Current Review

A fee-free mobile spending account with 40,000 ATMs and early pay, from a fintech rather than a bank. Independent Current review: 3.4/5 for checking.

About Current

A fee-free mobile spending account with 40,000 ATMs and early pay, from a fintech rather than a bank. Current is offered by Current (banking services by Choice Financial Group, Member FDIC) and currently holds an average rating of 3.4 out of 5 across 340 user reviews. It falls into the Checking category and tends to be the strongest fit for app-first spending with wide fee-free atm access.

Editorial grade: C+ (composite score 62/100).

Highlights

40,000 fee-free ATMs and no minimum balance
Direct deposit up to two days early
Current Build, a secured card that reports to the credit bureaus

What we like

No minimum balance and no monthly fee
Large fee-free ATM network for an app-first account
Deposits are FDIC insured through Choice Financial Group

Where it falls short

Current is a financial technology company, not a bank
Holds a D rating with the Better Business Bureau
No interest on the spending balance

Fees, minimums, and rates

Monthly fee: $0 monthly. Minimum to open: $0. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.

How we reviewed it

Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). We open and fund every account to verify rates, check transfer speeds, and test the mobile app on both iOS and Android. For this review of Current, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Checking shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.

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Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.