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.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 8, 2026.
Our verdict
Current is an app-first spending account for people who want 40,000 fee-free ATMs, no monthly fee and direct deposit up to two days early. It's a financial technology company, not a bank, though deposits are FDIC insured through Choice Financial Group. A D rating with the Better Business Bureau and no interest on the balance hold it down.
Skip it if you want interest on your balance, or would rather keep your money with a bank.
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). Our editorial rating is 3.4 out of 5.
Best 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 fees last checked on September 8, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Current (banking services by Choice Financial Group, Member FDIC). It is built from Current (banking services 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 Checking shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.