Current: The Future of Banking App Reviews

VERSION
6.24.0
SCORE
4.7
TOTAL RATINGS
148,176
PRICE
Free

Current: The Future of Banking App Description & Overview

What is current: the future of banking app? Current is the future of banking. Spend, save, and manage your money better with our mobile banking app and Visa credit and debit cards so you can make the most of what you've got.

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Join over 4 million members that trust Current & sign up today.


WITH CURRENT YOU CAN –
BUILD CREDIT: Use your Build Card to build credit safely with every swipe, no credit checks or history required.

SKIP THE FEES: Get fee-free overdraft & fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.¹

GET PAID: Payday comes up to 2 days faster with direct deposit.²

SAVE: Earn up to 4.00% annual bonus on your savings with Pods when you receive and maintain a qualifying direct deposit.

GET REWARDED: Get up to 7x the points and cash back on swipes.⁴

SPEND: Get spending notifications and insights, and instant money transfers with Current Pay.

ACCESS YOUR $$$: Get instant gas hold removals so your funds are available right away.

STAY SAFE: Get privacy controls to protect your information, and block your card in the app.

GET HELP: 24/7 support & chat in the app.


TEEN ACCOUNT BENEFITS

SAVE: Savings Pods teach teens to set savings goals.

SPEND: Get instant money transfers from parent to teen, spending notifications, and set automated allowance payments.

BUDGET: Explore money management tools that help teens budget money.

STAY SAFE: Parental controls let you pause the card directly in the app, set spending limits, and block merchants.

No minimum requirement to open any account. Teen accounts must be linked to a parent’s account through the app.

¹ Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees. Please refer to Fee-free Overdraft Terms and Conditions at https://current.com/docs/
² Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits.
³ Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. Please refer to Current Boost Terms and Conditions at https://current.com/docs
⁴ Points available at participating merchants. Teen accounts do not earn points
⁵ Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

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App Name Current: The Future of Banking
Category Finance
Published
Updated 12 February 2024, Monday
File Size 113.34 MB

Current: The Future of Banking Comments & Reviews 2024

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Best bank ever !. I have been using Current since August 2020, and it has really been the best experience, I started with my account first, then my wife was interested and she created her account, then we created a children's account for our 3 children, an account for each one, and it has made it much easier for us to manage money. The most I like is that it can be a Saturday at 3 am and you make a purchase, Current withdraws that money instantly, not like regular banks, where you use the money on a weekend, they wait until Monday to reflect the transaction and then they charge you fees because you used a little more than you had, but that's not the case with this bank, plus I received my work payments every Wednesday from 6am to 8am maximum. It sounds too perfect to be true, but it is not perfect because there is only one thing that I would like to see changed, and that is the amount you can withdraw at the ATM, I am a person who spends my time buying and selling cars, and once I had I had to withdraw $4,000 to be able to buy a vehicle and I lost the purchase of that vehicle because I can't withdraw the amount I needed at that moment, so for now I keep the money from negotiating vehicles out of the account.

Omg pls don’t. I’ve never had more issue with an online banking system. I just thankfully closed my account after have current for about 6mo. If you like have easy access to your money, I’d advise against current. I was using current as my “fun money” account. So I kept my external main bank and would transfer only money to use as I’d like into current. Seems like a good way to use an up and coming online banking system, right? At least that’s what I thought. I was wrong. The transfers hardly every had correct estimates of days it would be deposited. Current also offers immediate transfers! With a huge list of caveats.. if you want to start using immediate transfers, it is possible but it takes about a week to initiate, and it only works for going into your account not out. It is also not compatible with Zelle, I was told I could manually connect my card with Zelle but when I tried to do so, Zelle gave me an error message that the platform does not accept that card. Current is only really compatible with cash app, and everyone in my life primarily uses Zelle or Venmo, so overall current was not compatible with me. At times during the week long transfers waiting for the deposits to land, I really felt like my money was being held hostage. I’m very glad to be done with current, it may be compatible for you and that’s great, but Jesus Christ.

How does this happen?. I NEVER wright reviews but for some reason I feel I need to here! My favorite thing about current is the ability to get a “payday loan” every week essentially and pay it back immediately without penalty or fees! If you’ve had Current long enough, you know how long it takes to build up to $150 overdraft protection! I have had Current since 2018! I have been at my current employer for over a year and a half without a pause longer than 2 weeks for vacation but my monthly deposits are STILL above $500 in the other 2 weeks! I say this bc that is their stipulation to have access to overdrive. You must get at least $500 a month in direct deposits to use the overdraft protection. I go to the gas station before work this morning and use my card where I’m declined 2 times when I knew I still had $50 available for overdraft. Luckily my husband was there and able to pay for our stuff. After investigating, I found without warning or cause, they have “paused” my access to overdrive?? What?? I contact support who tells me it could take 3-5 days for them to respond regarding what is going on! Nope! I will not sit around and let someone play with my way to survive paycheck to paycheck! I will find another bank and start over before I let my current bank make me start over for no reason at all!

THIS APP IS ABSOLUTELY TERRIBLE!. I wouldn’t even recommend this app even if someone held me hostage and forced me to. I never wanted to cuss out a customer service agent so bad. They are clueless and can’t do anything and clearly don’t know how to communicate with customers or each other. They give you a virtual card to use while your waiting on your physical one to arrive in the mail..what they don’t tell you is that you can’t even use it!!!! I tried to use my virtual card with the Apple Pay feature and it didn’t even work. I contacted customer support asking them if the virtual card works at any stores that accept Apple Pay and they told me that I can use my virtual card at any store I can have to accept “credit” instead of “debit” since my virtual card doesn’t have a pin. IT DID NOT WORK. Then I talk to someone else and they tell me that my virtual card is only accepted by merchants who accept virtual cards...after I just tried to use Apple Pay, with a merchant, WHO ACCEPTS VIRTUAL CARDS. I was so over it completely. THIS BANK WON’T LET YOU DO ANYTHING WITHOUT YOUR PHYSICAL CARD. Mind you I ordered my card 7 days ago..and it’s still not here. This bank restricts you of YOUR MONEY. I am not able to access it in any way all because I don’t have the actual physical card. THIS APP IS A COMPLETE WASTE OF TIME. USE AT YOUR OWN RISK!

Great online banking service!!. The app is simple and easy! It’s also an incredibly easy way to be able to utilize a savings account/rainy day fund with a great rate to increase the amount of savings you have over time and with the more you put in the savings account the more money you’ll make and add to what you’ve already saved!! I’m definitely going to continue to use this particular online banking service! Especially since it’s got absolutely no hidden fees, no overdraft fees or fees that you aren’t made aware of basically immediately. Most banks also require a minimum amount to be kept in your account as well as charging a monthly “service fee’ just for using your account, but current does not. The fact that they make everything so simple and easy to use and access within your accounts makes it that much more worthwhile!! I’m definitely not going back to my old banking services!! Thank you Current!! You’ve saved me a ton of money and kept me from the massive migraines that come along with most any other banking services!! Keep up the good work! I would highly recommend Current to anyone looking into switching over from most mainstream banks or banking services!!

It’s really 0 stars for me. I’m only putting five stars because I can’t give 0 and people need to see this. Thought I’d try it out even though I was skeptical about it. I’ve been getting paid by my job 2 days prior ever since I switched to Dave and Albert. However, I wanted to try Current out. My job makes it very easy for its employees to switch accounts and add accounts whenever we want too, so last week I got my first check through Current while having a basic account I could see that on my normal payday of Tuesday the check was pending and it was released the next day, well this week I had a premium account which they actually do promise to deliver your check 2 days before your actual payday. Well yesterday I waited all day for my check to show up in the account, I mean there isn’t a check pending or anything. I’ve talked to 3 customer service representatives 2 had very bad attitudes because I had the most basic of questions and because once I found out that being a premium account holder sucked because you don’t get your check any earlier, I asked to go back to basic because premium cost 4.99/ mos. I’m probably just over the top and I don’t care because I don’t play about my money, so if you promise 2 days in advance you should deliver that. I’m going back to Dave because my savings accounts got paid yesterday. Just don’t do this to yourself you guys, if your use to getting paid 2 days before your actual payday just don’t do Current.

RIDICULOUS. I have used current for 3 years now. 3 YEARS. mainly because i just have everything hooked up to it and dont feel like changing my card/bank info on every subscription. my advice go to Chime, or some other mobile banking. Currents customer service is rude 9 times out of 10 and half the features the app claims to have don't actually exist or require 100 eligibility requirements. for example, they claim to have an instant deposit feature that’ll eventually be ready for you to use. I’ve been depositing the same exact check (as in from the same person) for the same amount every month of every year since getting this app, give or take a few months, and still have not unlocked that feature. so today I contacted support and said “hello I was just wondering when this instant deposit feature will unlock“ and the customer service representative responded, rather rudely, with “we don’t have an instant deposit feature“. i told him that when i deposited my check the info tab you can click says “it normally takes 2-3 days for check deposits but instant deposit will unlock as you use Current.” HIS RESPONSE “im sorry we don't have feature. Also it actually takes 4 - 5 days for check deposit” NO WONDER I ALWAYS GET MY CHECK DEPOSITS LATE AND WONDER WHY. BECAUSE YALL HAVE LIED ABOUT YOUR CHECK DEPOSIT FEATURES. this app would be amazing IF the customer service was nicer and they were HONEST about the app features.

The Current is Currently Perfect!. Funny true story. The payroll company that pays me uses a service that if I pay a fee they give me an advance on my paycheck. Well I signed up for it because the first time was free. Well when they go into the account to pull the funds to give me an advance they say I don’t have any money. Now I’m confused and a little upset but ChaChing here comes Currents notification! My finds are already available! You just know I had to tell that other company that they’re fixing to go out of business and some think that’s rude but I call it “get your crap together, know that in these times you must stay on your toes because their will always be better!” Thank you Current I appreciate you! Please know there’s another one coming down the pike and the sooner I see it the better in these times you know we could all use it. God bless you thank you so much.I look forward to a long lasting business relationship with you. I love saying I love my Current because they are ahead of current and there is currently money in my account!

Great Banking App 5*s. I absolutely love this banking app! It’s got so many great features that other alternatives don’t have. The great things is subscription fees are no more with this app and atms are free if you use one of the many many on their list. They have many options to help you save money and make investments as well. I love that I can manage everything from a app on my phone including blocking a certain brand or business from being able to keep charging my card, pausing my card if it’s lost or stolen, sending and Receiving money, buying or cashing out bitcoin or other virtual currency in the app and getting lots of deals when swiping or buying with your card. There’s also a option to use a virtual or throw away electronic card number when you make online purchases as well as use your virtual card if you have to order a new card due to loss or theft as well. Customer service is amazing and they have a great referral program with incentives on both the referee and the referred. Don’t even get me started on the option to have several savings pods to save up for things without worrying about spending money you want to save for something special, a bill, etc! Highly recommend!

Shame I Can’t Leave Negative Stars. This company has no means of good communication! You wait and wait for an email reply to your concerns about their misuse of your financial account. Chat support tells you to wait for this email that should arrive within 24 hours. It took 8 days. They allowed a charge to come out of my account without my authorization which made me a few thousand dollars negative which should not have even been possible with my account being set to NOT have an overdraft allowance! After reviewing y dispute a SECOND time I receive an email stating that they have overturned their initial finding in the company being allowed to take such a huge deposit from my account. When I contact them I wait 8 DAYS to get a chat agent telling me that the email I received saying my account was credited back the full amount was actually sent IN ERROR!! WHAT!!!! Do not trust this “bank” to handle your finances. We’ve all been deeply effected by this worldwide pandemic and this company has the audacity to state they made an error when they said they overturned their initial finding? How is this even possible? How is this even legal? Do not trust them. If online banking is what you’re seeking, I have NEVER had any issue of any kind with Chime! And Chime also allows you to obtain a secured card that helps rebuild your credit! Trust me when I say Current os a joke!

Hacked and customer service no help. Update** Three days later and the hackers are still attempting to use my daughters account, despite our reporting to Current the issue, and changing passwords several times. I had to have my parent side of the account removed completely to stop the scammers from trying to deposit money from my end. The scammer also tried to scam my younger daughters card as well. Lucky for us she had ignored the calls/texts before anything happened. Original review: The card we have for our kids got compromised. The hackers/scammers were very smooth. Had all of us fooled. The company isn’t being very helpful at this moment about returning the money, either. And even after contacting them about the fraud, somehow these scammers are still trying to use my account to steal money through my kids’ compromised account. I can’t remove the linked checking. Can’t pause it from making Deposits. It should only be allowing access via my Face ID, yet they still got in again. Looks like this is a new frequent issue for current users with these scammers yet no warning was sent out about this new scams. I do NOT recommend anyone use Current cards for your kids. They need to do better about security and be better about returning fraudulently stolen money and about earning customers when new scams are on the rise. We’ve been working with them for over two hours and there’s still no real resolution

DO NOT USE THIS SERVICE BEWARE ❗️❗️❗️❗️. I was with this company for over a year I took $150 out of an out of network ATM I contacted current because I did not get the money that was supposed to be dispensed from the ATM I contacted current for them to file a claim it took them one year to decide that they were not going to replace the money that I never received I had to keep reaching out to them I never received any emails that the chat customer service stated they sent out when I did receive an email it stated that my dispute has been overturned and there was an error on their part when I contacted Current again they told me that the email was sent in error and that my claim has been closed I asked how was the claim closed when I received no update on the status of what’s going on with my claim they refused to replace the money and now I have to file a civil lawsuit to get my money back so I would basically be putting out more money then I was supposed to receive from this company current is not a good company they fraud customers into believing that they are here for the customer but that is a LIE I warning you do not sign up for this account they took down the customer service number to contact a live agent and blame COVID amd that’s the reason they don’t have live agents

Worst mobile deposit process I’ve ever seen. I wants to give current a good review, I really did, but with the ridiculously abhorrent experience I’ve just had with them I couldn’t in good conscious pretend that this bank is worth your time. I had a current account before and I absolutely loved it. However I started a new job that (infuriatingly) only does paper checks. At other banks this wouldn’t be a problem as most will deposit the check immedielty in some fashion or at the least within 24 hours….but not current. I used my first Mobile deposit well over a week ago and it has been in pending limbo since. I’ve had to go an entire week without a paycheck because current thinks it’s somehow acceptable to make people wait AT LEAST five days before a clearing a mobile deposit which is absolutely ridiculous. I’ve already switched back to my old credit union because they at least deposit half the mobile check deposit Immedietly and the rest within 24 hours at the most. I contacted current assuming there had to be some sort of issue with my deposit because waiting 5 days for a check to clear sounds like an unreasonable joke, but no. They told me it’s their standard and that is absolutely infuriating. This one issue has been a massive inconvenience in my life that has caused legitimate financial hardship when there otherwise shouldn’t be. If I could rate current at ZERO stars I would and I can only hope they either fix this absolute trash mobile deposit system, or shut down.

Easy but not helpful. Current is ok only reason I’m writing three stars is because customer service is honestly garbage. And they promote that there was $100 overdraft which honestly that’s not true at all. But back to my original complaint about customer service I had an unauthorized use and someone used a little cash out of my account and when I contacted support they basically said it would take three to six months to get that payment back after I fill out a mountain of paperwork and all that they could do is cancel my card and send me another one, but in the process they canceled the wrong card so I was stuck out and they did not ship the new card faster they basically told me to deal with it or use another Bank to link a virtual card so I can pay for stuff for my kids .they were not helpful and honestly I won’t be with them for much longer .only good thing is you will get your paychecks faster and tax return fast but outside of that it’s really nothing good. And if you change your phone number it is basically impossible for you to get back into your account even if you have an email link to it and they did nothing to help my wife she is still locked out of her current and the money is still sitting in there so basically they said deal with it so Hope this helps dudes

Terrible Response Time. Before I begin everyone needs to know this isn’t a bank, Current is just a tech company. I went through the support chat to resolve what I thought was going to be a timely fix. Then slowly realizing this has morphed into a longer process. I had spoken to someone through chat on how to establish the connection to my Credit Union again. Since Currents systems no longer recognized it. So someone informed me to delete the app, download it again, none of these were working so they informed me to delete the account and reconnect it again. This made things even more complicated. I no longer could request transfers from this account. This was escalated to the “hire ups” then I got a response that they were looking into this. Then I didn’t heard from them for a few weeks. I returned to the chat support and they were able to help. They had me go through the same steps and unfortunately sounded very robotics. As they follow a copy and paste speech, possibly to avoid getting any fingers pointed at them. However, it was clearly stated it was an error on your part, which I have the screenshots. So either this gets fixed or I’m leaving Current that simple. You are a tech company you should have the capabilities to fix this error in less than 30 days. Do better. I’ve already started the process of moving my funds to a legitimate institution

Horrible customer service, lack of supported banks. I would suggest any other banking app other than this one. There are banking apps that work much better and don’t charge you a monthly fee. I signed up because they offered a $50 bonus when setting up direct deposit of at least $200 and I wasn’t aware of any issues. So I set it up and on the day my deposit goes into the account there was no $50 bonus. They also have a ridiculously small list of supported banks, so unless I need to buy something online with the virtual card (which also can’t be used for anything person to person related) my money is basically hostage until the debit card comes in 14 days…I contact customer service live chat and not only do I find out I have to wait 10 days for the bonus and 14 days for the card..I also found out how horrible the customer service is. They seem to refuse typing to you themselves and repeat the same pre written scripted responses over and over again. The person I chatted with kept telling me to “connect a bank account that is supported by plaid” over and over again after I told him that current doesn’t support my bank and I don’t have an account with any in the list. They charge money to be one of the worst online banking apps out there s do yourself a favor and go with chime or dave

This is the best financial app out there!. I have been using this app for years and it has only gotten better, with the new build card I have started to build credit and being able to have 4% apry for all 3 of my savings accounts means I am making about $1 a week on average just for having money that I would be saving up anyways. It’s also great to be able to still have access to my money with a virtual card even if I need to replace my old card(s) which I just did last month just because they’re getting old. It’s also nice to be able to send others money with the tap of a button and receive money from them just as easily. It’s safe secure and support will do everything they can to try and solve your problems and answer your questions. Your money is available anytime anywhere and you can easily turn your cards on/off anytime you might need to and block specific transactions or brands with a single tap. You can also use the Fee Free ATM Lovator to find the nearest ATMs that won’t charge you a fee to use them. You can deposit cash through some stores like Dollar General straight into your accounts. You can get fee free overdraft up to $200 when you have monthly direct deposits, you never get charged for using the overdraft if you ever need to use it. There are so many great features that you can’t get with a physical bank that make this app great and it makes saving money and building credit easier than anywhere else!

I like it. App works great, features of the account are amazing but i could deal with some extras. I understand that there is an internal algorithm that determines how much one can overdraft their card but i have seen some people that make less and overdraft more often and they are sitting at $100 available to overdraft in a matter of months whereas i rarely do so and have had the account longer yet am still stuck at a lower amount. Personally i think there should be a publicly accessible chart on how to get to a certain amount. Then there is the pay times. I know that i have to wait till my job sends out the info for my check and then it has to be filtered by the federal reserve, but it would be nice if it had a set time/day that my money was to be on my card as opposed to a 3 1/2 day time frame, excluding holidays and weekends. Lastly it would help if i could have a second physical card as my phone’s NFC chip is broken and i cant utilize tap to pay until i get a new phone so the virtual card is of zero use to me but i have transactions i need to reverse and cant be without my money for 2+ weeks and cant carry cash due to my job and the dangers at work (I work armed security). If i had the ability to have a new card issued to me and sent out BEFORE i cancel my old card so i can keep access to my money during the process. Other than that, the card is amazing as is the account. I recommend it to a lot of people and get a smile when i see others with the same card as me.

Not a bank. They lie.. This is the absolute worst decision I’ve made in a long time. Go to a real bank and get your teens a real teen/student bank account. Current is not an actual bank. When you attempt to transfer money to the current account, it will take 3-5 days or LONGER to actually show up in the app. This is true even for a DEBIT card transfer in which the money is immediately pulled out of your bank account! I took my teens to the mall to do some back to school clothes shopping. They wanted to go to separate stores and asked if they could please have their money on their cards. I transferred $1000 to current and it immediately took the money (+$30) out of my bank account and then HELD the entire amount. I contacted my bank to see what em could be done and they gave me the phone number and authorization number associated with the transaction. I called the number and it went to some home loan company with a recording saying “you are calling from a number we don’t recognize” and hung up on me. I used the support chat on the app and they basically told me they aren’t a bank and don’t have the ability to reverse authorization or cancel authorization. They absolutely do!!! Any company that authorizes a transaction can reverse it. They just don’t teach them how to, because they are liars. They refused to get me a supervisor saying they are all given the same training. What a joke. Don’t use this company if you value your money. They do not value your money or your time.

Smooth Sailing Now!. I’ve made my Current account & have had it for about 2-3 weeks now. I have the free account to check it out then upgrade it to the monthly payments. I like the layout of the app it’s beautiful, but not user friendly to everyone unless you look up where what is & that’s how you get much insight or just by playing in the app to see what you have. Today I just received my card it’s been a little longer than I expect. They said it would take up to 5-7 business days to receive & it took a little longer than expected. So I had to use the temporary card on my Apple Pay to use it in physical stores. If they don’t take Apple Pay then it was a hassle. I had to download the stores app to be able to purchase (Such as Tropical Smoothie, & Walmart) after that everything was smooth. The only other thing was depositing my money from my other bank account. It took forever & it’s not a good way to transfer money. Such as Cash App. Other than that I’ll see what Current is about now & update later on maybe. Oh & customer service is very nice & helpful they let you know what they can.

Love Love Love. Never have I had any issues with my current bank account. I initially set it up for when I was getting unemployment a couple of years ago and had only planned on using it for those direct deposits each week and then being done with it but I love the account so much bc I have never had any problems with receiving my deposits and there are so many places to add cash to the account that it makes it so much more convient to me than these other online banks. Also chatting with a worker if you do have any questions or if an issue arises is an absolute breeze!! Thank you current for taking away the monthly subscription fees as well. You guys are now my NUMBER 1 choice for all of my online banking needs. I even use my current account over my local account here in town. My boyfriend even decided to open his first account with y'all today as well. Can't wait till you have the option for joint checking and savings tho. That's the only complaint that I do have is that I would love for you to offer joint accounts. Thank you so much for making banking easy and accessible! 5 stars for sure 😍😍

DO NOT TRUST THIS COMPANY!. Worst mistake I’ve ever made was to have my direct deposits going to this app! $1200 worth of fradulent charges, (approx 10 different transactions), and after filing disputes for these charges, I unfortunately received an email saying “sorry, after reviewing your account, we have found that no error had occurred, your disputes have been denied”. Mind you this is income that I depend on every month after recently going through a death in our immediate family and my son and I are struggling to just barely get by every month! This has caused tremendous issues with our living situation etc! I have chatted with support literally begging them to find out what happened to my money just to get the same answer every time. No option to call and talk to a live person whatsoever! It’s like they don’t even care that $1200 we desperately needed to survive, was stolen from my account! I thought I would have some type of protection or else I never would’ve have my direct deposits going to this account! All of the said transactions said facebook, yet this was not my Facebook acct and was not in my history on Facebook transactions so I am not sure how they could not find any error that occurred ???? I am extremely disappointed with this app and wanted to make others aware of this because I am certain that I am not the only one to go through this type of mess! Thanks for protecting my money current!!! Tracy Fessler

Great Idea, Horrible Customer Service and Problem Solving. *PUTTING 5 STARS SO PEOPLE WILL SEE* Their app and website designs are flawless. Their savings pods and interest percentage are amazing. Their customer service… is a different story. Don’t expect to make it to $200 overdrive either. Chime will approve you quicker. 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.

Awful!! Protect your money. Don’t use this.. I have tried nearly every allowance app and current allowed me to schedule regular deposits on a particular date. However, when I went to set up regular allowance for the kids, it only gave me the option to transfer directly from my bank. It is not even an option to transfer from the parent account. That is the entire appeal of the app is to manage allowance funds in one central location. We get paid monthly so a monthly transfer to the parent account makes sense. However we want to pay the kids weekly from the funds in the parent account. As of yet I have not been able to set this up. I contacted support last week but beyond an automated response that said they received my message, I am still waiting to hear anything back. The concept is a good one, but perhaps not effectively executed. **UPDATE: I had to drop to one star because not only have I not had a response to my email, but I have been trying to get through on the phone and after about 20 minutes of holding a recording came on and said we are currently receiving a large volume of calls. Please email (tried that) or try our online support. Click. It hung up on me! After all that waiting, it doesn’t give you the option to continue holding your place in line. It just drops you so you either start over or give up. I am not giving up until I get a full refund.

So rude, and they lie and work together on the lie. I have had the worst experience with a bank that you can have and it was with his bank. I have two cases where my car was really stolen and they swiped as a credit card and they did nothing normally it takes like a 30 to 90 days for a bank to get back to you they contacted me the very next day denied it did not care about any of the evidence I had when I ask him about theThe reason they always tell you to contact the disputing the disputing when I tell you never reaches back out I sent multiple emails opening up multiple cases nobody ever reach back out I have lost hundreds of dollars in his bank account because they were fused to do investigations whenever I asked him to be transferred they have will never change for me I am going to upload evidence of just just some of the evidence but please just know I have a lot more Oh and I also have a case build up against him with the Better Business Bureau I screenshot all of my conversations and they will be handled they won’t let meUpload the pictures but basically when they send me the email of the dispute they created they basically lied in the whole email and they basically say I said things that I never once said I still have my original copy of the email I sent them every day when I sent it to them do you know the people still never say anything for to me in a basically justify the actions in lying of the employees

Not pleased. To first start out I’ve had a bad experience with Current. This is my first debit card and I am not pleased with it at all. First things first I tried transferring money into the account and after about a week it never went through so I tried to dispute it and NEVER got my money back (this was months ago) so I decided to stop using it because after that I didn’t want to lose any more money. I’ve finally decided to start using it again as I’m looking for a job and it’s currently the only debit card I have and I went to look at my account inform and Current has signed me out of my account on both of my phones. I’ve tried signing back in but it literally makes me create a whole new account which I don’t want to do and the support email for current is no longer in use and I never reach anyone when calling. I don’t see anything about a sign in issue on the website and what to do if you can’t sign in at all so I have no clue what to do. There is literally no sign in option on the app only a “get started” option as if to open a new banking account with Current. Are you really that desperate for new customers that you try to make them open up a new account if they can’t sign in to an existing one? I’ve received no help from anyone despite trying and like I said never got my money back from the first time and now I can’t access my account. Do better

READ THIS BEFORE. I’ve used this bank for a few years and like any company policies and practices change. The app constantly logs you out without your permission. If this happens when you’re out and about and don’t have service…good luck accessing your account. The newest policy does not allow you to sign in on VPN only on mobile data? You can see where that might be an issue for some of us who live in areas that might not have the best service. Now say you run into this issue and you want to contact customer support. Well you need to have access to the app in order to do that because there is no contact support button unless you’re signed in. There’s a bit of a paradigm you’re locked into. Fortunately there’s a customer support number right? Well, yes but only available M-F 8am- 5pm CST. Current message to you is this. If you’re going to have this much “security” you better be available for the consumers 24/7 for support. You cannot have a policy where using VPN is a security measure. What of the folks who do not have data or cannot afford it? If you are going have this much stipulation and restriction you better ready answer question anytime of day. Any other bank has after hour banking help. Yes I called yours and no the cannot help(they are a third party) Completely ludicrous what I have gone through with you guys

Good idea, needs work. I started free trials for two competing debit card companies, and this one came in second. It takes a full day to transfer funds from my bank account into my parent wallet in the app! That was way too long. I need the money there instantly. I debated this card in the first place because I wanted the chores to be checked off and payment to the kids to be made only if chores were done, but it is not a simple integration. Once you create the chores, you can’t edit them, so even if there is a typo, you are stuck with it! You can’t change the order that the chores appear for each day, and there isn’t a check box to check them off when they’re done. I started by creating a separate chore for EACH action I wanted done, but it takes up most of my screen to show one chore, and with three kids and at least 15 chores each, it wasn’t worth it. I decided to go with another card that does not have the chore option, but transfers to my parent wallet immediately, does not require such an elaborate password to get into the app (how about a PIN or fingerprint?), and I can turn each card on or off any time with only two clicks instead of three. If I think it’s lost? Off. If I can’t find it? Off. Kids have it safe in their wallet? On. Current does not have that option without reporting it stolen.

Much Better Banking Experience. I’m so glad that I came across Current in November last year. I had just closed my BofA account after being fed up with their mercilessness and greed. For example, I would get slammed with $35 overdrafts and customer service never cared if it was because I had lost my income during the lockdown or if my overdraft was .28 cents below. They took that money like their lives depended on it (talking about one of the largest banks out there). Then they started tacking on an unreasonable $12/month “maintenance fee” after I got a job where direct deposit wasn’t an option. After losing $60 to these fees, I switched to Current and it’s been great. I also appreciate their check deposit feature and how quick it was to set things up. I tried Venmo before and verification never worked despite having valid ID. And customer service would tell me to call an outside company who would then tell me to contact Venmo CS. I got fed up after not being given an answer for a week. Current isn’t perfect however. Check deposits can take up to a week and the estimated date that the funds will be available isn’t accurate, but at least deposits take less time the more you use the function and customer service actually responds within minutes instead of days to your questions.

Don’t use this App. Initially I believed I would love this app but I don’t recommend a banking app that you can only access from the mobile app itself. Current you really screwed your customers over by not creating a website along with the app that customers can access to love money around if they app crashes. I deleted the app and downloaded three times to see if it would fix the issue but the app continuously says something went wrong. I’ve tried WiFi and my own 5G internet which every other app works but this one. You guys are going to be a failed company I can already tell. Also don’t try to call their customer service because there isn’t one. It’s only automatic options. If you contact customer support it’s only through email which takes 24 hours! I’ve pressed every button on my phone and listened thoroughly to each command key to press and still no transfer to an actual human being. They refer you to use the app which isn’t good if your app is the issue. If I could give negative stars for the app and customer service I would. Step up the game Current because this isn’t it. I’m now going back to a different banking app that way I can always have access to real human being customers on the phone and multiple options of how to get to my money. I want people to know this is a legit review and not leading them to some other bank for promotion tactics this is someone that is genuinely fed up with these people.

Avoid this, wouldn’t recommend. The only good benefit you get from this “bank” is getting paid a few days earlier and sometimes you probably won’t get it early at all depending on where it’s coming from. The 4% APY savings isn’t worth it, unless you’re saving thousands of dollars which I definitely wouldn’t recommend, people money has disappeared out of their account with no explanation from Current , just rude and confused customer service reps. I wouldn’t recommend using this as a everyday banking account. They’ll almost never follow through with a dispute. Once you dispute it , you will not get one message in the app or a phone-call with any updates. They’ll make you wait for multiple months and then email you saying they declined it due to what the merchant says. Although I have all the proof that I was scammed , so I don’t know what the SCAMMER could have said to stop them from disputing it. Now I have to take the merchant to court to get my money back. Which I’m sure I could’ve avoided if I had a real bank account. I’m not the only one Current has done this to, it happened to my friend and many others who complained about it on Twitter. I’m so glad I opened up my Truist bank account , and if I ever need to use online banking I’ll be sure to use Chime.

One of the BEST Debit Cards to have!. To anyone looking into getting a debit card to use for either personal or a business than the CURRENT Debit Card is a GREAT choice to go with! Having a Direct Deposit from your employer will allow you to receive your paycheck(s) a few day's earlier than most other bank cards may provide as well as to receiving gov checks, unemployment checks and many more Wile having the option of putting a Percentage of your paycheck into savings pods that enables your money to accumulate over time. The other Great Perk of having a CURRENT Debit card is not having a over Draft Fee of up to (-) $200 which is Great to have for a cushion when times may get tough an tight with Bills and other life events that could happen unexpectedly. With CURRENT, your able to keep a good track of your spendings and earnings that is provided with analytics charts for each month so you can have bills paid on time as well as watching any spending habits. There's more good things I may have not mentioned but I can ensure you that choosing the CURRENT debit Card, your more than likely going to be very satisfied. - MaC x BeatZ

Useful but a Hastle. This app has been great for managing my own funds with my parents but it tends to break down, on my old phone and iPad it completely locked me out. My dad has been able to send funds from his account but I tried to get a dollar drink expecting my dad to have put funds in (I can’t read my funds because it locked me out) it was denied and I was like ok fair enough I’ll text my dad and he can’t send the funds because it says “Insufficient Funds” or “Transaction cannot be completed due to low funds” or something like that (that’s the point of me getting money????) we cant send the funds and now I can’t get paid my allowance. Even worse is the fact that we haven’t gotten responded too because the customer support has (so far) been non-existaint, the FAQ has so little awnsers that whatever you search either gives you nothing or the entire list. And since it’s named current, googling “Can’t send funds via current card app” just shows random BS for other banks and cards. It’s been so useful yet at the same time I want to punt my device through a window! Why can’t the updates actually fix these problems? We’ve tried uninstalling and reinstalling and it doesn’t work so this just LOCKS PHONES!,!!

No longer a useful platform for parents of teens. I used to love this service. I have 4 kids. I used this with my first teen and had zero issues. I got instant deposits quickly and enjoyed being able to give my kid money whenever she needed money to go out with. She’s now older and has her own bank account so I’ve moved to using it with my second teen. All of a sudden out of nowhere I lost the ability to instantly transfer money to her when she’s out. I’ve been stuck twice now with depending on others to spot her because I was unaware that I wouldn’t be able to give her money instantly. If I had known I would’ve sent her with my credit card. After the first time I reached out and asked for assistance and was told there was some sort of glitch and to relink my accounts which I did. A day or so later I was able to instantly deposit money into her account again. Today no luck once again. I’m no longer able to deposit money in her account without waiting 3-5 days. I don’t want to transfer money and have it just sit there just in case. If I have to do that I’d rather just rely on giving her cash or my card. So after reaching out a second time and getting no resolution to my issue and having the person tell me how deposits work instead of listening to my issue at hand I’ve decided to close my account and seek out another platform to use for my needs.

Acct is locked with my money in it and I can’t speak to anyone...really?. I researched 4 or 5 different card options similar to this one and I chose Current because I liked that I could assign tasks for payment to the kids and that they could request money. What I didn’t like was that it took 2 days to transfer funds. But after a couple transactions I was “approved” for immediate availability of funds. That was great but then there was an issue when current send a notification that the approval had been revoked because the funds weren’t paid. There was money in the account so I was confused. Instead of being able to call them and resolve it like every other service Current only gives you the option to email customer support. FRUSTRATING!!! The responses are slow and it’s absolutely ridiculous that in a business where you deal with OTHERS MONEY that you would have NO OPTION TO SPEAK TO SOMEONE. So now my acct is “suspended for review” AND I CAN’T REACH ANYONE TO DISCUSS IT AND RESOLVE IT so my money sits in a Current acct that I can’t even sign into while they are “reviewing”. And for something that has no website access the app isn’t detailed enough.

DO NOT MESS UP. I was somewhat enjoying having the app as a teenager, but it was impossible to do anything without an adult supplying the money. Then once I turned 18 it locked me out until I could provide proper identification. I put in the wrong stuff and they locked me out permanently. I emailed them and they didn’t even respond to my question. I guess they have default responses when it detects certain words because I said ‘information’ maybe twice and the email back was about “sorry you’re concerned with the information we take”. Um, what? Nice to know they don’t read it until the second email. So it took me 2-3 days to figure out I have to find a new application and there was nothing they could do for a mistake——it took less time to receive appointment approval for a mammogram during COVID. You might think, oh can’t you make a new account? No. Never. You can only make an account via the app and you can only sign in with the same details after that so the apps useless on my phone now. In conclusion: Don’t get it as a teenager unless you have someone willing to give you money, DO NOT mess up an ounce of information or you’ll lose everything in your account, and expect your questions to take at least 72 hours for a proper response.

Needs work. It’s a good app all together, I do have an issue with the customer service. It takes forever to connect to a representative & once you do it doesn’t notify you so the representative usually just ends the chat if you don’t respond in a few minutes so you have to wait all over again to finally get connected to a new one. Also, if you need to dispute a charge that also takes forever. 30-45 business days I believe which is normal but I should at least be able to get my money back before that especially if it was fraud. I also don’t like the gas holds feature, say for example you only want to put 20 dollars in your tank & that’s all you have in your account, the gas station will try to charge you 100 bucks instead of 20. So it just declines at the pump and you have to pay on the inside. If you want to go to a bank atm to withdraw money, the atm already has a 2-3 dollar fee since it’s a different bank, but on top of that this card charges you another 2-3 bucks so all in all your fee is 5.50 or something like that which is way too much. It’s just little things I have issues with but other than that like I said, it’s a good working app.

Customer service and Technical issue. I have a problem where I’m missing a feature on the app. That feature is being able to deposit cash to my account. The feature is completely gone nothing shows up. That means I’m unable to deposit and money to my account via cash. I contacted customer service and it wasn’t a good experience. My first “helper” told me to uninstall and reinstall the app because there seems to be a technical problem. So I did and it didn’t fix it. While all that was happening he wouldn’t bother to say “we’ll be right there with you” or “working on it” to indicate he was figuring out the issue or even on the line/chat. I was left there for a solid 5-10 mins waiting and wondering if he even saw my message. He seemed lost when I would explain the situation. With the second “helper” it was pretty much the same but I will say she was kind enough to let me know when they where working on it and to hold on. What they had in common about the both is that they would give incoherent responses. I don’t want to go to in-depth about it because it might just be that English isn’t there first language. In the end after a 30 min session of back and forth of pretty much making no progress, I still got no resolution to my problem. They just said we’ll notify you when we add the feature.

DO NOT BANK WITH CURRENT!! YOUR MONEY IS NOT SAFE WITH THEM. I was a victim a of fraud and this useless bank did nothing about it. An unauthorized purchase .of almost three hundred dollars was made at Sephora was made. I have no idea how. I get notifications every time a purchase is made. Well as soon as I seen the transaction I immediately contacted current. Whoever I was chatting with told me to wait until the transaction settled. Once it did I immediately contacted Current again and disputed the transaction. Two days go by and I get an email from Current stating that “no error” was made therefore my request for a dispute was rejected . No other information was given to me. I have then been contacting Current constantly and nobody can give me an answer. I was desperate and hopeful I’d get my money back. They couldn’t even answer as something as basic as telling me where and when the purchase was made. I can’t believe they let the scammers get away with taking my money. I am going through a rough patch and couldn’t afford to loose that money just like that three hundred are gone from my account. Moral of the store don’t waist your time banking with them, you’re money is not safe with them and they will do absolutely nothing in the case you’re a victim of fraud. Terrible experience I had.

Zero stars should be an option. By far the worst customer experience I’ve ever had with any bank/banking ap. When I opened the account and they sent out the debit card some how things got messed up on there end and according to there computer they never sent me a card. After several discussions with multiple people and being told that I would hear from the management team because my issue had to be escalated I finally gave up and linked an account to take my money back from them. They had my whole paycheck which I had no access to right at the beginning of the month when my rent was due. And the only answer I got from anybody over there is that I should being hearing from them through email in 1-2 days. So the people that you connect with are super incompetent and they can do nothing to help you except lie. All that above being said the $50 bonus is a scam to get your business and they will not give you the 50$ even after you do everything they want you to. Bad app, horrible customer service, and will not do what they say. Save yourself the agony and do not open an account with current. There are better choices out there. Cash ap for one off the top of my head. But current is horrible. Do yourself a favor and do not down load this app and do not place money into that account if you do. Lastly the

Very helpful for my teen. This is helping my teen learn the value of money and budgeting. It is also wonderful to know when he is on school trips away from me that I can quickly transfer $ to his card within minutes if something unexpected comes up and not have to give him a bunch of what if cash- he goes on a lot of out of town contests! He used to ask me for certain things not realizing costs and now he compares prices and it is helping him to be a better spender and saver! I am able to set his weekly allowance and if needed I can transfer $ into his account immediately. One thing to note is that you need to have $ transferred from your bank into your parent current account ahead of time because it does take several days for it to clear. Once the $ is in your parent account though you can transfer to your child’s account as needed within minutes. Also if your child “owes” you $ for something it can be transferred from their account back to yours! I love that my son can have his card and not have to carry cash especially on those trips he takes with school.

Never again. I signed up for this account at 7am this morning. It would not allow me to use my apartment address for some reason so I just used my parents. It let me get all the way thru, telling me a card would be sent. I went in to change the address and it wouldn’t let me. Told me to submit a ticket!?? I did it THREE times? No one ever tried to contact me to help, so I sent an email twice..still nothing. Got on with chat who told me I have to send documentation just to change my address. I have NEVER had to do that with any other major bank. Called in, 20 min wait just for the rep to tell me she’s not going to stay on the phone with me until I get the email. (Which only takes a min) what a b****. Then I got back on chat with mike, he was helpful but still couldn’t change my address bc the date wasn’t visible on the renters insurance letter I got in the mail today. I ended up just requesting to cancel everything. If I have to go through a FULL days worth of back and forth for absolutely nothing, it’s not worth it. I’ll just keep the bank account I have currently. Also called back to speak to a manger at 5:40, I kid you not at 6:05 the automated system told me they were closed. This company is very ghetto and unprofessional. I regret taking so much time out to get this account up and running..I should have read the reviews first

Horrible fraud policies. I recently got hit with some fraud that put my account in the negatives my card was deactivated for it they didn’t offer to send me a new card. I told the reps that I didn’t receive my other card that costed me $6 for over 2 months and they just ignored me so now I have no physical card and can’t access my savings. I asked for a credit for the fraud amount and was told I have to wait 10 days for a chance to “qualify” to get the credit so now I’m screwed. I either lose the money in my savings so I can use my overdrive or I just don’t go to work since I have no money for gas due to this. When I first saw I was in the negatives i immediately talked to a rep he had an attitude and said they won’t investigate my account so I had to go look for the fraudulent purchases myself before they do anything. Since I get paid before the 10 days it’s going to eat a chunk of my paycheck I won’t be able to pay rent on time and I told the reps that if I don’t pay on time for the rent my apartment complex will evict me since they have a 0 tolerance for late payments all they said was wait 10 days and it can take up to 90 days for the money if I don’t “qualify” for the credit. Never had a bank that really doesn’t care about their members when something like this happens.

Easily hackable accounts. Someone managed to get my card info and had it in an apple wallet and I got the notification for a failed attempt at using the card. Thankfully my bank isn’t connected to this card so money wouldn’t have been withdrawn. After bringing this to the attention of the customer service representative they honestly didn’t seem to think this was a big issue at all and just said they would send a new card. I declined and said that someone getting my info was enough for me to delete my account and yet the representative still wanted to tell me it wasn’t necessary… umm idk about you but I prefer no one having access to my accounts. Worst of all the failed transaction wasn’t even in the same city but some where in LA. I don’t trust this company and it doesn’t seem like they would care if you have fraud on your accounts seems like they just want as many accounts open. The developer responses to negative comments are just quality control and not really useful, they just want to make it seem like they are helping or care. Lastly I would like to say shame on the man who goes by Beast something because he advertises this app knowing people get hacked or maybe it’s apart of a bigger scheme for him to get money from hacked accounts, who really knows but please avoid this app!

AWFULLL. I've used current for maybe a year now. I have filed only ONE dispute because someone got ahold of my card and used it on cash app. Months later i ordered something using my current card linked to paypal. The sender did not send me my item and paypal was giving me trouble because it looked like it had been disputed and to contact my financial institution. I filed a dispute with current and spoke with customer service through chat and explained what had happened. The next two days everything was fine and then they closed my account with no warning or explanation. Not only that but they block your number from contacting them if they "suspend" your account and the only customer service is really in the app. Even on the phone it will say you can reach is through the app. I sent an email and got no response. After they suspended the account they still let my direct deposit come through the account. I tried to connect my card to cashapp so i could take the funds out and of course it didn't work. Now they have NOT send the funds back and my job isn't able to track down the deposit. I always LOVED this app just seems crazy to be a BANK with no reliable customer service or suspending accounts without reaching out first or at least requesting ID or verification for whatever issue they suspect. I have one income that is now in limbo with NO response STILL. I am just disgusted with how they treat there customers!!!!!

Terrible. I’ve had the current card for a while for my teenage son. I’ve been having no success at signing into the account through the website or the app. I’ve contacted the company and all I got was a succession of robo emails. There’s no one to talk to when you make a complaint just emails. I have no problem signing in but every time I do it automatically routes me to a verification page with no other options. It asks for all my info which I give and it tells me there’s already an account with that information. Duh!!! It’s me!!! No matter how many times or different ways I try to access the account it always routes me this way. My sister can log into my sons account with no issue. I’ve left email after email with nothing but automated responses. I’m about to cancel his card and my nieces card as I have no way to properly access the cards nor does anyone from the company seem interested in assisting me. This has been an ongoing nightmare. Be careful before you put money into this. It seems as if there’s a robot running the company instead of actual people. Has technology gone so far that people in a company don’t take the time to deal with customers anymore? When it comes to money, technology is great, but when there’s an abounding issue with my money, I want to speak to a real person. If I could give it less than one star I would.

Good Banking for Side Job/Second Income. When I signed up and started using Current it was a smooth transition. I used partial of my check and had it direct deposited to my account. Always comes early. I went on and put some of my close friends and family on, that I send money with. **My only issues with Current is the reporting card damage/stolen/lost & transaction history between recipients. -It automatically cuts off your card and you have to wait for the new one to come in. So this renders you to having to only use the virtual card. Which can be a pain when you need to get gas or have you money deposited you wont be able to use a card to the account (annoying) -When sending money to, or recieving from people with Current accounts, it will tell you you have xx number of transactions between the two of you. Issue is… when you click to get the history for your personal review and talle up for taxes so to speak.. it shows “No Joint Transactions” which defeats the purpose.(Really Annoying) Other than that, its not a bad Banking choice. Id recommended it primarily for weekly direct deposit’ers and those with second or side job incomes.

No accountability. HOMELESS AND PENNILESS THANK YOU CURRENT UPDATE after my horrible experienceWith Current I close my account not being told that I would not have access ever again to my account numbers routing numbers etc. when I went to change my direct deposit they require I gave them my old account number which I didn’t have so I am unable to change my direct deposit which is Social Security and due to that I am now homeless and penniless. Current wants me to send them an email from my original email address that I open my account with which had been hacked along with other things and no longer exist. I don’t have access to it only the hacker do. And because you were only able to communicate via email and you’re never addressed by the same person twice it took five days to be told oh sorry. Sorry for the inconvenience yes being homeless is very inconvenient being penniless is even more inconvenient shame on you current bank you call yourself a bank you’re not bank you’re a nightmare Any bank or any kind of company (Uber and Lyft) that has no phone number to call immediately shows the lack of accountability. I guess current is great if you never have an issue. Run don’t walk from this bank. There is no customer service and fox forbid you are unable to get into the app your totally screwed. You can’t even get your balance via a automated system. This bank hahahaha is the worst.

Love current!. I actually enjoy current. My employer pays me on Friday, but with current I get paid on Wednesdays!! I signed up for the current build account and have only had the card 2 months I used it to pay for my gas and some groceries and the following month my credit score went up 26 points!!!! At first I was skeptical but now I actually enjoy current, I’ve never had to call customer service and ask about my money, I’ve never had a late deposit, I’ve never had any issues with the app either. I have been with current almost 2 years and so far so good! The only thing I would have to say negative about them is if your someone who overdrafts a lot you might not like having them because it says overdraft up to $200 without any fees, but you stay at $25 for like 7 months even with the qualifying direct deposits. And then you go up to $75 for another 6-7 months then just keep going up from there. But if you don’t really use overdraft then it shouldn’t be a problem :) other than that current is GREAT to have!!

The BEST bank.. There are sooo many good things I could say about this bank and how smooth it works. If you are hesitate about online banking or hesitate about using current, don’t be.. It is seriously soooo much better than Chime and the other online banks. It works and runs really smoothly. You have a savings option as well. Also a way to send family and friends money through the app. You can of course lock your card so unexpected things cannot charge your card randomly. They give you a physical card and also a virtual card to use for online purchases. My direct deposit from my job comes in 3 and 4 days earlier than any other bank I’ve ever used. You can block unwanted purchases or even block stores from charging your card. For example.. You can block Walmart from charging your card, which means there can be no purchases from in-store or online. And unblocking it is just as simple as blocking it. No hassle. Pretty neat feature. So much more I could talk about but I’ll end it with this. The card is really nice looking as well! 1000% recommend this bank. 👍🏼

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They aren’t a bank, they are thieves !!!!. While I was in the hospital in critical care with COVID and pneumonia hooked up to all kinds of machines and oxygen someone used my physical card and spent over a grand of my money. I sent in proof I was in the hospital. There was no way I spent that money since I couldn’t even get outta my hospital bed by myself. I was denied their card holders protection and they refused to get my money back. I will never use them again. I’m spending the last little bit I have in my account so I can close it and be done with Current. I really hope y’all learn from my experience with them and go somewhere else so your money is safe, because it is NOT safe with Current. Current isn’t a bank, it’s a free for all for thieves to get away with stealing your hard earned money. Also, one of my kids has a card and their own account but linked to mine and they can’t even get to their money because Current won’t set up their account. It says it’s been set up by her already, which it hasn’t!! So she can’t even get to the $300+ she has in her account even though she has her card. They won’t activate her physical card or her online card. So they are holding her money and I doubt she will ever get it back.

Not secure. I downloaded the app based off the recommendation of a mom friend. I have had the app for 2-3 weeks, I’ve been trying to add my bank account with no success, I kept getting a error message saying my bank was having issues. But when I went to add my bank card information it went through with no issue. But it charges a fee to use a bank card as opposed to using a bank account which is free. So I opened a chat to speak to a representative. I told him my issue of not being able to add my bank account. He didn’t seem to understand for the first 10 minutes of the conversation. Then at the end he asked me a second time which bank I was trying to add and when I told him again. He sent me a list of banks and said PNC was not one of the companies they did business with. So I told him I had other accounts with two other banks which were on his list that they did business with and he just left the chat. That made me wanna delete the account and discontinue doing business with them. So I screen recorded the whole conversation and sent in a request to have my account cancelled and the rep had not even read my message and sent an email to ask why I wanted to cancel the account.

Do not get this card…Not worthy. This csrd is. Great dart but if ever you have a problem, there will never be a live agent to speak with you will always be in chat with someone and If there’s ever a dispute, forget about ever seeing your money, Another thing is do not change your phone number because you will be locked out and no matter how many times you contact customer support they will not contact back to let you in. They will send you a email stating a rep will contact you in 24 hours but that never comes. My 24 hours has been 8 days snd counting. Also my entire payroll has been spent snd I have no access to spend my own money so go figure, this is truly baffling me because it begin over a phone number change because I was receiving small withdrawals from my account and even after I blocked this vendor which was not one I used my account was compromised fir my entire payroll . Warning!!! Be aware of the situation and do not attempt to get this card, I’m very upset at this point snd i will advise everyone interested to Beware Of this Service,

Broken and Unprofessional. I have been a Current user for over 2 years now, and have referred multiple people to the service. I regret ever downloading this garbage app and trusting them with the money I work hard for. To start, the app initially launched with an Annual Fee of about $40, which has recently been removed. I have not been compensated for the nearly $100 in Annual Fees i have paid in the last tap years, which is ridiculous. As well as this, once my girlfriend began using the app for her banking, it logged me out of my account and signed me into hers. When I attempt to log out, it simply logs back into hers. I have been trying for multiple days to solve this issue, have spoken to multiple people from support, all to no avail. If i hadn’t kept my old phone from two years ago i would have completely lost access to my bank details. When i asked the support staff for a way to fix this, they blamed me and told me that they did nothing wrong. Excuse me? If i can’t log into my BANK and see MY MONEY, that is YOUR FAULT. This app is a joke. The people who run it are clowns. The people who sponsor it are corporate shills. Don’t waste your time.

Customer Service is Trash. I had to replace my card as my initial one was stolen and they reissued me the same card number, this card is still in a sealed envelope and has not been activated. Current allowed my physical card to be charged even though it had been cancelled and wasn’t activated and overdrafted my account by more than $2000. They have closed my dispute with little to no investigation, and all of the representatives I spoke to all but refused to make it right with insincere apologies and “I understand your disappointment”. It took me over an hour of asking to speak to a supervisor to actually get to one and once I did, they gave more insincere apologies, as a Premium customer ($4.99/mo) you would expect Premium Customer Service and all you get is subpar prepared responses. When I asked for a number to call to actually TALK to someone, I was told that “for the heath and safety” of their employees, they only have email and chat to contact them through, which seems like a get out of actually fixing problems excuse. Current made the mistake and refuses to fix it. There are tons of online banks, use those instead. Use anything but Current.

Ted. Would have been a 5 star review. Except for last year a company called Bolt basically an Uber company got into my account and managed to take over $500 from me. I have never left the United States let alone catch an Uber in Europe. So almost min after min took withdraws out of my account. When I noticed it I shut the card off and called them there was another one to talk to. The call center was closed because of Covid. I was told there was nothing I could do until the pending charges were done. After waiting days I then could file a dispute. I did. Waited over a year checking back now and then. Still no one to call. Only chat! Same thing. They are investigating. Mind you I had already gone on the internet and seen multiple postings about this Bolt EU. Finally after almost two years. I had to call them. Never 1!call or text from them. They tell me it was complete. And I wasn’t getting any money back. Been a great bank since. Some things we never forget .

DO NOT MESS UP. I was somewhat enjoying having the app as a teenager, but it was impossible to do anything without an adult supplying the money. Then once I turned 18 it locked me out until I could provide proper identification. I put in the wrong stuff and they locked me out permanently. I emailed them and they didn’t even respond to my question. I guess they have default responses when it detects certain words because I said ‘information’ maybe twice and the email back was about “sorry you’re concerned with the information we take”. Um, what? Nice to know they don’t read it until the second email. So it took me 2-3 days to figure out I have to find a new application and there was nothing they could do for a mistake——it took less time to receive appointment approval for a mammogram during COVID. You might think, oh can’t you make a new account? No. Never. You can only make an account via the app and you can only sign in with the same details after that so the apps useless on my phone now. In conclusion: Don’t get it as a teenager unless you have someone willing to give you money, DO NOT mess up an ounce of information or you’ll lose everything in your account, and expect your questions to take at least 72 hours for a proper response.

Dont travel with money in current account. If you lose your card while traveling you are out of luck and they will refuse to help you. They will only send to address on file and there is no way to get your cash. Pay $5 for replacement in 7-10 days to address on file or “expedite” for $25! And it still takes 5 or more days for replacement and only to address on file. For a “current” bank they should call themselves “out of date”. With PayPal I can pull my cash out from Walgreens, Walmart, cvs by using the app in case something happens to card I’m not without MY money. The virtual card consistently asks for a pin and the online chat help has no answer or solution. “Run it as credit” they say, did that doesn’t work asks for pin still. SUPPORT WAS ZERO HELP AND ONLY TELLS YOU THEY CAN ORDER CARD TO ADDRESS ON FILE. They can’t help with virtual card, they can’t help with getting your cash, they can’t do anything besides say too bad. My next deposit I am getting replacement card, pulling all cash out, closing this useless account and deleting this app. What a waste of time. Oh I’m stranded over 5 hours away from home with no access to MY MONEY. THANKS FOR NOTHING CURRENT.

Smooth Sailing Now!. I’ve made my Current account & have had it for about 2-3 weeks now. I have the free account to check it out then upgrade it to the monthly payments. I like the layout of the app it’s beautiful, but not user friendly to everyone unless you look up where what is & that’s how you get much insight or just by playing in the app to see what you have. Today I just received my card it’s been a little longer than I expect. They said it would take up to 5-7 business days to receive & it took a little longer than expected. So I had to use the temporary card on my Apple Pay to use it in physical stores. If they don’t take Apple Pay then it was a hassle. I had to download the stores app to be able to purchase (Such as Tropical Smoothie, & Walmart) after that everything was smooth. The only other thing was depositing my money from my other bank account. It took forever & it’s not a good way to transfer money. Such as Cash App. Other than that I’ll see what Current is about now & update later on maybe. Oh & customer service is very nice & helpful they let you know what they can.

Deserves 5Stars. I’ve used this banking app for about 6 years and I’ve never had any problems with it. I don’t pay anything and I have multiple different cards that are nice looking. Having multiple cards is helpful so me and my gf have access to the atm, plus I have a credit card through them as well that helps build credit! I always get my money instantly when doing transfer from other apps and get paid early always! The app layout is super easy to use. The only thing I don’t like which I know they do for my own protection but they only allow $500 to be withdrawn from the Atm daily. I feel like $800 would be more appropriate. The app connects with all other apps like FB, Cashapp, Venmo, Zelle, and even cash advance apps. Also if you get direct deposit they let you overdraft if you need to. I love banking with Current and have had a frat experience with them the past 6/7 years. I always recommend Current to my friends.

Love this card. I have been using current since September and have been really happy with it overall. I did have some issue with one of the cards because my son accidentally signed in with my my admin and that created a big problem that took literally weeks to fix with the current support. Besides that issue my 3 kids really are learning to both save and spend which overall is teaching some valuable lessons. I do wish the chores function worked better to be able to make edits and have both admins see the chores created by the other parent. I also would like to have a card for the parents and be able to see their account like the kids because adults do chores and get allowances too! Lastly, the parents should have the ability to transfer back to the funding source without to make a cash withdraw and deposit back manually with fees. These are my wishes but really a great idea and is literally for all kids.

5-Star across the board!. ⭐⭐⭐⭐⭐ I’ve been a loyal customer of Current for several months now, and I can confidently say it's one of the best banking experiences I've had. The app's interface is sleek and intuitive, making it effortless to manage my finances, track spending, and set savings goals. What truly sets Current apart is their exceptional customer service. Every time I've had a question or encountered an issue, their support team has been incredibly responsive and efficient in resolving it. Whether it's through live chat or email, I've always felt heard and valued as a customer. Additionally, I opted for their premium membership, and the perks and benefits have exceeded my expectations. From cashback rewards to fee-free ATM withdrawals, it's clear that Current prioritizes adding value to their customers' experience. Furthermore, I appreciate how Current is continuously innovating and adding new features to improve their services. Whether it's integrating with popular financial management tools or introducing new ways to save and invest, they're always striving to enhance the user experience. Overall, I can't recommend Current enough. It has become an indispensable part of my financial routine, and I'm grateful for the peace of mind and convenience it provides. If you're looking for a modern banking solution with excellent customer service, look no further than Current.

Lost my account. I had received a grant from my college…they tried depositing it via direct deposit but they couldn’t deposit it so I was sent a check…I deposited the check Monday evening, Tuesday I check my email around the same time to find that my check was denied due to it not being accepted at current which is fine it’s whatever…and then I check my bank and it says there is a temporary suspension on my account? I then check my email further and find out that about 6 hours before they even looked at my check, they investigated and decided to close down my account and said I will not be receiving the money that was left in it…I understand the check was for a fairly big amount so it could be flagged but to not be reached out to about it from anyone at current and be told my account is being shut down, I’m not allowed to have my money, and that legal action could be taken???? I’m literally just a college student and if at any point they would have contacted me I would have given them emails and contacts to get in touch with my school…Current is lucky I’m stopping at a review and not legal action

I don’t really write reviews ever I want to but I never get around to it. I really wanted to change banks I really didn’t like or trust Ponce Bank (never even heard of it) I walked out of planet fitness pretty upset bc my PayPal account wasn’t working and I needed a legit bank so Ponce Bank was the first bank I saw so I made an account and have been wanting to switch banks ASAP (I couldn’t even link my Ponce Bank to my Apple Pay) They are dated.. soooooo, I signed up for Current and they put me on the waiting list…..and then one day I open the app… and it was suddenly working!! I was in there finally, and I love the set up I love the design of the app itself it’s very easy to read & move around and it’s super pretty…..my favorite color is purple… so all in all so far this is probably the one of the best online banks I have ever used it’s a WINNER! A Win-Win situation….. I recommend it. -Britnijade

Do not get it!!!!. Get ready because your about to hear a long story as to why I gave this app and a very generous one star. Least start off by saying at first it was fine when using the teen account when my parent would send me money if your only going to use it for that your fine. But DO NOT i repeat DO NOT use it for direct deposit ITS TERRIBLE. I put money on my card and noticed that it was not showing up on my spending balance so I contact the support people. Mind you THEY HAVE NO PHONE LINE. It’s all through text. And they tell me that on their end it’s showing up that I have money on there. I explain to them I can’t purchase anything because it’s saying my balance is zero. they couldn’t do anything for me so I had to wait 3-4 DAYS. Thankfully it came but not in a timely manner. So I have them a second chance. I used direct deposit I got paid two days ago with still nothing in my account I gave them some time because Veterans Day was the other day. But today I decided to contact them to see what’s going on after 15 mins she tells me that my money arrived in another account HOW IN THE WORLD DID MY MONEY ARRIVE IN ANOTHER ACCOUNT. I only have one account so what other account is there.......... and that’s why you should NOT USE CURRENT FOR ANY DIRECT DEPOSITS OR ADDING MONEY

Review. This app has the potential to be great. I signed up 30 days ago. I had to wait the full 30 days before I could sign up my 2nd kid. There should definitely be a way to bypass the trial period if you want to pay for additional kids. The chores option is awesome, love it. I’m also able to transfer money instantly, great! However, the communication so far for me is 2-stars. It’s peoples money being managed, the communication should be much better. My first email inquiry, I got a response 2 weeks later. My second issue that I’m trying to resolve, I tried the chat, no one comes on. Then when they responded by email they just gave me a generic response that had nothing to do with the issue I was having. Would like to continue with app, but I won’t if I can’t communicate when there are issues. Update: Bumping my review up to four stars! I finally got some help and got certain issues resolved! The features in the app are perfect, but I really hope the communication improves, then I would definitely give 5 stars. I can say the person who helped the final time was nice and very knowledgeable!

Don’t use this app. I’ve been banking with current for a little over a year, and everything was going fine until I had an unauthorized charge on my account. So I file a dispute and the app says disputes typically take 90 days to process but you could get processed faster than that. I wait the full 90 days still no response I wait 2 weeks after, then 3, then 7, now here we are 12 weeks after the original 90 days of waiting for my dispute response. I contact customer support several times within these 12 weeks of waiting after my initial 90 days was over and all they keep saying is “we are sorry that it is taking longer than expected but you will hear from our dispute team with an update soon” so I ask them “what’s the dispute teams phone number or email?” And they all say the same thing “the dispute department doesn’t have an email or phone number so you can’t contact them” but if I’m suppose to receive an email from the dispute team with an update on my dispute why is there no email I can contact them and ask questions. The customer service is pure trash and I will be closing my account once I hear back from the dispute team.

Customer Service. The chat feature is very slow, instead of offering a notification when an agent has entered your chat, they just move on to the next person with no regard as to how long you were waiting. When you call in personally, they say the wait time is 6 minutes but yet you wait on the phone 18+ minutes just for them to come to the phone and say “Current is experiencing extremely high call volume, you can visit us in app” then they disconnect the phone with no regards for the wait time. Then when you add funds from your debit card they’re only available instantly when you do it from the tab located under account, if you select the option from the main screen it’s says pending for however long. I’m extremely dissatisfied. *2nd update* I was trying to send money to someone using cash app, but yet my card number came back invalid... so I tried to login to my account and see what the issue was.. but yet I was hit with a “your account is under review for abnormal activity 0and someone will reach out to you when the review is completed” and of course customer service is not available right now, so I’m SOL with no access to MY money. I’m high irritated and dissatisfied.

Best thing ever for kids that love video games and teens!. I have two teenage daughters and a 10 year old with autism . I started with just getting a card for my oldest because she’s 16 and driving and it ma easy way for her to have her own money but then I got my other two kids one because they play all those internet games and I hate giving them my credit card because they save the card and buy all kinds of stuff. So now they have their own card and they have to earn money for it . Rolblox is expensive . 😫. They can use it for stuff at the store and everything and I don’t have to worry about reoccurring charges all the time . Only thing I would change is that it takes like 2-3 days sometimes for it to go through so if they needed money fast than u have to keep money on your account just in case . But it’s not so bad . Other than that I totally love the card and my sister and friend got the same thing for their kids . Great idea wish I would have thought of it :)

If I could give them zeros stars I would. Someone got my card info spent my money I was locked out of the app because I didn’t have the same number once I got I noticed I kept Loosing money someone kept spending it sending it to someone else on Facebook current “investigating” it, I was told of The investigation takes more than 10 days they would give me provisional credits than they said 15 days now they keep saying they’re sending my request over to the dispute team they’ve been saying this since the 11th day the dispute team never responds no one can never find a supervisor the whole bank is unprofessional never will I trust a bank with a supervisor I can’t even meet in person let Alone email or have a phone call with it’s ridiculous I hate it once the 15th is up I’ll be going to chase my wife has Bank of America they’re strict on security I asked them to cancel the charges while they were pending and didn’t it’s truly annoying it’s like they have a script they say to everyone this is the worst bank ever I was better off going ti green dot even varo save yourself time go somewhere else where they actually have Real supervisors and people that take security on your behalf serious…..

So far, so good. I was skeptical about Current at first because when I reached out to their customer service, the representative was very rude and didn’t answer my question so I left the chat. I decided to still give it a chance and set up my direct deposit. I received my first direct deposit from my second job today and it wasn’t deposited until 11:30AM. I was happy that I got paid two days early but I wasn’t happy about the late deposit. Nevertheless, the good part about Current is the fact that they send you balance updates when you make a purchase. The updates include the amount you spent and the remaining balance on your card. I also like that you can tap your card to pay. That’s a pretty cool, fast, and efficient feature as well. So far, I haven’t had any major issues with Current. I gave them 3 stars because of the late deposit and the rude customer service rep. I may come back and update my review over time if positive changes occur. So, as of now I would say give it a try. If you’re a skeptical and untrusting person like myself, you can take my review as a guidance for making the decision to create a bank account.

Like/dislike!!. I absolutely love current.! It’s just a few things I probably hate. (1). how when I first enrolled and set up direct deposit and referred someone for current as well and they also set up direct deposit and is currently using “Current” as well neither one of us EVER RECEIVED OUR $50 CASH BONUS as we should have! (2). Is the overdraft protection it was suppose to be $200 overdraft but obviously that was a lie. We started off receiving $25 overdraft and YOU can’t withdraw at an ATM. We got to get SOO many direct deposits to even get OUR overdraft boosted up..thumbs down! (3). Is how I get charged like $5.00 every month just for banking through YALL?!?! I never read anything about that when I first started banking w/ YALL?!?! And it’s a few other issues/things I dislike I just can’t think of right now…but other than all that! I definitely like banking with Current!! I haven’t yet to be disappointed on anything big minus my small concerns/issues..IJS❤️❤️

Perfect. I got two cards for my niece and nephew as a Christmas gift. I did it as a way to send them a little money each month for allowance to help my sister out while she was going to school. My sister was also able to add herself as a parent. It took a little bit of time because the security feature for adding another adult to the count was a part of the process. I’d choose security over convenience any day. I was surprised by the fact that the kids actually watch their money and spending habits better with the card then when they had cash in hand. My sister actually loves it more than the kids do and she tells everybody about it. The cards gives peace of mind because you can easily transfer the money in an emergency or transfer money out. You’re able to view all the spending that goes in and out of the kids accounts. They also realized for the first time that when you use cards or checks or other items of payment there is an actual connection to real money. These items don’t offer unlimited access to money sources. They both have become pretty frugal since getting the cards. When they go out to dinner with their friends, they order water or off the children’s menu sometimes if they’re not very hungry. Even more importantly they started paying attention to the cost of what they choose from the menu when they’re out with their mom or dad or grandparents who are on a limited budget. 👍👍

Waste of time. This app has waiting times on top of waiting times and more hoops for you to jump through to access your money! Deposited a check and the “date available” date keeps changing and of course you can’t just call and speak to someone about it so you have to chat with someone who is anything but helpful, even came off as rude! I thought this would be a good service to use as it’s just to hold “extra” spending money and online shop with this card but if you can you’re better off banking with a REAL bank or heck, even cashing checks at Walmart is better than this! I have no idea where the 4.7 star rating comes from, because if I could I wouldn’t have even given it a 1 star. Bottom line, waste of time and money because they are sure quick to take the “service” fee they charge to provide you with everything except service…just a whole lot of stress and frustration!

Because it’s Shady at best. If you currently have Current don’t let your info get compromised. I have been waiting 6 weeks to get a new card and they keep reordering me one instead of pulling their heads out of their fourth point of contact to get me a tracking number. I have lobbied a complaint with the Attorney General and the Better Business Bureau. They do not have a customer service line you can call and talk to people who aren’t on the other side of a screen typing messages to you. They can barely get you an answer for any thing. So I attached screenshots admitting they sent me something that they “can’t track because they don’t have the feature.” I called the other company who is supposed to deliver the package and they can’t help me. Not everywhere accepts Apple Pay or some virtual card payment so now I have no access to money I need to live my day to day life. HOMELESS and STRUGGLING, THANKS CURRENT.

customer service is a joke. customer service refuses to be of any help, is not transparent about the mobile check deposit process at all. I deposited a check on 10/04 at 9:41 am. They told me it can take 3-5 business days to be completed. Fine, whatever I did not need it until today anyway. I was also told if I deposit the check before 5 pm that it will begin processing same day. Now they are telling me that the check will not be processed until 10/11. completely messing up my entire week of bills that need to be paid. I've reached out and spoken to 4 different reps one of which was a supervisor and none of them have been helpful. They are very unprofessional when they speak to you. One of them, Neil, told me i "should've deposited earlier" and that was his only piece of advice for me. I work in customer service, so I try to be understanding and stay cordial even when the outcome is less than favorable for me, but this is just ridiculous. I have never had a heck held for this length of time before. If you are someone with a tight budget like myself who literally cannot afford to have a check be late like this DO NOT USE CURRENT. The amount of stress I am under now because my bills cannot be paid is immeasurable.

Where is my money ??. I have about had enough with this app I frequently stay at a hotel which requires a $50 deposit upon leaving the hotel, Originally when I started using Current everything was perfect. The money went straight back to my account the day I left the hotel at midnight now I’m lucky if I get it 30 days later and I beg and plead and send proof over and over and emails and constantly contact support to no avail, who keep telling me to contact the merchant and ask them what to do but the merchant released it so you all are sitting on my money collecting interest on it or whatever you’re doing for no good reason I don’t have money like that to just sit around while you all just let it fall off the card if You’ve got extra money like that then you can use this card but if you don’t and you are like me and you’re poor, forget it you’re in trouble you’ll starve to death while you wait 30 days or whenever it decides to fall off your account. I don’t. I can’t afford that most people can’t these days. So if you want your money held hostage for undetermined length of time this is the card for you

I love it! So far so good!. It empowers my teen twin sons in spending decisions based on their account balance instead of mine! They don’t have to ask me for money anymore, they get their weekly allowance automatically! I love the chore section! I can get them to do their chores faster! They can see the chore payment set up and they know the funds won’t be released until they complete their chore! You wouldn’t believe how much faster they move to get their chore completed lol (love it! ). Plus it teaches them how to bank, which these teens needs to learn before they become adults and make bad spending choices. They can save and puts money in their savings account. The giving account is wonderful. Teens needs to master the art of selflessness! I love this app so far so good. The yearly fee is affordable and worth it! A few things that are confusing however, when I set up an allowance, once it’s posted, the allowance I set resets and I’m confused as to if I need to reset. In the confusion, I set the allowance three times and now three payments were made when I only meant to set one allowance weekly.

DO NOT DOWNLOAD. I downloaded current about 5 days ago and all i did was set up the account and was waiting for the card to arrive to my house. i did not change my bank information on my job file because i wasn’t going to have the card in my possession, therefore i wasn’t going to have my check. as i was reading more reviews about this app i decided to deactivate my current account because i did not think it was worth having since i use a credit union i already get paid two days earlier. fast forward today (thursday the 8th) i haven’t received my check so i go into my jobs website to check my personal information and my bank account was updated to their bank! i did NOT do this, i knew i wasn’t gonna have the card so i didn’t update the information on my jobs website. now as i’m trying to log into my current account it says my account is deactivated and to concuss customer support to resolve whatever issue they have. i don’t know if i’m gonna be able to get my money back from this account, if it’s locked in there? i’m not sure what’s going to happen. mind you this is a full two weeks with of my check & i was really needing it:( . please do not download current, it’s a big scam 😭

App tells your that your account is suspended due to fraudulent activity. I ordered this service for my 3 teens. My younger teens were able to download the app, log in, and get started. My oldest son got a message immediately when he downloaded the app and tried to set up an account, that his account was suspended due to suspicious activity. He emailed customer support and it has now been several days with no response. I went ahead and activated his card tonight from the parent portal. Signed out, thinking that maybe it was his phone causing the issue, and now I’m locked out with the same message. The app won’t even let me put my phone number in, I just keep getting the message that my account is suspended due to suspicious activity—but yet, I can even put my phone number in to attempt to log in again. I went the website, and it just directs you back to download the app to your phone. So there is no way to get access from a desktop either. So now, I cannot see, not transfer money to my other two kids until this is resolved. Looking for a different company now to go through. I’ll be spending $5 a month and I plus one of my kids have zero access to our accounts. No bueno!

More than 1 week to get money. I set up the card, requested transfer of money into my “primary” account on 11/6. It is 11/13 and it still has not been deposited. I set up allowances for Friday, it got deposited Tuesday. Granted Monday was a holiday but i thought she would get the money Friday. I called customer service about the initial deposit, she said they put a 5 day hold before the money gets deposited! What?! What happened to instant transfer. She said once the money is in my account, i can instantly transfer to my daughter. So i basically have to predict 1 week in advance what my daughter may need or keep a reserve in my primary account. That is not what was advertised. Then she said once i pay the annual fee, transfers would be instant! Wouldn’t it better to show how well it works so people actually want to continue with the card. As opposed to making us a wait a week to get a transfer and wanting to cancel the card before the 30 day trial is even over? Il very tempted to cancel this trial period. Update: finally got the money in my account. I tried to transfer the amount into my daughters account and it said insufficient funds?!?! Getting VeRy frustrated.

THIS APP IS ABSOLUTELY TERRIBLE!. I wouldn’t even recommend this app even if someone held me hostage and forced me to. I never wanted to cuss out a customer service agent so bad. They are clueless and can’t do anything and clearly don’t know how to communicate with customers or each other. They give you a virtual card to use while your waiting on your physical one to arrive in the mail..what they don’t tell you is that you can’t even use it!!!! I tried to use my virtual card with the Apple Pay feature and it didn’t even work. I contacted customer support asking them if the virtual card works at any stores that accept Apple Pay and they told me that I can use my virtual card at any store I can have to accept “credit” instead of “debit” since my virtual card doesn’t have a pin. IT DID NOT WORK. Then I talk to someone else and they tell me that my virtual card is only accepted by merchants who accept virtual cards...after I just tried to use Apple Pay, with a merchant, WHO ACCEPTS VIRTUAL CARDS. I was so over it completely. THIS BANK WON’T LET YOU DO ANYTHING WITHOUT YOUR PHYSICAL CARD. Mind you I ordered my card 7 days ago..and it’s still not here. This bank restricts you of YOUR MONEY. I am not able to access it in any way all because I don’t have the actual physical card. THIS APP IS A COMPLETE WASTE OF TIME. USE AT YOUR OWN RISK!

Way better options. Update: response from developer is that checks may take 3-5 business days to clear. I understand the policy. I don’t understand why it takes them 3-5 times longer than every other bank I’ve ever dealt with either professionally or personally. I’ve banked with Simple for yrs but recently found out they would be closing. I found Current and thought it would be similar to Simple and set up an acct. I added money to my Current acct from my Simple acct which took around 5-6 days for the funds to be available for me to use. I then tried to use the photo check deposit. It took 4 days, 6 if you count the wknd, for my funds to become available to use. I don’t have the option to use direct deposit, because I work for a small business that doesn’t offer it as an option. Never in my life have I ever used or heard of a bank taking this long to make funds from a deposited check available for use. With Simple if I had my photo check deposit submitted before 4:00pm on Friday, my funds were available by 2:00am on Saturday. I guess the point of this is if you don’t mind waiting a week to have deposited funds available for use then this is the bank for you.

Horrible Customer Service. I have been locked out of my account for over a month, they say 24/7 chat availability but what good is that if your locked out of the app, I have sent multiple emails and have received zero helpful assistance, I have had no issues until now but since this has happened it’s cost me a large sum of money so that being said I would highly recommend a bank that you can contact atleast by phone and speak to a real customer service rep. Rather than Current’s automated call center and faulty mobile app as well as extremely slow and embarrassingly poor customer service assistance for a so called “Bank!” I’m not one to complain but I rely on my checks weekly and when you have no access to control your funds for this long and no shown actions to assist your customer with a crucial issue, I felt the need to alert others that it’s obvious you have no concern for your customer’s needs, especially a “Choice Card Holder” You would think paying the extra for the better checking account might help get quicker assistance or any assistance period! I will absolutely be closing my primary account and will make sure to inform anyone interested in Current to look elsewhere for a more reliable banking option!

0 if it were an option. I got this bank for my first job and I was a minor, since I’ve turned 18 I cannot get it changed. I have tried everything. I get told by support “it’s as simple as having your parent message us requesting to cancel it” so I send her and then she gets told I can’t cancel my account I have to creat a whole new one if I don’t want her to see and control all my transactions. I don’t live with my mom, I moved out when I was 17 and I have my own house I pay my own bills I do adult things. I needed my bank statement for something important and couldn’t even access it because of still having a teen account. It was 2:00 when I realized I couldn’t access my bank statement and I still had to go to cvs and print it and bring it to where I was going and the place I was going closed at 4?! I had to call my mom to go looking through my account just to try and find my bank statement and that wouldn’t even work because it was from her account it said her name on it and her address but it was my bank statement! There should really be a number to call because the test support doesn’t actually ever help!!!

Worst Bank I have ever used. I have been using current for a while now as well as my wife. I have cancer and have been battling it ever since 2020 and we got a check from an amazing non profit called ink against cancer to pay for my treatment. We are now on the 4th business day and the funds are still not on my account and I am not able to get my treatment now because of it. The funds show deposited as of this morning and current is still saying its not available. I’m have spoken with multiple agents through the app trying to speak with a supervisor and no one would get me one. I also asked to be contacted on Monday and come to find out no one submitted my request and it’s now Wednesday. Both me and their bank have tried to get ahold of someone through current and haven’t been able to since this whole thing started. We got this account because we heard so many good things but with our experience the customer service has been terrible and no one has been able to help me or contact me yet. If you are looking for a mobile bank I would go with another company. I wanted to love this bank so much but I’m sticking to a normal credit union from now on once this whole thing is resolved.

It’s really 0 stars. Never again. So, when a customer makes a mobile deposit and Current accepts it a little ‘i’ shows up next to it. If one taps on the ‘i’ one is told “It can take 5 business days for a deposit to settle. Most will be available in 1-2 days.” According to the customer service rep I just spoke to, that last sentence is a lie. The first ‘business day’ is a full 24 hours after the check has been initiated in their system. Most people would expect the First business day to start directly after the check is accepted, not a full day later. I have never, not a single time, had a mobile deposit clear before the 5th business day. Who has time to wait 5 days, and not even 5 regular days (except Sunday of course) but “business days” for their money?? The check I am currently waiting on is from the IRS. If Current accepts a check, it should ‘initiate’ it right away. Definitely will be going back to a physical bank as soon as this last deposit clears.

Best Bank Ever. To start off, I receive my paycheck two days earlier than my colleagues, which is a fantastic perk. The processing time for checks is impressively quick, and returns are promptly credited back to my card within the same day. After maintaining a trustworthy account for a few months, I was granted a $200 overdraft coverage as a safety net. What's even more rewarding is that I accumulate points while shopping, which eventually convert into actual money. Once, out of the blue, I received $10 in rewards. I appreciate the flexibility to allocate funds into various savings categories, complete with visuals and motivational quotes. Transferring between these accounts and my checking account is seamless. The bank also offers trading options, including bitcoin. An exciting addition is their newly introduced Current credit card, which I'm eagerly looking forward to exploring. Without a doubt, I'm thrilled with my decision to bank with Current!

Banking for the people. I’ve had this bank since they’ve started and it’s been amazing ever since I deposited my first check they’ve always given me my check 2 to 3 days early. Anytime I have an issue I always get to talk to a representative through live chat no matter what time it is and they always know what they’re doing. For example, I had a charge on my card from a gas station. I have never been to before I contacted current support and within an hour or two they had disputed the charge and gave me my money back. They recently made the premium checking account free, and when they did, so they refunded my money that I had been paying for the premium account!! They also give you a free overdraft, which comes in handy more often than not I absolutely love current!! if I had to say one thing that they need to do/change. Is just becoming a more legitimate bank.

Eric W.. The Customer service and the Dispute department process is very disappointing. There’s no one to actually talk too to help with account on the spot, you have to wait for them to respond on their time. And when they do, they send a whole list of things you have to provide that don’t even pertain to your account. My account was recently Hacked, and provided Current with all the information they required to prove I couldn’t be at 2 places at the same time how my account was compromised. Their response was sorry for your loss and their system does not show any fraudulent activity. So called the businesses where the fraudulent activity occurred and they noticed it was clearly fraudulent activity how the individuals were going to multiple stores of the same business in a whole different city draining out my account. $600 gone within a hour. And here I’m 400 miles on the opposite end eating dinner at a restaurant at the same time. But current stuck to saying they didn’t recognize that part in their system, when I clearly had the transactional receipts. And here I thought the customers are FDIC INSURED. The bank is a joke, it is gateway to be hacked, and they don’t value the customer!!! Smh

Current steals your money. Beware current will steal your money and change your bank statements to make it look like they didn’t. This is the second time I’ve dealt with it. The first time I thought I wasn’t paying attention to my balance but I still know my money disappeared and this time I have proof that they did steal my money and they changed my bank statements to back them up. Current is literally so low down for that. Support didn’t help. They sent me my bank statements and I told him those bank statements are not true that current is stealing my money. I keep up with my money and this is really unbelievable. This is not a real bank. Take your business somewhere legit cause these are fraudulent scammers. Btw current if you read this, don’t think you can get away with stealing my $30. Cause now I will use your $150 overdraft and never pay it back. That account will remain open until the day I die. But I won’t use it. I’m taking my business to another bank. So jokes on y’all.

Virtual card -current. I’d like to say that the virtual card feature that current allows you to enable while you wait 400 years for your actual card in the mail , is dang near USELESS!!! I opened this account to get $50 from a promo that states all I had to do was open the account & add $25 to it in order to receive the $50. I open the account. I use cash app to transfer the money INTO the account through the virtual card and it worked fine. Then a day later when I went to add the & back to my cash app the transaction kept declining. This was because current requires that you use a physical card to add money to cash app or even to send $ current account to current account . I’ve never had an issue with a virtual card not acting as a regular card with any other bank . It’s pretty ridiculous. My $ is basically stuck til I get my real card in the mail. SMH. Hopefully they honor the $50 promo but I haven’t seen that yet and wouldn’t be surprised but it’s crazy the card worked fine for me to add the $. But not to take it away.

I like it. App works great, features of the account are amazing but i could deal with some extras. I understand that there is an internal algorithm that determines how much one can overdraft their card but i have seen some people that make less and overdraft more often and they are sitting at $100 available to overdraft in a matter of months whereas i rarely do so and have had the account longer yet am still stuck at a lower amount. Personally i think there should be a publicly accessible chart on how to get to a certain amount. Then there is the pay times. I know that i have to wait till my job sends out the info for my check and then it has to be filtered by the federal reserve, but it would be nice if it had a set time/day that my money was to be on my card as opposed to a 3 1/2 day time frame, excluding holidays and weekends. Lastly it would help if i could have a second physical card as my phone’s NFC chip is broken and i cant utilize tap to pay until i get a new phone so the virtual card is of zero use to me but i have transactions i need to reverse and cant be without my money for 2+ weeks and cant carry cash due to my job and the dangers at work (I work armed security). If i had the ability to have a new card issued to me and sent out BEFORE i cancel my old card so i can keep access to my money during the process. Other than that, the card is amazing as is the account. I recommend it to a lot of people and get a smile when i see others with the same card as me.

Love It. I love this Current online banking. It so wonderful and simple to use. There customer service can be a little better then it is now. I love how they have they Credit Card builder. I have a idea for current you have to much rules for the spot me where you need to have a deposit and current with lend you the money and then take if from your check. I get more the $2,000+ a month and I am not even offered the spot me (lend) up to $100-$200. Please fix that. Another idea I have for current, you guys should start doing insecure and secure Credit Cards, and also loans. You guys are pretty much there. Another idea is as current customers we should have a better and have access to a Web banking not just Mobile banking. I wanna be able to log in my account. There many times that I forgot my phone, but had a computer at work but can’t log in became it a mobile platform. Other then that Current been good to me. 5 stars all the way.

Don’t Waste Your Time.. If you want to have someone steal money from you through card fraud and have Current give you back the money and then take it back months later causing your account to be in debt because they all of a sudden decided there was no proof then this online bank is for you. If you would like to form a dispute with credible proof of scam tactics and it take months for them to dispute it even after the date they said it would be done then this online bank is for you. If you would like to have to wait in a hold without even being able to call anyone just talk to people on the app and have people close the conversation without getting you your help then this online bank is for you. Do you see where I am going with this? Do not let them try to butter you up with how much they seek to have to offer. It’s all fun until it gets down to the nitty gritty in which case they are very unreliable and have barely any communication skills. Your better off just getting Chime. I’m going to a brick and mortar bank, preferably Chase, so that I can have easy access to help whenever I need it and I can account for everything that I have. Don’t Waste Your Time. ✨🕊

Love Current. I LOVE current someone hacked my card numbers probably online and it was used in Texas Florida 2 charges like a day apart and then having great customer service and common sense said deny BOTH charges she’s not in 2 places at once and DENIED THEM FOR ME! EXPENSIVE purchases also. THEN preceded to call me the next day explain everything to me told me they KNEW it wasn’t me bc of where I make purchases anyways. I have purchases only verified to go through I’m my state bc I don’t travel and a neighboring state bc all my family is there if a purchase is tried ANYWHERE else it’s declined. AND if I go on vacation I call and let them know so they Can unlock my card for that area for the amount of time I need them too and we set up a password so they know it’s me! Them going out of their way to do all of that for me AMAZED me and I will never go to another bank. Esp with the credit building card they just released, I LOVE current!!

I still am suspended and I haven’t even used it.. I haven’t used the app fully or even at all all because I tried to make a new account for someone else on my phone and it wouldn’t let us and when I tried to sign in, it suspended me for suspicious activity. I STILL SEE YOU HAVING SOCIAL MEDIA INFLUENCERS GETTING SPONSORED TO ADVERTISE THIS WHEN YOU CANT EVEN RESPOND TO SIMPLE EMAILS OR DO ANYTHING TO HELP! You send generic emails that are all the same. Get customer service because a coffee shop and literally every other bank card has this figured out 100x better. I barely signed in for more than maybe a total of 5 minutes of use at most and “suspicious activity” is something a robot decided because I tried to make a new account for someone else on the same device! I still have your physical card too! Can’t use it. I’m sick of seeing the app on my phone and not ever getting an email response. Don’t bother using current. Read the reviews where people have no customer service because I rarely complain about anything let alone apps you can delete. I haven’t spent a dime or entered a dime into this account and I’m here to tell you to look elsewhere unless they can provide simple service.

Dope. Also love the color scheme.. I love current so far. At first I was skeptical when I first signed up only because I didn’t know if my money from my direct deposit was going to be loaded on my card on time or not since I was switching from another bank. Customer service is only available on weekdays from 9am-6pm which would be inconvenient if you stumbled across an issue on the weekend. Anyway I kept calling and they kept saying they don’t know anything until payday but eventually my money was loaded two days earlier on my regular white card. My premium black card didn’t even arrive yet but was still able to use all the benefits! Also I love the color scheme lol. I love pink I think it’s dope to have a colorful bank card instead of the boring originals out there. I would actually prefer to use the regular white card white then colorful outer rings over the premium black one. But that’s just me. If you want to chose a direct deposit card and don’t want a real bank for personal reasons. I suggest current! They’re dope.

THEFT. this service is ridiculous. my roommate “banks” with them and owed me money a couple months ago, she sent me the money from her bank account and current added my card to her account without any authorization. i have all my accounts at another bank and have NEVER banked with them or even heard of them. well fast forward a couple months after she sent me the money, every charge she was making with her card was coming out of mine. i had 300 dollars taken from me. we called current bank to ask what was going on and they said they had been having this issue and then said they’d fix it. they then had the audacity to ask if i wanted to bank with them after they essentially stole my card information ?? we said no and then told them we were going to be removing all the funds and banking somewhere else and then to NOT put her card on hold. 20 minutes later they call to confirm with us we wanted to put the card on hold, we then said for the second time we DIDNT want the card on hold and then the next day find out they put the card on hold anyways. this is an awful service and you are better off banking with a real bank.

Current is really the Goat. I've had CURRENT since it rolled out and to this day I have had 0 issues or negative experiences. The CURRENT app is loaded with all the modern banking features and tools one needs to have full access and management to your money at any moment. Direct deposits and external bank transfers are almost always posted to your account the same day, you can create different pods and transfer money to these pods, you cant set different budgets and view your spending activity and insights all in one place. I currently also can't with chase but CURRENT has become my primary choice and default banking. I barely use my chase account anymore. CURRENT most definitely puts an end to the traditional boring way of banking and replaces it with a fresh, modern, fun, and flexible banking experience. It's a better way of banking, a different way of banking, and it's my CURRENT way of banking. Get yourself a CURRENT account, start banking smartly and modernly 😊😍🥇🏦💜❤️

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Current: The Future of Banking 6.24.0 Tips, Tricks, Cheats and Rules

What do you think of the Current: The Future of Banking app? Can you share your complaints, experiences, or thoughts about the application with Finco Services, Inc. and other users?

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Current: The Future of Banking 6.24.0 Apps Screenshots & Images

Current: The Future of Banking iphone, ipad, apple watch and apple tv screenshot images, pictures.

Language English
Price Free
Adult Rating 4+ years and older
Current Version 6.24.0
Play Store com.current.currentapp
Compatibility iOS 15.0 or later

Current: The Future of Banking (Versiyon 6.24.0) Install & Download

The application Current: The Future of Banking was published in the category Finance on 05 April 2016, Tuesday and was developed by Finco Services, Inc. [Developer ID: 1077366210]. This program file size is 113.34 MB. This app has been rated by 148,176 users and has a rating of 4.7 out of 5. Current: The Future of Banking - Finance app posted on 12 February 2024, Monday current version is 6.24.0 and works well on iOS 15.0 and higher versions. Google Play ID: com.current.currentapp. Languages supported by the app:

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Find on this site the customer service details of Current: The Future of Banking. Besides contact details, the page also offers a brief overview of the digital toy company.

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