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Current mobile banking app review

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Katy Ward
Katy Ward
Apr. 17, 20224 min read

Current summary

New York-based Current is a financial services company offering a mobile banking app and a Visa debit card. Adult customers can choose a free Basic account or fee-paying Premium account, while Current also offers a specialized product for teenagers and their families. You can sign up in as little as 2 minutes, and your funds will be insured for up to $250,000 under the federally backed FDIC scheme.

Pros

  • Ability to get your paycheck early
  • No overdraft or hidden fees
  • No minimum balance requirement

Cons

  • Checkbooks and paper checks not available
  • No physical branches
Currentat a glance
4.0

Editorial score

Fees?

Most products are fee free

4.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication

5.0

Customer service

24/7 service with multiple communication options, dedicated fraud team

5.0

Online experience

No online banking

1.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

5.0

Current Current Visit Current

Advantages Over Traditional Banks

With a focus on digital financial management, Current offers a number of real-time features that would not be available with brick-and-mortar banks. Through Current’s excellent mobile app, you can sign up for an account in less than 2 minutes, instantly send and receive money to other Current members, and make contactless payments via Apple Pay or Google Pay.


Cutting-Edge Banking Services 

Current is a financial tech company and not a bank, with a focus on flexibility and innovation. If you open an account with Current, you can:

  • Add checks to your account through your phone’s camera 
  • Add cash to your account at more than 60,000 stores nationwide
  • Save money by automatically rounding your purchases up to the nearest dollar and setting the difference aside 
  • No limit on direct deposits (Premium accounts only)

 If you opt for a Teen account, your child will receive their own debit card, while the app’s parental control features enable you to monitor your teenager’s finances through:

  • Instant spending notifications
  • Merchant-blocking functions
  • Spending limits
  • Automated allowance payments
  • Instant transfers to your child’s account

Traditional Banking Services 

Although Current is a banking app, rather than a bank, it does provide some of the more attractive features associated with conventional banks, including:

  • Access to fee-free withdrawals at more than 40,000 ATMs in the US, thanks to its Allpoint network membership
  • Cashback on purchases at more than 14,000 participating retailers nationwide
  • Overdraft up to $100 without overdraft fees


Current Interest: Any member who signs up for a Current Personal Account can get 4.00% Annual Percentage Yield “APY” on up to a total of $6,000 from Current simply by adding money to their Savings Pods and enabling the Interest feature. Members can seamlessly transfer money between Savings Pods and their spending balance and interest accumulates daily.

If you open an account with Current, you will pay the following fees:

FeeAmount
Monthly maintenance
  • Basic account: fee-free
  • Premium account: $4.99 per month
  • Teen account: $36 per teen per year
Minimum balance$0
Bank transfer$0
ATM
  • Allpoint network: $0
  • Out-of-network: $2.50
  • International: $3
Cash deposit$3.50
International purchases3% of transaction amount

Customer Service and Online Experience

You can contact the company via phone, email, in-app chat, chatbot, or social media. Its support team is available 24/7 via live chat in the app and email.

As you would expect from an app-based solution, Current’s online experience is sleek and intuitive. When we tested the site, we easily found all the information we needed and were also impressed by the prompt and polite response we received from its customer service team when we posed as a potential customer.

T: (888) 851-1172

E: support@current.com

Mobile App 

Should you open an account with Current, you can download the app via Google Play or the App Store. The app allows you to:

  • receive real-time notifications 
  • find fee-free ATMs in its network
  • find retailers participating in reward schemes

Watch this video to learn more about Current’s app and the services it offers.

Security

If you’re concerned about cybersecurity, Current offers a number of features designed to keep your money (and your data) safe, which include:

  • EMV chips to prevent card skimming
  • The ability to pause/resume transactions
  • Secure connections for transferring funds
  • Fingerprint/face ID lock
  • A dedicated fraud team
  • FDIC insurance on funds of up to $250,000 through its issuing bank, Choice Financial Group

Summary

If you're comfortable managing your finances via an app, Current's suite of features can enable you to budget more effectively and even save money. The teenage banking feature also gives you the freedom to manage almost every aspect of your family’s finances through a single solution. Current's live chat staff are available 24/7 through the app and provide a fast, efficient service.

Methodology

This review was compiled using information from the Current website and its social media profile.

Current Current Visit Current

Katy Ward
Written byKaty Ward

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Current
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Excellent
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5%
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22%
  • author
    Bradley D
    Sep 24, 2022
    Current is awesome

    Current is awesome. I never have money on hold like chime or PayPal. And it's a life saver when I forget my current card at home. I can transfer to my cashapp instantly and free. Since I gave you guys a great and honest review, hook me up with ,$5 or 10 :).(kidding) but I won't stop you

    ...

  • author
    customer
    Jan 01, 1970
    Nearly Perfect

    Excellent service, but I wish they would remove ads from the app.

    ...

  • author
    Kel
    Jan 01, 1970
    0 stars This “bank” stole 5,000$ from…

    0 stars This “bank” stole 5,000$ from me and also made my account negative over 2,200$. They took money out of my account for items I ordered back in august & July saying they “refunded” me. I never requested a refund for a single transaction. & their customer service team is pure trash they have no idea how to solve the simplest of problems. They’re trying to say these merchants took the money off of my card but it was at 2:39 am-2:40 am while I was asleep & my card was paused in the app I contacted the merchants and they gave me the exact dates I paid them which line up with my receipts. This bank is a straight scam I will be contacting a lawyer & seeing what I can do.

    ...

  • author
    Jessica
    Sep 23, 2022
    Great Idea, Horrible Customer Service and Problem Solving

    Their app and website designs are flawless. Their savings pods and interest percentage are amazing. Their customer service… is a different story. I have had a long on-going issue with trying to get my bank numbers sorted out. Needless to say, it’s been months and it still hasn’t been resolved. You have to email them more than once to even get a response and then you’re given a generic answer of how someone is “looking into it” and it never happens. Don’t get me wrong, I know bombarding a company with emails isn’t right. It backs up their queue and is just annoying. The problem is, they don’t answer the first time and after weeks, it’s time to send another email. I’m not a Karen in the least, but seriously, their customer service could use major work. Current, if you say you’re going to give a customer new account numbers, do it. Don’t close tickets without saying anything and acting like your customers are too dumb to notice.

    ...

  • author
    Tyche Duverna
    Sep 23, 2022
    You stole my money and giving such a…

    You stole my money and giving such a hard time a dispute was made holding certain funds for MetroPCS i went into metro and paid my bill until the dispute was completed once it was the merchant automatically recieved it but they sent it back i have my reciept to current and they still haven't released my$200. Soon as i can I'm closing this account

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  • author
    customer
    Sep 22, 2022
    Best Bank I've ever used.

    Best Bank I've ever used.

    ...

  • author
    Mack
    Sep 22, 2022
    Best bank i had in years.

    Best bank i had in years.

    ...

  • author
    customer
    Sep 22, 2022
    Not Hawaii friendly

    I really like this card because of the app and early paycheck, but there’s not many rewards that can be collected in Hawaii.

    ...

  • author
    Timothy Jennings
    Sep 22, 2022
    If I could give Current negative stars I would

    If I could give Current negative stars I would. Mostly my problem is with their Mobile Check Deposit feature. I Deposited my payroll check on the 16th of this month. My next payday will be on the 23rd, which is also the date that Current support says that my money will be available. I've delt with a lot of online banking institutions and I have always been given an option to receive my money instantly, usually for a fee of $5, but Current does not have this option. For those of you, Current Costumers, who have been looking for a way to contact a live person from Current to speak to I finally figured it out. You have to call Choice Banks customer service line and ask to be transferred to a Current representative. I am currently waiting on a call back from a supervisor. Your welcome 😁

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  • author
    Nitaboo
    Sep 22, 2022
    I love how easy to use the card and…

    I love how easy to use the card and when you can but ur money in ur saving account as weel

    ...

  • author
    Shalana Payne
    Sep 21, 2022
    I do not like the fact you can not talk…

    I do not like the fact you can not talk to a person when your having a issue everything is threw email or chat through app what if ppl cannot get in app like me this is the second time I’ve waited weeks to get a simple issue resolved which I’m still waiting on I’ve asked for supervisor or a phone call no response

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  • author
    Tim Miller
    Sep 21, 2022
    Look I don't normally write revi…

    Look I don't normally get involved with reviews until I've thoroughly engaged with the product or service and even then I gotta either really love it or down right despise it. This is a cars of the former. Current is hands down the best financial institution/Bank I have ever been a part of and frankly there is nobody else even close. The only downside is no brink and morter banking. I could go on about how awesome Current is for a couple hours but I won't. I'll just say I've recommended them to friends and family and I know at least three people have made the switch. Join current you'll thank yourself later.

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  • author
    Octavia Bowden
    Sep 21, 2022
    Great service

    Great service

    ...

  • author
    Jeanne
    Sep 20, 2022
    They have always been fast and easy to…

    They have always been fast and easy to deal with. If I ever have a problem it's always fixed by the time the call is ended. Would highly recommend.

    ...

  • author
    Ross Hunter
    Sep 20, 2022
    im trying to increase my overdrive…

    im trying to increase my overdrive limit to where it was before my payroll department accedentlly cancelled my direct deposit.which caused my limit to be cancelled and being forced to start over.I ve gotton nothing but the runaround,5 times I asked to be transferred to a suppervior,and gotton nothing but excuesses,I l ll I want is to have my 100 doller limit restored,you should be able to look at the history.

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  • author
    Martha Hill
    Sep 19, 2022
    My son has his paycheck direct…

    My son has his paycheck direct deposited onto this card. Friday all of his money was stolen off his card in $50 increments. All he can do is chat online and the issue has not been resolved.

    ...

  • author
    Chris Lee
    Sep 16, 2022
    I would stay clear of this banking institution

    For those who are interested, I recommend you stay clear of this bank. Here are just the quick highlights of problems you "will" have. 1. Deposits - They say it takes 3-5 business days to deposit. Ours always took 7-10 days. (They say weekends don't count) -- This is quite the deal breaker. Normal banks don't take this long period. 2. Don't expect to find support easy. You cannot login on the website to receive support, you must go through a chat in your app. Know how hard it is to have a mobile conversation in chat?... 3. THEY CHARGE YOU FEE's just to have the account. Ok, so what do you get for paying these monthly fees? Nothing. I would absolutely love it if it meant we get faster deposits, a phone # to call someone, or maybe just 2-3 normal days for deposits. Lasting Impression: This bank has no ambition to help you, and while I was told Instant deposits are coming soon, it's been over a year. Save your self some trouble and get a regular reputable bank who has already overcome these minor modern day challenges. I attempted to contact support to discuss this, but they'd rather try convincing you that this is normal, and act as if all banks act this way.

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  • author
    Desmond Howard
    Sep 16, 2022
    A Very Welcome Surprise

    I can honestly say that I've been more than adequately happy and satisfied with the Current Team's exemplary support staff since the first time I contacted them about getting further detail surrounding their Savings Pods feature. Much more recently, they've been instrumental in assisting me settle a dispute I had opened mid June on the 14th. Amazing customer interaction, they treat your problem as if it's their own, they respond in a timely manner; consistent updates whenever they come across a wrinkle within your account or if they require an additional amount of time to better examine your case in order to solve it the best way possible only for your benefit. They show true compassion and consideration for how you may feel and how, whatever the discrepancy , affects you. Most importantly, nothing but pure dedication to you and your needs. Current Support is elite compared to most!

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  • author
    Eugene Wilson
    Sep 16, 2022
    Just stay away

    Just stay away. They woke up one day and decided to close my account with no reason attached to it, besides customer service stinks. There are way better cards out there, just pass this one up.

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  • author
    JASON
    Sep 16, 2022
    I'd I could give a half a star I would

    I'd I could give a half a star I would. It takes 2 days to clear a Mobile check deposit.. then it says 3 to 5 days to be deposited in bank. And here I am sitting on the seventh day with no money!! I'm changing to bnine!! They give you up to 100% your check as an advance when you want.

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  • author
    Ayelet Weinerman
    Sep 16, 2022
    Don't waste your time

    On the "paper" they sound amazing, but trying to fund the account I opened for my son turned out to be an MISSION IMPOSSIBLE! Reps are only avail via chat, I spoke to 4 (huge time sucker) and none could help, yet they were providing conflicting info. Bottom line: 1. If you bank with City National Bank or any others that do not support Plaid you will NOT be able to transfer money. 2. You CANNOT add a debit card, the button exists but after that failed too I learnt from a rep that it is no longer an option. 3. I have tried to deposit several checks (each time I was given different instructions) but all were rejected and not by my bank, so I was offered to deposit cash and locate a place where one can do that. I WISH I SAW SUCH A REVIEW ... it would save me a lot of time and frustration.

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  • author
    Colleen Erin Winkley
    Sep 16, 2022
    Terrible

    Terrible. How can they say 3-5 business days for mobile check deposit clearing when I am sitting here 10 days later with out funds. Check is from a big company and chase bank. Payroll written to me. When i deposited on the 8th at 3:30 it cleared on the 9 and they emailed saying funds would be made available 15th. Here i am on 16th no funds and they have no answers and "humbly ask me for more patience for another day or so to clear check". Is this even legal. I bounced to credit card payments because I expected money to be there as they gave me their word it would be. Are they paying bounced fees? Can I sue? I have screen shots of everything.

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  • author
    phillip Steward
    Sep 15, 2022
    Having a good day

    Getting my money early is always great

    ...

  • author
    Steve
    Sep 12, 2022
    Highly don't recommend this card

    I got this card for my 12-year-old granddaughter who lives in another state so I could send her an allowance once a week. This is the worst card I have seen it has been hacked at least twice with false charges. Customer service is horrible as you have to do a chat you can't speak to somebody live. The deal-breaker for me now is I just received a replacement card because of the hacking in charges on the account but I can't activate it and I get no help on trying to activate it they keep telling me the same thing to activate on the app and I keep telling them the same thing that I can't extremely poor service I highly don't recommend this card.

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  • author
    Mykayla Baker
    Sep 08, 2022
    The worst bank in the world

    The worst bank in the world. They say they are an ACH but that is not true. What normally takes a couple of days they can not even do in a week. Customer service is deplorable as they only have an online chat that if your lucky someone will be on the right page with you. And when you point them out that they are wrong by another person you talked to on there app they get mad.

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  • author
    customerI don’t have any any p
    Sep 08, 2022
    i Because I can use it whenever I go

    I can use my debit card whatever go in my spirit is fantastic I don’t have any any problem to pay by in many more

    ...

  • author
    customer
    Sep 07, 2022
    Great company

    Great company. I love the over draft. And also I get paid 2 days early. Current doesn’t work with a lot of company’s yet like plaid. But hopefully in the future it will 😁🤗

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  • author
    Willie Bell
    Sep 07, 2022
    Current has been really good online…

    Current has been really good online bank to use

    ...

  • author
    Diamond
    Sep 07, 2022
    I love the banking and the customer…

    I love the banking and the customer service online just wish you could call in sometimes, very quick at responding through email and chat .

    ...

  • author
    Cliff
    Sep 04, 2022
    So far so good ,I like all options you…

    So far so good ,I like all options you have, keep up the good workm

    ...

  • author
    Randy
    Sep 04, 2022
    Really enjoy getting paid earlier than…

    Really enjoy getting paid earlier than with the bank.

    ...

  • author
    relax yourmind
    Sep 03, 2022
    WORSE BANK EVER!!

    DO NOT GET Current. This is a HORRIBLE HORRIBLE Bank. Do not trust them with your money. I never received my current bank card although I ordered it twice and due to that I deposited a check into my husband's account and sent in my id and a picture of myself to verify that I am his wife, and the transaction is not fraud. However, they closed his account then lied and said they're still investigating even though they had already sent him an email saying they are closing his account and to not contact them. We keep asking them when will the money be sent back and they said they don't know and then stopped replying to him. This bank is so unprofessional and whoever works for fraud is a Liar who gives you the run around over and over. At this point I am wondering if they are trying to steal his remaining funds. I have been left with no answers. I have no idea when the money will be sent back or if it ever will. I keep emailing them over and over and I am still not being helped. They closed the account 2 days ago with the money still inside and won't tell us anything about the money. PS: Its completely legal to deposit your check into someone else's account. I've done it with different banks in the past, but current is the only bank who tried to start an issue over it and deny access to the money. Do yourself a favor and go elsewhere! I am still trying to get them to send my check back to my employer so that I can receive my funds. CURRENT IS THE WORSE BANK I HAVE EVER HAD!!!!!

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  • author
    Tionna Waller
    Sep 02, 2022
    Scammers

    They logged me out of my account and I cannot get back in. And I had over $2000 on my account. There’s is no way to talk to a human & they don’t respond to email’s. Tried reaching out to them on instagram as well. No response

    ...

  • author
    customer
    Sep 02, 2022
    I was never able to export the Direct…

    I was never able to export the Direct Deposit pdf. I could never print it out or turn it in to my employer.

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  • author
    Seth
    Aug 31, 2022
    This bank's contact style is horrid.

    This bank's contact style is horrid. Not to mention the way they alert you to issues with your account after hours, so you're out of luck for a business day (good luck if it's Friday and you need help). I recently deposited a check, and was promised 3-5 business days. There was an issue with the way I endorsed said check (I tried to deposit it around 1PM or so) and I wasn't alerted until 4:06PM, conveniently 6 minutes past their "we handle things til this time" time. I contacted support, who told me to do it again, and that by YESTERDAY, I'd have my money. Yesterday comes, no money. I'm promised an email, and I get one from a "supervisor" who doesn't address my issues in the slightest. I contact support again today after FINALLY getting a "promise it will be available in the 31st". It's the 31st, no money. Now, the goalpost has been moved to tomorrow. I'm asking for a supervisor again, and they want the supervisor to email me... I'm not waiting until 8pm for some dude to email me from Indonesia. I want my money. (Edit) I've been informed "Within the day" nobody can give concrete information with this company. Not now, not back when I had a fraud situation (that they just flat out didn't handle).

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  • author
    Jaz
    Aug 31, 2022
    Best debit card I’ve ever used!!!

    Never had a problem with current!!! And I always get paid 1-3 days earlier.

    ...

  • author
    Richard
    Aug 31, 2022
    CURRENT always there???

    I Love ❤️ CURRENT freedom in banking. I've been with Current for more than two years. I have a premium checking account with all my banking needs at my hands. ⭐⭐⭐⭐⭐ Security and the best customer service, fast friendly and when it comes to me and my money I am always #1. Thanks for your service and friendship in banking.

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  • author
    Krystal LeAnn
    Aug 30, 2022
    $CURRENT BANK FRAUD!!

    May 25th 2022 my tax refund check deposited into a closed account with Current Bank and they took . 97 cents I had to contact them about my money and they said on July 18th they they were processing the check to me nailed August 11th I got a email saying that the check had been mailed August 4th and here it is August 30th and nothing. I call but The Fraud department isn't responding. $6200 is no change and I want my money.

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  • author
    Stephonsila Gordon
    Aug 28, 2022
    On July 7th in the amount of 17,303…

    On July 7th in the amount of 17,303 they closed my account on June 29th they said they sent the check to me on 14th of July again on August 4th still no check it's going on the 50th day I am being evicted behind this

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  • author
    Larry Watson
    Aug 27, 2022
    CURRENT IS A TOTAL SCAM!!

    DO NOT HAVE ANYTHING TO DO WITH CURRENT!! I deposited 10000 into two accounts and once they received the money they closed my account due to suspicious activity. Upon researching Current, I have found that they do this on a regular basis for no good reason. We all need to pursue legal action against Current for their questionable practices.

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  • author
    Golden Squad
    Aug 26, 2022
    SCAM at its finest!

    SCAM at its finest! This people have my tax return since July 7,2022. Account closed after my direct deposit was put on. Reached out to them numerous of times. Was told the check was mailed out on 7/14/2022 and that it would take 21 days. Nothing! Called again they said it would be mailed out 8/4/2022 and that it would take another 21 days. 8/25 was the 21st day and yet nothing has arrived in the mail. You guys want people to forget about they money. I could never forget about my thousands of dollars. Why wasn’t my check sent back to the IRS so I could be issued a check by them? I feel Choice Bank should be responsible as well considering this is your sister company. I am I high reviewed, reviewer and I expect my money! Also have tagged Choice Bank on my social media with more than 5000 followers. Also contacted the BBB and your state Attorney General. The FBI needs to investigate this matter. My name is Stephonsila Gordon.

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  • author
    Rooster
    Aug 25, 2022
    SAVE YOUR MONEY DONT GET AN ACCOUNT

    Complete junk because today was the SECOND TIME I have gone to pull money and nothing was dispensed but it was takin out of my account and the atm withdrawal limit of 400? It’s my money n this is now 800 dollars I have busted my ass for that that has happened to I got current because Mr.beast would send u a dollar psh I said y not it’s a dollar but now there is 800 I can’t do anything about or they can’t 🙄🙄 save your money don’t bank with current

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  • author
    RedRobyn
    Aug 24, 2022
    I've enjoyed my Current account

    I've enjoyed my Current account

    ...

  • author
    Ruby Ann F Martinez
    Aug 24, 2022
    Opening an account was easy and stress free and they offer additional perks to help you along the way!

    Opening an account with Current was fast and easy!! They didn’t even need a deposit to set it up! No credit or Telecheck checked. They offer “free” overdraft (they call it overdrive) protection up tp $200! The only downside is that there is no “person to person” conversations but they immediately answer my chats and emails! My direct deposit was credited to my account earlier than expected. The whole process of opening and keeping up w your account is easy and stress free! I highly recommend them especially for those of us who need a second, third or even fourth chance!

    ...

  • author
    Alexandria Turner
    Aug 24, 2022
    This bank is horrible: They give SCAM Vibes

    This bank is horrible. They were great until I actually had an instance of clear cut fraud, and was hacked and needed them. They denied my dispute, in the face of undeniable evidence, and refused to refund my money. The charges were made in a different city and state than me, and the hackers changed my account and login information, so that I could not access my account. Current had to let me back in the account and change all of the information back to my own. So that alone should've let them know that it wasn't me. The email address and physical address were those that the hacker used, and they had all of this information. They could see that the charges were made IN PERSON, at Target in Davies, FL..... I live in St. Louis, MO and have never been to Davies, FL and have certainly never used my card there. Not to mention, it is an EXTREME hassle to even get in touch with support and/or talk to an actual human and not an automated damn robot. They treated me like I was the hacker. It's bad enough being violated and getting hacked and having my account cleared, but the fact that the bank that I've been with for three years.... wouldn't help. That just added salt to a bloody wound. I have also read on other forums that disputes with Current almost NEVER end in favor of the customer. Which is sad. I have read so many stories like mine, and it begs a bigger question..... Why hasn't the BBB or Consumer Finance Protection Bureau stepped in and looked into their banking practices. Edit: So not even two hours after I wrote this review, the Dispute Team/Appeals Team contacted me via email, without any kind of prompting from me, to let me know that I was going to be refunded all the money that was drained from my account. The money was put back not even an hour later, which I SWIFTLY pulled from the account at the ATM because there was an extremely high chance that the hackers would've siphoned that because they just tried to add my new debit to Google Pay again after the money from the dispute was deposited. They still have access to my account. Current is well aware of this, so I'm not sure why in the hell they would think it would be an excellent idea to put that much money back into a compromised account. If they would've contacted me prior, I would have let them know to mail me a physical check. As I cannot and WILL not EVER use that account again as long as I live. It doesn't feel secure, and I can tell little things have been moved and/or adjusted by someone else. It almost makes me think someone that works for Current is doing this, because I'm having a really hard time believing a random person did this. I'm not the paranoid or conspiracy theory kind of individual........ but something very wrong is going on at the bank. And Choice Financial in general. I would sooner drop dead before I put my money there, No one should have to go through that type of stress and strain from a bank when they have already been something as stressful as being hacked. I appreciate them giving me my money back, but nothing can ever clean the permanent stain of disgust and disdain that I have for them for what they took me through will never go away. I only use my Citi and Chase Accounts now. They have never lead me astray, and actually function like a REAL FDIC Insured Financial Institution.

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  • author
    Jessica Johnson
    Aug 22, 2022
    Poor poor customer service waiting 30…

    Poor poor customer service waiting 30 days for my dispute credit. Even have proof from an employee i should have already received my credit. Stay away choose wisely elsewhere!

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  • author
    customer
    Aug 17, 2022
    Great bank and have had no issues

    Great bank and have had no issues! Thank you current for saving me from financial ruin!

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  • author
    Lisa Mishel
    Aug 15, 2022
    if i could give them a zero star i…

    if i could give them a zero star i would on august second i had my account hack i notice some unauthorized charges one from cnn travel for $498.87 and i mmediately contact support and put in a dispute almost two weeks later i contact again and come to find out current will not refund my money that was stolen and they claim and found that i made the purchuse and iam responable for the charge that i made on those date i told them the hackers change my email and phone number and used my debt card that was the reason my account was not able to access this company are fraud they steal people money awful customer service i saw on the bbb web sight there almost 1000 bad reviews about current and 980 bad complaints about this moble banking i have explain to current customer service i did not make those charges my account was hack the hackers went into my accout and change my email and phone and took advange of my debt card and went and purchuse travel tickit i will be fileing now for fraud and i will blast on my local news about this company warning dont do any business with curent moble bank they steal and hold your hard earn money and they have commit fraud they dont care about the customer and there the loss of there money awful bed side manners please dont do any business with current moble bank i will file a report to the fbi for fraud

    ...

  • author
    Michelle
    Aug 15, 2022
    My account closed fir no reason & im…

    My account closed fir no reason & im waiting on a check to come from current because i had 2400 in my account they said 21days & when i call all they can tell me is its been taken out of my acct already but not if its been sent out, i email no reply

    ...

  • author
    Keith King
    Aug 05, 2022
    I’m a current card holder with current

    I’m a current card holder with current. I have mixed emotions thus far. The card does have its benefits. But why is the dispute process 90 days? Most banks give you a provisional credit while waiting. Also if my card has a 75$ over drawn limit. How was the transaction processed to take my balance pass the negative 75$ Overdraft amount. The benefits is you get paid earlier and you can use a virtual card while waiting for a new card. But customer service is through chat or email which is not to great. I’ve since paid the amount of what I’m disputing but it’s not customer friendly in the process of waiting 3 months. I have a YouTube channel with 73,431 followers and 36,983 Instagram followers. So before I decided to be negative or positive on a live review. I’ll give them a chance to correct the situation to give my followers an honest review. Now they replied saying they can’t find an email associated with the one I left a review at. Which is weird. Because it’s the same email. Hmmm interesting.

    ...

  • author
    Anthony
    Aug 03, 2022
    Great Awesome

    Great Awesome

    ...

  • author
    Markellewis
    Aug 03, 2022
    It's been good so far haven't had any…

    It's been good so far haven't had any problems since I've used current been using it a little over a year now

    ...

  • author
    sharell miller
    Aug 02, 2022
    No help never Recommending this bank

    I had someone steal my card number place a online Purchase with Walmart I contacted Walmart they couldn’t fine any proof of purchase I contacted current bank to inform them of the fraudulent activity no help whatsoever They don’t have phone service you have to message them that’s the only way of getting in contact with anyone what a waste of time I pray that if you’re deciding to bank with them please thank hand They keep asking for documents that I don’t have I was dealing with open heart surgery recovery when the transaction took place in another state they ask for a police report how can I give them something I don’t have

    ...

  • author
    customer
    Jul 31, 2022
    Current is great!

    Current is great! I had someone to steal my card and take money out of my account and the response and refund time was exceptional. I use current for my direct deposits and I love it.. I get it early every month right when I need it. Thank you Current..

    ...

  • author
    Jess Jones
    Jul 29, 2022
    This company is a joke

    This company is a joke! They steal people's money, they tell you it will be returned in 7 to 10 days, shouldn't be this way n it never is returned. I've had them take money out 3x with the card being declined and the money in fact is taking out . They say contact the merchants, I do. It's not the merchants fault it's your banks fault. I'm so sick of this crap. What a joke of a company to steal people's money!

    ...

  • author
    samara honeycutt
    Jul 27, 2022
    I can't log back into my account to see…

    I can't log back into my account to see how much money I have

    ...

  • author
    Jerrica Bowles
    Jul 27, 2022
    They are very helpful

    They are very helpful

    ...

  • author
    AJ AJ
    Jul 27, 2022
    Current bank

    Awesome banking service

    ...

  • author
    Dashunna hargis
    Jul 27, 2022
    I love baking with you guys

    I love baking with you guys

    ...

  • author
    Nate
    Jul 25, 2022
    This company is a complete scam

    This company is a complete scam. They closed my wife's account for no reason and have done nothing to return the $2,000 in the account. Run away from this company as fast as possible. And again, let's see the stupid generic response. You are really messing with too many people for this not to have serious legal consequences.

    ...

  • author
    Rick Flannery
    Jul 23, 2022
    Unresolved dispute past 90 days of Resolution Period

    On April 20th, 2022, I filed a dispute for a fraudulent charge to my card totaling $224.99 The dispute is still in review past the 90 days as of July 19th, 2022 when there was supposed to be an expected resolution. After several times of going through chat, and getting the same run around as to when their "Dispute Team "will reach a conclusion. This is unacceptable to hold my money after disputing a fraudulent charge. After submitting visual evidence I still have yet to receive a response from these people. I will be informing the state attorney regarding this matter and have already filed a complaint. DO NOT USE CURRENT THEY HAVE THE WORSE CUSTOMER SERVICE.

    ...

  • author
    Helena Schilling
    Jul 22, 2022
    App suck

    App suck, customer service closes at 6pm. The chat don’t help they been holding a hold on my card since July 6th and it was released on July 8th. They saying they still haven’t received it back. No manager available they won’t call the merchant. Chime is better

    ...

  • author
    customer
    Jul 21, 2022
    Good soup my dudes rather Poggers if I…

    Good soup my dudes rather Poggers if I do say so myself

    ...

  • author
    Meghan Hart
    Jul 20, 2022
    Banking for the Dystopian Future

    Current brands themselves as "The Future of Banking", which I can only assume means their vision of the future is a dystopian one. Because they treat their customers like sheep who are on a "need to know basis" and don't need to know. They set arbitrary policies in this totalitarian regime, for which there is ZERO explanation. The customer service rep I chatted with literally did not know the reason behind the policy, nor was she able to ascertain one when speaking with "the back office". The policy I'm referring to is one you cannot find ANY documentation for whatsoever so please BEWARE when signing up. You will not be able to deposit a check of more than $2000. You could deposit 1 check for $2000 and another for $1500 to bypass this, but you couldn't just deposit one for $3500. Completely arbitrary, completely unmentioned, and with no explanation at all.

    ...

  • author
    Kennan
    Jul 20, 2022
    It is good to have

    It is good to have

    ...

  • author
    TiredOfWastingTime
    Jul 19, 2022
    Genuinely bad business

    Genuinely bad business. I spent an hour setting up accounts and app for me and my son only to find that there is no way to add money to the card. Current offers 2 options: bank account and debit card. I have tried to use both - trying to add bank account gave me "descriptive" error "unable to link your bank account". Support person told me that it is because I have a joint account with my spouse and even though I am a primary account holder, I cannot use to fund Current card because "all the names have to match". So you can fund Current only if you are the only person on the account. Ok, then I tried to use debit card. Current app gave me an error message again - contacted the support again. Their answer was "you cannot use debit cards anymore, only bank accounts". If I cannot use debit cards, why was that option still present in the app. Sloppy business, sloppy management, sloppy support. I asked them to remove my info from their servers and they said that due to the financial regulations they will have to keep it for 5 years. Do not trust them with your money and financial information. If they secure it in the same way they do business, all of their customer are in trouble. *Watch them give a generic response to this review.*

    ...

  • author
    K Molyneaux
    Jul 14, 2022
    Terrible experience: Unprofessional & Bad Business Practices

    Terrible experience; STAY AWAY FROM IT UNLESS DESPERATE. They float your money for an inappropriate amount of time, long after money has left your bank. Horrible customer service that doesn't bother to read your chat information. You have to repeat yourself repeatedly and they refuse to escalate an issue script readers cant understand or resolve even after asking many times to speak to manager. App won't allow you to delete your bank account information, WRONG BUSINESS PRACTICE. Hard to find a list of all transactions. I'll stop now, they've wasted too much of my time already.

    ...

  • author
    Julie Monte
    Jul 14, 2022
    Their only form of customer service is…

    Their only form of customer service is text/typing, which seemed more like I was texting a bot because of irrelevant unhelpful slow responses. I was drawn to this bank because of the 4% apy savings pods. When I opened the account I entered a promo code where I was suppose to receive $50 after a direct deposit of $200 or more. I fulfilled the requirement, but the $50 from them never deposit. When I inquired about not receiving it she "Chloe" first kept asking about some email I never received, then she said the direct deposit wasn't within the 45 days, which records on their own app showed it was. Then a different typist "Benjo" told me that I didn't qualify for the offer because I didn't opened my account in April. To get this information it took 1.5 hours of typing and it seemed like they were just making things up, copying and pasting verbiage into the chat. Really it's just $50, but the experience felt more like a warning. I was planning on keeping savings with them, but I am afraid to now.

    ...

  • author
    customer
    Jul 14, 2022
    I have two deposits coming in and only…

    I have two deposits coming in and only get offered 25 dollar overdraft and that’s not right

    ...

  • author
    Kareem
    Jul 13, 2022
    Overall great banking app

    Overall great banking app, just wished there was a system similar to zelle so I can send money to other people who doesn’t use Current other than that, Current is amazing! :D

    ...

  • author
    customer
    Jul 13, 2022
    I love using Current it gives me my…

    I love using Current it gives me my paychecks up to two days faster and there’s always someone on support if I ever have a problem.

    ...

  • author
    Sean Dudley
    Jul 28, 2022
    Customer service, what’s that? We already have your money we don’t care…

    This “bank” WILL hold onto any temporary authorization every second they possibly can, no matter when the merchant releases the hold. Even when you provide them with the settlement code from the merchant proving the time and date they released the authorization, Current WILL NOT give you your money back until the business day AFTER the last day they can possibly hold it, so expect to not have access to any funds held on a temporary authorization for the full ten or fifteen business days every single time. They have the absolute WORST customer service I’ve ever experienced, they are rude, condescending, and flat out refuse to resolve or even try to help with your concern and getting to speak to a supervisor is something they make so incredibly difficult you just want to reach through the phone…. I HATE THIS BANK AND EVERY SINGLE PERSON WORKING FOR THEM! If you want to be treated like a human being, bank ANYWHERE ELSE! Edit: I’ve been reaching out to this bank, requesting a supervisor for four days now, and every time they insist that the supervisor can’t do anything they can’t and I don’t need to speak to one, and when I insist, one isn’t available. I’ve spoken to at least three dozen reps all giving the same reply, THEY JUST DO NOT CARE PERIOD.

    ...

  • author
    Ron Hooper
    Jul 14, 2022
    Not looking good or even trustworthy

    I will amend my review, to say, so far so good!

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  • author
    Customer
    Jul 11, 2022
    They are criminals and should be in…

    They are criminals and should be in jail. They steal money from Children. If you close your account, they will not return any money you have left in the account - and I am talking hundreds of dollars not pennies. They keep the money to support their lives of living in their parent basement smoking pot, DO NOT DO BUSINESS!! Typical lazy millennials. I am sure their parents are so proud of their little criminals.

    ...

  • author
    Elyse Jurman
    Jul 10, 2022
    This company is a scam

    This company is a scam. My daughter opened an account. Deposited $100. She then decided to close account a few weeks later and now they em refuse to return her money. The steal money from children. They should be in jail.

    ...

  • author
    Tazmen
    Jul 09, 2022
    Easy to use and no hidden fees!

    Easy to use and no hidden fees!

    ...

  • author
    customer
    Jul 07, 2022
    It helps with all my banking needs and…

    It helps with all my banking needs and I love the fact that I can see what I did spend and what just ups and goes missing. Best bank ever.

    ...

  • author
    Regina S.
    Jul 06, 2022
    I am done with current - highly reliable. Glitches

    I am done with current. Intermittently there is some major problem and the customer service recourse is worse than useless. For instance, with the latest issue, I spent two hours interacting with two people to try to troubleshoot and resolve why I could no longer instantly deposit funds into my teen's account. Multiple different irrelevant chunks of verbiage were cut and paste and dumped into the chat, many having no relevance to the issue which I explained ad nauseum. Cancelled or failed deposits being the most amusing reach, I have had neither. It just stopped. Upshot, unresolved and as soon as the multiple "instant" deposit attempts they urged me to try land in 5-7 business days, I'm withdrawing all our funds, cancelling both kids' accounts and finding a real option. I can't take the risk anymore of having my kids stranded somewhere without funds when I'm not with them. Highly unreliable.

    ...

  • author
    O.C
    Jul 06, 2022
    My experience with Current has been…

    My experience with Current has been horrible. At this point I’m starting to think someone internally is taking my funds. They have no phone customer service and anytime a claim is filed it’s denied even with proof. I would not recommend and as soon as I have access to transfer my funds I will be closing my account.

    ...

  • author
    customer
    Jul 06, 2022
    Love customer service and early direct…

    Love customer service and early direct deposits

    ...

  • author
    Rodger
    Jul 06, 2022
    Current has been amazing at helping me…

    Current has been amazing at helping me keep things on track financially.

    ...

  • author
    Ross Hunter
    Jul 05, 2022
    My employer açcidenly cut off my direct…

    My employer açcidenly cut off my direct deposit,and it took 2 paydays to reinstate my direct deposit,This company cut off my overdraft pertection,and telling me I have to start over,I had a 100 doller limit and know it's at 25.00 dollors.I sent a email explaining the situation,and they refused to reinstate my 100 dollar limit.What a bunch of cold hearted people.

    ...

  • author
    customer
    Jul 04, 2022
    I absolutely love this app getting my…

    I absolutely love this app getting my check faster is always a plus. I wouldn't be with any other company.

    ...

  • author
    David
    Jul 03, 2022
    Great App

    Great Appication

    ...

  • author
    customer
    Jul 03, 2022
    Love this bank !!!😁

    Love this bank !!!😁

    ...

  • author
    Tommy Gardner
    Jul 03, 2022
    Current is the best

    I receive my ssi check payments every month on my current bank card and I absolutely love this company I was going through NetSpend and what a joke switched to current and yeah I was skeptical at first almost one year later still with current the customer service is great at solving any issues they don't get all rude like other companies and I trust current 100% no problems here thank God for current and the best part you can receive your check up to four days early I'm not a rep or nothing like that just a happy customer oh and don't forget to tell your friends your family whoever and they give you and your family and friends 50 bucks each switch today you'll be glad you did

    ...

  • author
    Kyle Boyer
    Jul 02, 2022
    Current is a joke

    Current is a joke. If you do a mobile deposit they say 3-5 days for it to clear. What they don’t tell you is they look at it when they get around to it which is usually a day or two. Then if it’s good to them that usually takes another day. Then it will take every bit of 5-6 days after that. Your best best is to bank with chime if you want online bank but your best bet is to find a local bank. Local is always better. Stay away from current they are a joke.

    ...

  • author
    Rina Suah
    Jul 02, 2022
    It's a great bank and it has great…

    It's a great bank and it has great security

    ...

  • author
    customer
    Jul 02, 2022
    Great APY

    Great APY and early direct deposit, only reason it’s not 5 Stars is because some banks don’t support Current for Autopay

    ...

  • author
    Chelssey Jeffries
    Jun 30, 2022
    Current is great it lets you overdraft…

    Current is great it lets you overdraft and you get paid 3 days faster.

    ...

  • author
    customer
    Jun 30, 2022
    I love current

    I love current

    ...

  • author
    deborah
    Jun 30, 2022
    There are he worst prepaid card company…

    There are he worst prepaid card company ever.. do not use current it is just going to end up getting on your last nerves..first of all there limits are low like they are dealing with children.. if you deposit a check they will upset you off by making up the rules as they go along an delay your funds .. your better of using greendot card from Walmart they don't do the most to upset you of they open

    ...

  • author
    customer
    Jun 29, 2022
    Y’all gotta work in ur withdrawals 500…

    Y’all gotta work in ur withdrawals 500 a week y’all must think y’all playing with kids 🙄

    ...

  • author
    Rashad amari Wilson
    Jun 29, 2022
    Sense it’s is so hard to locate the…

    Sense it’s is so hard to locate the account the email address is rashadamari@icloud again y’all acting like y’all don’t see me emailing y’all everyday

    ...

  • author
    Taurean Byrd
    Jun 24, 2022
    DON’T USE THIS BANK!

    When I saw the 4% interest on savings account, I should’ve known that was too good to be true. But I opened an account anyway and created 3 savings pods and was about to max out each pod. After depositing $4000 into two pods, I received an email stating that there was suspicious activity and that my account will be deactivated. They did not elaborate further on why they chose to deactivate my account because i did nothing wrong. So, my $4000 was sitting in limbo until that finally mailed me a check close to a month later. I saw that this happened to another reviewer so I’m assuming that they don’t want you putting the max amount into the pods or they will completely deactivate your account. I do not suggest anyone use this bank.

    ...

  • author
    Rashad amari Wilson
    Jun 24, 2022
    Seeing that this is the only way I can…

    Seeing that this is the only way I can get current to reply I’ve reached out with the email address thats associated with my account again have yet to Hear back

    ...

  • author
    Brenda Bland
    Jun 24, 2022
    These people suck

    These people suck. They’re holding a pending charge for $125 dated June 19th and refuse to give me my money back. This money is part of my rent money. Now I’m going to be evicted. They are freaking jerks please do not use this company and this is not the only problem I’ve had with Current they suck they really suck

    ...

  • author
    Jalisa Joseph
    Jun 24, 2022
    I love how quickly and efficient you…

    I love how quickly and efficient you guys are to respond and help

    ...

  • author
    Adrian arreguin
    Jun 23, 2022
    Good

    Good bank àa aaaaa aaaa aa added ddh ye x h

    ...

  • author
    customer
    Jun 23, 2022
    I like this bank

    I like this bank because when I have a problem they know how to help me and I do not have to wait hours to talk or message

    ...

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