Current
Current Account
By Alex Compton · Last verified
Mobile banking with a 4% savings boost and paycheck advances up to $1,000
Insurance: FDIC pass-through insurance via Choice Financial Group and Cross River Bank, Members FDIC
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-10-23 | 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 | $0 regular account fee; optional Current Max subscription has separate in-app pricing and terms | None | Current deposit agreement, Boost terms and linked official support articles →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. |
| 2026-10-12 | 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 | $0; no account fee listed on the product page | None | Current product page →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 |
| 2026-06-11 | 4.00% boost on the first $2,000 in each of 3 Savings Pods ($6,000 total); balance above that earns nothing | $0 (premium tier made free in 2026; no paid plans remain) | None | Archive record · no attached snapshotLegacy snapshot before event-level evidence attachments |
Primary-source verification log
Append-only evidence ledger- changed
Scoped review separates teen and adult eligibility, corrects ATM charges and recognizes optional Current Max subscription; full-record date retained.
Fields: apy, monthlyFee, features, atm, pros, cons, ourTake, termHistory
Current agreement, Boost terms and official support → - changed
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
Fields: tagline, apy, monthlyFee, features, pros, cons, ourTake
Current product page →
Features
- ▸Adult Boost has a $2,000-per-Pod earning cap, $6,000 total; Teen Accounts cannot earn Boost bonuses
- ▸Paycheck Advance up to $1,000 once you qualify by adding your paycheck
- ▸Early direct deposit up to 2 days
- ▸Fee-free overdraft (amount at Current's discretion) with $200+ in direct deposits over 35 days
- ▸Build Card secured charge card reports to all three credit bureaus
- ▸In-store cash deposits at retailers such as CVS and Walgreens, $3.50 per deposit
- ▸Teen banking for ages 13–17 with parent controls; no teen Boost, Build Card or fee-free overdraft
- ▸Optional Current Max subscription adds benefits subject to eligibility; check pricing and terms in-app
Pros
- +No regular monthly fee for the standard account
- +Optional adult credit-building card and separate teen banking
- +Savings Pods organize funds and may earn adult Boost bonuses when eligible
- +Parent transfers, merchant controls and chores for teen accounts
Cons
- −Adult Boost earning caps and payroll conditions limit the headline rate
- −Optional subscriptions and faster advance delivery can add costs
- −Teen Accounts exclude adult Boost, Build Card and fee-free overdraft
- −Out-of-network ATM, inactivity and account-closure fees can apply
Our Take
Current combines everyday banking, adult credit-building features and separate Teen Banking. Match the product to the person using it: the adult Boost bonus and Build Card are not teen benefits. Standard account access has no regular monthly fee, but Current Max is an optional subscription, and transaction, inactivity or closure fees can apply. Review eligibility, current app pricing and the bank agreement before choosing optional services.
Best for: Younger users who want advances, credit building, and a starter savings rate in one app
Open at Current →Last verified 2026-10-12
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