Current Checking Account is a simple, fee-friendly checking option built around everyday banking without many of the costs associated with traditional checking accounts.
There is no monthly fee and no minimum deposit required to open an account. Members also have access to more than 47,000 ATMs nationwide, although fees may apply when using certain out-of-network ATMs.
Current also offers early access to eligible direct deposits. Depending on when Current receives the payment information from your payer, your paycheck may be available up to two days before its scheduled payment date.
Eligible members can also use Current's fee-free overdraft program, which can allow overdrafts of up to $200 without an overdraft fee. Eligibility applies, and members may need to qualify and work their way up to the maximum limit.
New customers may also be eligible for a sign-up bonus of up to $350, depending on the current offer and qualification requirements.
Current may be particularly appealing to someone who wants a straightforward digital checking account with no monthly fee, early paycheck access and a more forgiving approach to overdrafts.
Highlights
No monthly fee
No minimum deposit required to open an account
Get paid up to two days early with eligible direct deposit
Access 47,000+ ATMs nationwide
Eligible members can overdraft fee-free up to $200
New customers may qualify for a bonus of up to $350
24/7 phone customer service
About Current
WalletPal's take Current stands out for making everyday checking simple and inexpensive. There is no monthly fee or minimum opening deposit, and features like early direct deposit and qualifying fee-free overdraft coverage can be particularly useful for customers who primarily manage their money digitally. The biggest distinction to understand is that Chime itself is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
WalletPal may receive compensation from some financial companies featured on our site. Compensation does not determine how WalletPal evaluates or presents an offer. Current is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Early access to direct deposit depends on when Current receives the payment file from the payer and may be up to two days early. Overdraft eligibility and limits vary. Out-of-network ATM and other transaction fees may apply. Bonus offers, features, fees and eligibility requirements may change. See Current for current terms and complete eligibility requirements.