70
fair

Current - Modern Banking | unitQ Score

The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
7 Points Past 7 Days
Category: Finance
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30-Day Trend
 
Poor
 
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Epic
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Android unitQ Score
Android User Feedback
69%
Android
300 Reports
iOS unitQ Score
iOS User Feedback
31%
iOS
137 Reports
User Feedback
31%
iOS
137 Reports
69%
Android
300 Reports
Current - Modern Banking - Latest Quality Issues
Android
Nov 28, 2022
Three stars because I have been unable to access my account for over a month and I'm getting no support or help Whatsoever! I have money and crypto in my account and cannot access it. I have corresponded through email several times to no avail. Be careful If you invest with this platform!!!
Android
Nov 28, 2022
It's a scam to reach a peso and won't let me redeem it
Android
Nov 29, 2022
I been waiting for a year to hear back from someone to open an account. Don't waste your time. I wish i could give zero stars
Android
Nov 29, 2022
It was easy setup I love the overdraft protection I do enjoy getting my direct deposit early but there have been quite a few problems with my information somehow being leaked and my cards and account being charged when I haven't made purchases and there hasn't been any headway in fixing those problems.
Android
Nov 29, 2022
Use Current and get paid up to 2 days faster! Sure. However, if you're in a bind and absolutely need more than 2k for a purchase? You'll be denied, as their 2k spending limit is absolute. NAME_REMOVED card. NAME_REMOVED recommend for an adult checking account.
iOS
Nov 29, 2022
Please do not !!!!
They shut my card down because the representative was too impatient to thoroughly listen to my concern. I've been waiting two months for a replacement that was never sent I paid for it and now I'm paying for my second replacement card. They will blame you for their mistakes every time it's ridiculous. You can't even speak to someone on the phone. This is not a good bank at all they are scam artist Why do I have to come out of pocket 40$ due to their team's incompetence
Android
Nov 30, 2022
My account has been under review for at least 6 mths. Someone stole my card and made unauthorized transactions and I can't even get on app to report card stolen or even dispute the transactions. I can't even get my account or routing number to close account and switch my direct deposit to another bank. Very dissatisfied with this app
Android
Nov 30, 2022
It's trying. They have the slowest dispute team EVER!!!! I've never had to wait for a dispute almost all of the 90 days they claim things take up to. I've been waiting for a $19 food dispute since September and it's almost December. Even chime was faster to tell you yes or no.
Android
Nov 30, 2022
I want to reopen my account. Customer support is NOT helping.
Current - Modern Banking - Product Description
Current is a mobile banking app with a Visa debit card that gets you paid up to two days faster^ with direct deposit and gives you fee-free overdraft up to $100 with our Premium Account. Current Premium Members can earn up to 15x points on purchases that are redeemable for cash back and all members have access to over 40,000 fee-free Allpoint ATMs in the U.S., 24/7 support (even on holidays!) and never pay hidden or overdraft fees.

At Current, we believe our members should spend their hard-earned money on the things that matter most to them, and not on unnecessary fees. Signing up takes just two minutes and there is no minimum balance required to open or maintain an account. We’ll then ship your new card for free. Join the Current Community!

ACCOUNT BENEFITS:
-*GET paid up to 2 days faster with direct deposit^
-*FEE-FREE Overdraft^^ up to $100 with Overdrive™ 
-NO minimum balance requirement
-NO hidden fees
-EARN points to redeem for cash
-FEE-FREE cash withdrawals from 40,000 Allpoint ATMs in the U.S.
-*INSTANT gas hold refunds
-MOBILE banking w/ instant spending notifications
-SAVINGS PODS to help automatically save money
-DEPOSIT checks using your phone’s camera or add cash at 60,000 stores
-INSIGHTS to track spending
-INSTANT free, money transfers using Current Pay
-APPLE PAY® supported
-BLOCK transactions from specific merchants
-SECURITY of an EMV chip on each debit card and the latest technology
-PRIVACY controls of Touch ID® and Face ID®
-SUPPORT 24/7 (even on holidays!)

TEEN ACCOUNT BENEFITS:
-INSTANT money transfers from parent to teen
-BUDGETING and money management tools for teens
-SAVINGS PODS to help teens save money
-INSTANT spending notifications for parents
-ABILITY for parents to set spending limits and block merchants
-AUTOMATE allowance payments 
-SET chores to complete 
-GOOGLE PAY® supported
-SECURITY of an EMV chip on each debit card and the latest technology
-ABILITY to pause card directly in the app

A Basic Account is free to maintain and a Premium Account is $4.99 per month. There is no minimum required to open or maintain any account. A Teen account is $36 per year. All accounts start with a 30-day free trial.

For Teen Accounts, parents link their Current app with their teen’s app.

*Only available on Current Premium Accounts.
^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 payer’s support of the feature and timing of payer’s funding.
^^Overdrive™ is available only on Current Premium Accounts and requires $500 in qualifying direct deposits on Current each month. Members will be notified by Current when they are eligible and must opt-in to Overdrive™. The Overdrive™ limit starts at $25, allowing members to overdraft their accounts up to $25 on debit card purchases without any fees, and accounts are reviewed periodically for increases up to $100 at Current’s discretion. Your limit may change based on your account history, spending activity, or other risk-based factors. You will receive a notification of any changes to your limit and your limit may change at any time at Current’s discretion. Your limit and remaining balance will be displayed to you in the Current app. When you receive your next deposit, Current then will apply funds towards your negative balance. Overdrive™ will not cover any non-debit card purchases, including ATM withdrawals, ACH transfers, P2P services (PayPal, Venmo, Cash App, or similar services), Current Pay transfers and checks. 

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Metropolitan Commercial Bank, Members 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.
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