Current was founded in 2015 and is based in New York, NY.

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{{>oob_notice}}
{{>product_basic_intro}}
<h2 class="content-title">Key Takeaways</h2>
{{>takeaways_aggregate_checking_accounts}}
<h2 class="content-title">{{>seo_keyword}} Pros & Cons</h2>
{{>proscons_aggregate_checking_accounts}}
<h2 class="content-title">{{>seo_keyword}} FAQ</h2>
{{>product_deposits_insured}}

<h2>What APY does {{>seo_keyword}} offer?</h2>

{{#if features.apy.feature_value}}
  <p>{{>seo_keyword}} offers an APY
    {{#if features.apy.feature_value2}}
      starting at {{features.apy.feature_value}}% and up to {{features.apy.feature_value2}}%
    {{else}}
      of {{features.apy.feature_value}}%
    {{/if}}
    (APY stands for annual percentage yield, {{#ifCond parent_business_name '==' "Bank of America"}}see www.bankofamerica.com/depositsrates for today's rates{{else}}rates may change{{/ifCond}})
    {{#ifCond parent_business_name '==' "KeyBank"}}
      {{#if website_track}}. Visit <a href="{{website_track}}" target="_blank">KeyBank</a> for more details{{/if}}
    {{/ifCond}}.
  </p>
{{else if features.apy.feature_value2}}
  <p>{{>seo_keyword}} offers an APY of up to {{features.apy.feature_value2}}%
    (APY stands for annual percentage yield, {{#ifCond parent_business_name '==' "Bank of America"}}see www.bankofamerica.com/depositsrates for today's rates{{else}}rates may change{{/ifCond}})
    {{#ifCond parent_business_name '==' "KeyBank"}}
      {{#if website_track}}. Visit <a href="{{website_track}}" target="_blank">KeyBank</a> for more details{{/if}}
    {{/ifCond}}.
  </p>
{{/if}}

{{#ifCond features.apy.feature_value '>' 1}}
  <p>This is higher than the typical APY for online-only checking accounts, which is around 1% APY.</p>
{{/ifCond}}

{{#ifCond features.apy_minimum_balance.feature_value '>' 0}}
  <p>However, to earn interest, account holders must keep an average beginning day balance of ${{features.apy_minimum_balance.feature_value}}.</p>
{{/ifCond}}
{{>category_table feature_category="purchase-interest"}}

<h2>What are the account minimums for {{>seo_keyword}}?</h2>

{{#if features.minimum_initial_deposit.feature_value}}
  {{#ifCond features.minimum_initial_deposit.feature_value '>' 0}}<p>{{>seo_keyword}} requires a minimum initial deposit of {{currency features.minimum_initial_deposit.feature_value}}{{~#ifCond features.minimum_initial_deposit.feature_value2 '=='features.minimum_initial_deposit.feature_value2 }}.{{else}}{{#if features.minimum_initial_deposit.feature_value2}} to {{currency features.minimum_initial_deposit.feature_value2}}{{/if}} to open an account.{{/ifCond}}</p>
  {{else}}
    <p>{{>seo_keyword}} does not require a minimum initial deposit.</p>
    {{/ifCond}}
{{/if}} 

  
{{>category_table feature_category="account-minimums"}}
  
<h2>What fees does {{>seo_keyword}} charge?</h2>
{{#if features.account_features.feature_options.[No Monthly Maintenance Fee]}}
  {{#if features.monthly_maintenance_waiver_requirements.feature_value}}{{features.monthly_maintenance_waiver_requirements.feature_value}}{{#if features.monthly_fee.feature_value2}} Otherwise, there is a monthly maintenance fee of {{#ifCond features.monthly_fee.feature_value '!=' features.monthly_fee.feature_value2}}up to {{/ifCond}}${{features.monthly_fee.feature_value2}}.{{/if}}
  {{else}}
  <p>The good news is that this account does not have a monthly Service Charge.</p>
  {{/if}}
{{else}}
  {{#if features.monthly_fee.feature_value2}}
    <p>This account charges a monthly maintenance fee each statement cycle of {{#ifCond features.monthly_fee.feature_value '!=' features.monthly_fee.feature_value2}}up to {{/ifCond}}${{features.monthly_fee.feature_value2}}. {{#if features.monthly_fee_waiver_requirements.feature_value}}However, you can waive the monthly service fee if you meet the following requirements.{{/if}}</p>
    {{#if features.monthly_fee_waiver_requirements.feature_value}}
      <ul>
        <li>{{features.monthly_fee_waiver_requirements.feature_value}}</li>
      </ul>
    {{/if}}
  {{/if}}
{{/if}}
{{>category_table feature_category="fees"}}
{{#if features.overdraft_item_fee.feature_value}}
<h3>Does {{>seo_keyword}} charge overdraft fees?</h3>
{{#ifCond features.overdraft_item_fee.feature_value '>' 0}}Yes, {{>seo_keyword}} charges a {{currency features.overdraft_item_fee.feature_value}} fee for every overdraft.{{else}}No, {{>seo_keyword}} does not charge overdraft fees.{{/ifCond}}
{{#if features.overdraft_protection_fee.feature_value}}{{/if}}{{#if features.overdraft_item_fee.custom_disclaimer_data.value}} <i>{{{features.overdraft_item_fee.custom_disclaimer_data.value}}}</i>{{/if}}</p>
{{/if}}
<h2>What features and perks does {{>seo_keyword}} offer?</h2>
<p>This account includes the following features:</p>
<ul>
  {{#if features.account_features.feature_options.[Automatic Savings]}}
    <li><strong>Automatic savings</strong> - Set up an automatic transfer from your checking account to a savings account and you'll never have to second-guess your saving decisions again.</li>
  {{/if}}
  
  
  {{#if features.bonus_offer.feature_value}}
  <li>{{{features.bonus_offer.feature_value}}}</li>
  {{else}}
  
  
{{#ifCond parent_business_name '==' "Bank of America"}}{{else}}

{{#ifCond features.signup_bonus.feature_value2 '>' 0}}
    <li><strong>{{currency features.signup_bonus.feature_value2}} Bonus offer.</strong> Open a new account and you can get {{#ifCond features.signup_bonus.feature_value '>' 0}}between {{currency features.signup_bonus.feature_value}} {{/ifCond}}up to {{currency features.signup_bonus.feature_value2}}{{#if features.signup_deposit_requirement.feature_value}} with required activities. Minimum deposit of {{currency features.signup_deposit_requirement.feature_value}} required to be eligible for a signup bonus{{/if}} (see terms and conditions for more details).</li>
{{/ifCond}}
{{/ifCond}}
{{/if}}
  
  {{#if features.account_features.feature_options.[ATM Reimbursement]}}
    <li><strong>ATM rebates -</strong> This account will reimburse you for any domestic ATM fees{{#if features.atm_reimbursement_limit.feature_value}} up to a monthly maximum of {{currency features.atm_reimbursement_limit.feature_value}}.{{else}}.{{/if}}</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Check Images with Statement]}}
    <li><strong>Check images with statement -</strong> Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Free Debit Card]}}
    <li><strong>Free debit card -</strong> Enjoy the convenience of a debit card without the extra fees. Debit cards make it easier to control your spending because unlike credit cards you can only spend what you already have in your account. {{#if features.account_features.feature_options.[Debit Card Lock/Unlock]}}{{>seo_keyword}} also allows you to lock and unlock your debit card if it's stolen or lost. {{#if features.account_features.feature_options.[Visa/Mastercard]}} Eligibile customers can also apply for a credit card with {{>seo_keyword}} and link it to their account.{{/if}}{{/if}}</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Fraud Monitoring]}}
    <li><strong>Fraud monitoring -</strong> {{>seo_keyword}} 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.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Free Bill Pay]}}
    <li><strong>Online Bill Pay -</strong> Online Bill Pay allows you to pay bills easily from your account.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Get Paid Early]}}
    <li><strong>Get paid early -</strong> If you set up direct deposit with your employer and request this service, you can collect your paycheck early.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Mobile Banking]}}
    <li><strong>Mobile Banking Services -</strong> {{>seo_keyword}} allows you to manage your money online or with a mobile app.{{#if features.account_features.feature_options.[Mobile Check Deposit]}} This includes depositing checks in your account with a mobile app on your smartphone.{{/if}}</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Nationwide ATM Network]}}
    <li><strong>Nationwide ATM network -</strong> Conveniently transact at a nearby ATM.</li>{{/if}}
  {{#if features.account_features.feature_options.[Savings]}}
    <li><strong>Savings account -</strong> {{>seo_keyword}} allows you link your checking account to a savings account. Connecting your checking account to a savings account reduces friction and makes it easier to put aside money toward savings on a regular basis.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Soft Credit Pull]}}
    <li><strong>Soft credit pull -</strong> {{>seo_keyword}} performs a soft credit pull so you can check whether you qualify without hurting your credit.</li>
  {{/if}}
  {{#if features.account_features.feature_options.[Zero Liability Policy]}}
    <li><strong>Zero liability policy -</strong> You will never be held responsible for unauthorized transactions made from your account or using your account information.</li>
  {{/if}}
</ul>

{{#if features.budgeting_tools.feature_value}}
{{business_name}} also includes the following budgeting tools.
{{>select_multi_table feature=features.budgeting_tools}}
{{/if}}

{{#if support_email}}
<h3>What is the customer support email for {{>seo_keyword}}?</h3>
<p>The customer support email for {{>seo_keyword}} is <a href="mailto:{{{support_email}}}">{{support_email}}</a>.
{{/if}}

{{#if features.login_url.feature_value}}
<h3>What is the customer login page for {{>seo_keyword}}?</h3>
<p>This is the customer login page for <a href="{{features.login_url.feature_value}}">{{>seo_keyword}}</a>.
{{/if}}

{{#ifCond total_vote_count ">" 4}}
<h3>How do people rate the customer service and user experience of {{>seo_keyword}}?</h3>
<p>Overall, {{>seo_keyword}} is {{nps_rating_lc}} based on community reviews that rate customer service and user experience.
{{/ifCond}}

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