{"account":{"slug":"current-account","bank":"Current","name":"Current Account"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://current.com/","history":[{"date":"2026-06-11","apy":"4.00% boost on the first $2,000 in each of 3 Savings Pods ($6,000 total); balance above that earns nothing","monthlyFee":"$0 (premium tier made free in 2026; no paid plans remain)","minimumOpen":"None","atm":"40,000+ fee-free Allpoint ATMs; no out-of-network rebates","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"4.00% boost on up to $2,000 per Savings Pod ($6,000 total) with a $200+ payroll deposit every 35 days, 0.25% otherwise; balance above the cap earns nothing","monthlyFee":"$0; no account fee listed on the product page","minimumOpen":"None","atm":"40,000+ fee-free Allpoint ATMs; no out-of-network rebates","note":"4.00% pod boost now requires a $200+ payroll deposit every 35 days (0.25% otherwise); paycheck advance raised to $1,000; overdraft amount discretionary; $3.50 retail cash-deposit fee; 40,000+ ATMs and Choice Financial/Cross River pass-through reconfirmed","sourceUrl":"https://current.com/","sourceLabel":"Current product page"},{"date":"2026-10-23","apy":"Adult Boost: 4.00% on up to $2,000 per Savings Pod ($6,000 total) with a $200+ eligible payroll deposit every 35 days, 0.25% otherwise; no earnings above the cap. Optional Current Max can add a separate savings boost. Teen Accounts are excluded; these are bonuses, not bank interest","monthlyFee":"$0 regular account fee; optional Current Max subscription has separate in-app pricing and terms","minimumOpen":"None","atm":"40,000+ fee-free Allpoint ATMs; $3.50 domestic out-of-network withdrawal fee plus operator fees; no out-of-network rebates","note":"Scoped review separated teen eligibility from adult Boost, Build Card and overdraft; added optional Current Max subscription and corrected domestic out-of-network ATM fee to $3.50 using the current agreement and support article. Removed unsupported all-premium-features-free claim. October 12 full-record date and earlier history retained.","sourceUrl":"https://current.com/docs/choice_account_agreement/","sourceLabel":"Current deposit agreement, Boost terms and linked official support articles"}],"verificationEvents":[{"id":"7b713752-f315-4218-b587-23336cfeabfe","entityType":"bank-account","slug":"current-account","checkedAt":"2026-10-23T11:01:15.587Z","recordedAt":"2026-10-23T11:01:15.602Z","sourceUrl":"https://current.com/docs/choice_account_agreement/","sourceLabel":"Current agreement, Boost terms and official support","outcome":"changed","summary":"Scoped review separates teen and adult eligibility, corrects ATM charges and recognizes optional Current Max subscription; full-record date retained.","changedFields":["apy","monthlyFee","features","atm","pros","cons","ourTake","termHistory"],"previousHash":"624aa3dc189758e9d202106f7837fb9dd48221c82a6d95d711d3eeca36182750","recordHash":"2e39e212a4904332748308f22e2b18e94192b4bf13ff4b9a664ba148d30c6107"},{"id":"5d2fd485-8cc7-4c28-ace2-d94b5a7bc715","entityType":"bank-account","slug":"current-account","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:19.254Z","sourceUrl":"https://current.com/","sourceLabel":"Current product page","outcome":"changed","summary":"4.00% pod boost now needs $200+ payroll deposit every 35 days (0.25% otherwise); advance raised to $1,000; $3.50 cash-deposit fee","changedFields":["tagline","apy","monthlyFee","features","pros","cons","ourTake"],"facts":{"podApy":"4.00% on $2,000/pod, $6,000 total","fallback":"0.25%","advanceMax":1000,"atms":"40,000+"},"previousHash":"59525dfc6828cfd46624e089cea9be19a3c335b1a2ec9cb42b296c60f4e066ce","recordHash":"44d07e8f1805173beac63f9d67d227719e9abb28a9803fe12de5f4a43f94248c"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}