change) .

Current Account Rates & Terms

Description

APY (Annual Percentage Yield)

Up to 4%

What are the account minimums for Current Account?

Current Account does not require a minimum initial deposit.

Current Account Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $0

Minimum Opening Deposit

Minimum Average Combined Balance to Avoid Monthly Maintenance Fee

Starting at $0

What fees does Current Account charge?

This account charges a monthly maintenance fee each statement cycle of $0.

Current Account Fees

Description

Monthly Service Fee

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $2.5 (see terms and conditions)

Overdraft Item Fee

Starting at $0

Early Account Closure

Starting at $0

Returned Deposit Fee (Domestic)

Starting at $0

Card Replacement Fee (Standard Delivery)

Starting at $5

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $0

Foreign Transaction Fee (Debit Card)

Starting at 3%

Wire Transfer Fee - International (Incoming)

Starting at $0

Returned Deposit Fee (International)

Starting at $0

Wire Transfer Fee - US Domestic (Incoming)

Starting at $0

Does Current Account charge overdraft fees?

No, Current Account does not charge overdraft fees.

What features and perks does Current Account offer?

This account includes the following features:

$50 Bonus offer. Open a new account and you can get between $50 up to $50 (see terms and conditions for more details).
Fraud monitoring - Current Account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Get paid early - If you set up direct deposit with your employer and request this service, you can collect your paycheck early.
Mobile Banking Services - Current Account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.
Soft credit pull - Current Account performs a soft credit pull so you can check whether you qualify without hurting your credit.

Current Account also includes the following budgeting tools.

Budgeting Tools

Supported Options

Unsupported Options

Expense Tracking
Savings Goals
Automatic Savings
Spending Insights
Round-Up Savings

Spending Alerts
Budget Categorization
Bill Payment Reminders
Personalized Budget Recommendations
Integration with Financial Apps
Transaction Splitting
Recurring Expense Management
Financial Health Scores
Cash Flow Analysis

What is the customer support email for Current Account?

The customer support email for Current Account is support@current.com.

How do people rate the customer service and user experience of Current Account?

Overall, Current Account is strongly recommended based on community reviews that rate customer service and user experience.

Current Account Disclosure: 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 $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions. Faster access to funds is based on a 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 are subject to the timing of the payer's submission of deposits.

View Current Account's published terms & conditions

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Current Account

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. 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. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

Current is a mobile banking app with a Visa debit card that gets you paid up to two days faster with direct deposit and gives you fee-free overdraft up to $200 with our Premium Account.

Current Premium Members can earn up to 15x points on purchases that are redeemable for cash back, get their gas holds instantly removed and all members have access to over 40,000 fee-free Allpoint ATMs in the U.S., 24/7 support and never pay hidden or overdraft fees or a minimum balance requirement.

Current is a multi-product fintech, offering accounts for everyone regardless of age or income level.

Contact

Visit Site

Email Support

Hours of Operation

Sunday

12:00AM - 12:00AM

Monday

12:00AM - 12:00AM

Tuesday

12:00AM - 12:00AM

Wednesday

12:00AM - 12:00AM

Thursday

12:00AM - 12:00AM

Friday

12:00AM - 12:00AM

Saturday

12:00AM - 12:00AM

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +90, or 4.8 on a 5-point rating scale.

+90

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Current Account Community Reviews

Would you recommend Current Account to your friends?

Sara T.

May 24, 2022

May or may not recommend

It can have a monthly fee and there are other apps that have better features but I still recommend it, it has saving, credit card and checking account options. You can check your credit score on it as well and I do enjoy it overall.

Misty H.

Aug 28, 2021

May or may not recommend

If you have a good credit score this is a good bank but if not don't bother trying to get an account.

Emily A.

Aug 27, 2021

May or may not recommend

I LOVE how simple and easy it is to track spending through insights. I don't have to worry about hidden fees.

Sarah D.

Aug 20, 2021

May or may not recommend

I have friends who use Current and it's apparently very similar to my bank and it is prepaid I believe. They get their SSI checks early like me.

Jazmine D.

Aug 12, 2021

May or may not recommend

My experience with current was positive the entire time that I was with them. Customer service was great never had a rude customer service representative or anything and if I did have issues they were really quick to respond which I loved because I’m a mom of two and I work so everything has to be quick fast and in a hurry. When I got current I didn’t have ...Show More

Michelle S.

Jul 7, 2021

May or may not recommend

I like banking with current because of the fee-free overdraft which comes in handy when you forget what expenses are coming out. I have the basic account with no monthly fee.

Shoane C.

Jun 28, 2021

May or may not recommend

I have this checking account by Current as I write this review. A current account, also known as financial account is a type of deposit account maintained by individuals who carry out significantly higher number of transactions with banks on a regular basis. ... Current accounts also allows to make payments to creditors through the cheque facility offered by the bank. I honestly like this particular, because they help you ...Show More

Ava B.

Jun 27, 2021

May or may not recommend

I would definitely recommend Current Account for checking if you're looking for an account that has no minimum deposit when setting up the account. I greatly appreciated that once you set up a direct deposit you were able to have early access to your paycheck. The only downfall to the account is that there's a monthly fee to maintain the account.

P N.

Jun 11, 2021

May or may not recommend

Current Account Checking Accounts has the most efficient checking account I have ever seen. Not only are they super-fast with their procedures, it is very easy to deposit my money and withdraw it with just a few click. I have never been happier with a checking account company like this before.

Rene P.

May 29, 2021

May or may not recommend

I'm a huge advocate for banking or credit cards with the least amount of fees and charges possible. My Current account is one of the cards I can even give to the kids and not worry about overages or huge setbacks. I was worried at first cause it's one of these new banking companies but overall I have had no issues whatsoever.

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