Current Review
Mobile banking with paycheck advances and high-APY Savings Pods. Independent Current review: 4.2/5 for neobanks.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.
Our verdict
The 4.00% APY at Current is narrow: it applies only to Savings Pods, up to 3 of them at $2,000 each. Around that sits an account with no monthly, overdraft or minimum balance fees and a Paycheck Advance of up to $750, though advance limits start at $25 and grow with use. Keep larger savings somewhere else.
Skip it if you want CDs, loans or investing beyond crypto, or often use out-of-network ATMs.
About Current
Mobile banking with paycheck advances and high-APY Savings Pods. Current is offered by Current (banking by Choice Financial Group, Member FDIC). Our editorial rating is 4.2 out of 5.
Best for: Mobile-first banking with paycheck advances and teen accounts.
Editorial grade: A- (composite score 84/100).
Highlights
- Up to $750 Paycheck Advance with $0 interest, $0 mandatory fees, and no credit check
- Up to 4.00% APY on Bonus Savings Pods (up to 3 Pods, $2,000 each)
- Teen Banking with parental controls for ages 13 to 17, including chores, allowance, and spending insights
- Crypto trading on 40+ coins directly inside the app
What we like
- No monthly, overdraft, minimum balance, or in-network ATM fees
- Get paid up to 2 days early with direct deposit
- 40,000+ fee-free Allpoint ATMs nationwide
- Instant peer-to-peer transfers between Current users
Where it falls short
- Not a bank itself, so banking services are provided by Choice Financial Group, Member FDIC
- Limited product lineup (no CDs, loans, mortgages, or investing accounts beyond crypto)
- Out-of-network ATM fees apply (no reimbursement)
Fees, minimums, and rates
Monthly fee: $0/month. Minimum to open: $0. Current APY: 4.00% (Pods). Rates and fees last checked on September 7, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Current (banking by Choice Financial Group, Member FDIC). It is built from Current (banking by Choice Financial Group, Member FDIC)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Neobanks shortlist. Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). The rubric is the same for every brand.
Not a bank. Deposits are held at
- Choice Financial Group, FDIC certificate 9423: capital, loan quality, every office and the complaint record.
Similar products to compare
Read our full editorial methodology for how we review products.