Last Updated: 02/23/2026
SuperMoney User Recommendation Score +90
Strongly recommended10 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
$50(Verified 06/21/2024)
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Cashback Rewards
1%
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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 |
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Current Account FAQ
Are Current Account deposits federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) 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) .
| 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.
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| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
| Supported Options | Unsupported Options |
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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
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Message from Current Account
Contact
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