Current mobile banking app review

I haven’t used it that long but so far I can’t complain..

Hands down best online bank! Can actually block vendors from charging you.

The things I really like about Current after being with them for around 2 years now. I do receive my paycheck every single Wednesday night instead of waiting until Friday like I used to. I have set up a card for my wife and my teenage son, making it a breeze to send and receive money. I am also able to track and see what my son is buying and using his card for. The fee free overdraft is nice if it is ever needed, however they do make it seem like you get a $200.00 overdraft limit and that is not true. You first have to gain trust and have multiple direct deposits before being offered overdraft coverage "understandable". I started with $25.00 and now 2 years later having every single paycheck on a weekly basis direct deposited into this account. I am only allowed to overdraft $75.00 after all of this time and my weekly paychecks are just under 1K, so plenty of money to have that $75.00 increased. They say its reviewed overtime but I don't think anyone really ever reviews that or considers raising your allowable overdraft unless you maybe bring it up yourself to customer service. That is just my opinion anyways, I don't depend on that or have ever needed it. However, it is a nice feature if something last minute or emergency ever came up. The other thing I'm not a huge fan of is depositing money. Finding a place to complete this is a breeze, CVS, Dollar stores, etc. However you can only deposit $500 a day, so if you cash a larger check that's a lot of cash you have to walk around with and slowly deposit into you account since you can only deposit one time a day. Current does not accept Wire Transfers, my jobs payment system was messed up once this year and they had to wire everyone their paychecks. I was not able to receive mine direct deposit/Wire transfer because of this and had to get a check cashed, which took multiple days to deposit into my account at $500.00 a day. Current does offer points for certain vendors and this feature can be used for cash back. I will say when I first started using Current they had vendors like RaceTrac, Shell, & other stores I used and spent money with regularly. I loved racking up point and being able to cash them in. In the first year I was able to collect probably $100.00 in rewards. However, after the first year the vendors they offer now are either stores I have never heard of or wouldn't ever really shop with. This was and is disappointing now, because I did really like that feature at first. Hopefully or maybe at some point those places will be available again to collect points from. But who knows maybe the stores and places they offer points for currently might be perfect for you, they do change periodically. Not every bank is perfect and everyone has pluses and minuses about them. Another thing to consider is that if ever applying for a loan or credit card. A lot of institutions do not give great looks when you don't use a larger trusted bank to receive your paychecks. I have been denied before and the suggestion from the loan company was for me to open a new account with a more reputable bank institution. Not sure if that would have approved my loan, or if what they said was even true but its not the first time ive heard that before. Other than the things I have mentioned, Currents customer service is top notch. Great notifications, the app is super easy to use and all of your info is available at anytime. 4%apy in savings accounts certainly adds up over time. The new credit card they offer that uses the funds only available in your debit account. I use this card as much as possible and have already seen my credit score go up in the last 3-4 months from using it. Current is a very family friendly mobile banking system, I would recommend this to anyone with kids or even as a secondary account for savings or spending money. Even the complaints or things that seem to inconvenience me or didn't work the best for me at those times. I always was able to figure out a solution and they certainly weren't anything that would make me want to stop using Current. Just do some research and if you believe this works for you, then I highly recommend you giving them a try.

They cool 😎 I like it so far

Great experience, easy to use interface

I love how this banking system works

No hassle banking what could be better!

I love my current card. The only thing I would recommend is raising the limits of withdrawals per day especially during tax season.

They are very good to They customers

I love it so much

'm happy with the phone and the deal I got from the company. I wanted a good smartphone that did the basics, and the site recommended one that ticked all the boxes. Speaking with the service team helped me get exactly what I was looking for. The only reason not to give 5 stars is the fact that I had to separately claim for the offered cash back deal, rather than it being automatic, and this info wasn't stated anywhere.

Great app jus thought the overdraft would be a little more than 25 $

I like the credit building feature so far. However I did not receive my sign up bonus.

No complaints

Customer service is 100/100

Had for about two years been awesome

I may be broke but this app and it’s new credit system makes me want build credit when I get my life together.

I had made a commitment to pay something and I was able to keep my word.

Great job guys. Way to go

Could not help me with what I wanted instead just passed it on to another “ dedicated team” that will email me in the next couple days when I’m up a damn creek without a paddle now

you gave me overdraft fee

Great also correct with everything

I’ve been a user for 3 years and its a great app and I’m glad y’all are doing credit now the one thing is bring back points at gas pump! l was getting most of my points that way!

Having my paychecks on time and helping build my credit I am a very happpy customer been with current for 3 years and I love it

Keeping my money safe

Awesome concept, great service. I need to repair my credit as I hope to get a business loan, Current's system is awesome and will help me achieve a long term goal. Thanks for your help current!

The future of banking

Been dealing with now over 10 years if I have any issues they dealt with them very quickly

Love the wide platform and options you get with current

So far so good thank you

I think everything is great I get paid faster and it’s easy to move money around, and the build card has been great for my credit.

I love using current , I never have any problems with my account

The company is very helpful and has good credit opportunities

Easy to use for a build card

It is good debits cras

Extremely convenient and super user friendly

Love current

I have one problem I went to ATM machine and ATM machine took my money and I had made it to spruce

I have proof of what happened with my dispute, and provided it to you. Should have goty money back that day .

I just love how easy and quickly the app is and if I do have a problem I can talk to an actual person. To fix it

I like the credit building card. My credit score has gone up 100 points since signing up only a few months ago and I only use it to pay my rent .

Customer service has been bad, access is hard sometimes.

This is got to be one of the worst banks I've ever had to deal with I've been with it for almost 4 years when they started out with the overdrive free overdraft there were no stipulations I have several screenshots where it says if you make over 500 a month direct deposit you automatically get the $200 overdrive I'm still at 100 it's ridiculous I make $1,300 a month I should be allowed to have the $200 over

Current is the way to go!

I love it it’s different from anything else I used before

They listen 👂 and help , current investigate , fix situation. Protect my money I hope

I love this card has definitely helped improve my credit score

I like early direct deposit, I don't have no problem with my money

Really easy to use and even Mr beast said it was good so

No fee overdrafts. Help me in my time of need.

Good service. Helpful banking options!

It was fast free and very easy to do

Grate love the app have no real problems great app to have everyone should have this

Love this card!

Cant say I'm a big fan. My cards were stolen and used by someone and Current says i funded the transaction. Refused to reimburse my fraudulently used money and were very rude about it. I lost a car behind this. Was not able to keep my payment made. I went round and round with them. Tried to get information from the companies my cards were used at and prove it had nothing to do with me which is what they asked me to do (both companys told me i needed to deal with my bank and tell them it was fraud like any other normal bank would have you do not deal with the store. Im not a detective) and they still kept my money or at least it wasnt rrefunded to me. I had other cards that were in this whole fiasco, my Venmo as well as my Cashapp. Luckily they both stand behind their customer and refunded the unauthorized transactions but Current.....you should be ashesmed of yourself the way you treated me. Blaming me the way you did. How tactless and money hungry can your company be? And Oscar A. Is the worst. Very rude, he could care less, requested specific tasks of me which i did (provide proof i contacted each merchant) but he still would not help me or refund my money. He was very abrupt, close minded and convinced himself i did this to my own account. UPDATE...... you say you take Brad very seriously and that your team goes above and beyond to do whatever it is they need to do to investigate the dispute that people bring forth however you fail to acknowledge the fact that you tell someone to do certain things in order to resolve the issue and when they do you don't follow through on your end and you still want more and when that's done you still want more and you just won't open the claim and fix the problem you just want to keep blaming someone because that's the easy route you know dang well I didn't do that to my own account yet you won't give me my money back and I think that's fraudulent if you want to know what I think. I think your company is very very biased and very very rude and very very unprofessional and you don't take it very seriously you just do it because can no one else can change what you what you say or do or anything so therefore they're stuck in the position of having to just let you say what you want to say and let it in the way you wanted to end and I think that's total crap. My other two banks that were affected didn't hesitate to fix the problem when they saw the problem as it arose and I I did the best I could to you even though that's not standard procedure with any other bank but yet I did it for you and that still wasn't enough I even offered to do a police report so I think you're I think you're asking way too much doing way too much and I don't like your company

Got a different number due to my identity getting taken and even filed a dispute with y’all which y’all denied. I haven’t had access to my account in forever

Customer service is extremely excellent

Great app great services love the user interface and quality of ease to the settings

Wonderful so far

The best part was how quickly the transfer was completed.

No matter what I say you're not going to do it

You guys help me when someone was trying to Rob my account!!

Current took my money. For 8 months it looks like I have a account with my money but Current won't let me use it and they won't send it back to my original account with USAA. They also aren't paying any interest and only have chat robot support.

Hi love that I can overdraft

Current closed my account, and everyone’s current account around me. After I spoke with a representative about using current for my small business with cartooning, days later they closed my account, and stated that I had fraudulent activity. When I didn’t, I had direct deposit going to card through my employer, and also getting paid for my services on painting people. Current decided to close out everyone’s account that sent me funds and my job had to mail my last check. After about 45 min on the phone, the representative had an attitude with me because they had no reason to close all our current accounts. But hey i guess it was too many black people in one spot making money for hard work…

Current is simple and easy to use. Additionally, the Current app provides user friendly features. By far, Current is one of the best financial technology companies.

Don't like fees

Super convenient. Like the immediate email notification of my purchase

Early Pay Day

My over draft I loveeee it!!!

Everything is great. I have no discrepancies service and all.

Current has been amazing. They get me my paycheck sooner, overdraft protection, and now even paycheck advance! They offer points for cash back in a rewards system, and their app is nothing short of informative for my finances!

I brandy love my card

Nice and fair bank

I am new to current, and I am enjoying them so far

It’s great!

It’s really not the best bank. I had an issue where I had to get a paper check and I couldn’t deposit through the app because it was over $2,000. That was extremely frustrating. I also couldn’t receive a bank transfer because that’s not an accepted funding source. That was also very frustrating. Once I find a new bank that i’m happy with. I’ll be leaving Current!

Absolutely love the service! Also really like the credit building help once I had direct deposit. I hope it works as stated! I need credit history and am looking forward to good credit!

Easy for teens & parents

I am pleased that my earnings are accepted as a deposit. It is upsetting that a transfer from my checking account with Woodforest takes 5 days to appear.

Was easy and quick

Easy to use and very helpful

The customer service is very helpful and polite.

Just to be able to use the card sometimes when you don't have enough money to cover transactions with no hassle in between

Most reliable checking account I've used. Great customer service.

taking so long to receive new card ..

Everything always goes through without issue when I did have an issue and reported fraud it was taken care of immediately

Being able to access my money anywhere

Hi Current Support Team - I noticed several fees on my Current account that I would like to ask for a refund on. I have been a loyal customer of Current and hope to continue, but these fees are becoming really frustrating.... Especially when there are now so many fee-free banks and it’s been such a tough year! Can I get a refund on the $12.50 from my transactions below? • Out-of-Network ATM Fee - 11/20/2023 - $2.5 • Out-of-Network ATM Fee - 10/12/2023 - $2.5 • Out-of-Network ATM Fee - 08/16/2023 - $2.5 • Out-of-Network ATM Fee - 07/27/2023 - $2.5 • Out-of-Network ATM Fee - 07/26/2023 - $2.5 Thanks a ton, Francisco

I just have had an amazing experience with current

Love current

The app is great but you can't do instant cash outs like on cash app. If you guys get instant cash outs this all would be perfect. Great features in the app

Great banking and incentives

Very good bank

I love how yall handle card and money things very seriously no matter what