Current vs Chase
Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to Chase? Read our comparison chart below.
Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums.
While Chase is one of the biggest banks in the nation with more than 5,000 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.
Compare Current with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Learn More | |
Current | Chase | |
|---|---|---|
Build Credit While You Bank - | Chase Bank $400 Bonus - | |
Benefits and Features | ||
| Savings | Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000 |
|
| CD | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. | |
| Checking | Earn up to 15x points on purchases at participating merchants |
|
| Monthly Fee | ||
| Kids Debit Card |  | |
| Minimum Deposit to Open | ||
| Mobile App | ||
| ATMs | Free access to 40,000+ Allpoint ATMs | |
| Customer Service | Automated service available 24/7 | |
| Locations | ||
CreditDonkey® Reviews | ||
| | |
| Savings |   | |
| Minimum Deposit | | |
| Checking | | |
| Price | | |
| Mobile App | | |
| Customer Service | | |
| Ease of Use | | |
| Education | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Simple, digital-only banking app with impressive bonus and cashback... | National bank with good promotions for new customers... |
| Visit Site | Learn More | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. Chase: Pricing information and data points from published website as of 01/24/2026. | ||
Build Credit While You Bank
- Get Paid Up to 2 Days Faster
- Build credit and earn points with every swipe
- 40,000 fee-free Allpoint ATMs in the U.S.
- No credit check, minimum balance or hidden fees
Current Savings - Up to 4.00% bonus
- 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
- Simply add money to your Savings Pods and enable the Boost feature.
- Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
- Bonuses accumulate daily.
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
Which is Better: Current or Chase?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Current or Bank of America.
Articles on Current
Current Banking Review
Is Current a good fit for you? Discover its benefits and drawbacks, and see how it sizes up against apps like Chime in this review.
Articles on Chase
Is Chase a Good Bank
Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.
Chase Business Complete Banking Review
Is Chase Business Complete Banking® the right choice for you? Here are the benefits and fees you need to know.
Chase Routing Number
What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).
Chase Private Client vs Sapphire Banking
What's the difference between Chase Private Client Checking℠ and Chase Sapphire℠ Banking? Find out which one you can qualify for.
Chase Private Client Bonus
Chase is now offering up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account. Find out how to qualify below.
How to Close a Chase Account
If you're ready to say goodbye to your Chase monthly service fees, follow the steps outlined in this guide to close it online, via phone, and more.
Chase First Banking Review
Is Chase First Banking the right debit card for your kid? Before you open an account, find out the pros, cons, fees, and more.
How to Write a Chase Check
Got a shiny new Chase checking account? You're almost ready to make purchases. Read this guide to learn how to write a check from Chase.
What is Chase Overdraft Protection
Chase charges a hefty $34 insufficient funds policy. Find out how to avoid fees with their overdraft protection services.
How to Get Started with Chase Banking App
Want to start using The Chase Mobile® App? Get started in three easy steps below.
Chase Bank Hours
Chase Bank has over 5,000 branches and more than 15,000 ATMs. Find out when you can visit your local branch in this guide.
Chase Private Client
Discover the real value and premium perks of Chase Private Client ℠. Explore the benefits in this in-depth review and if they're worth it.
Chase Student Checking
Chase College Checking account has no monthly service fee for students. But is there a catch? Read on to learn the details and see if it's right for you.
Which Do You Think is Best?
Which Bank Account is Right for You?
You Might Also Like
Banks That Don't Use ChexSystems
Denied a bank account due to your poor banking history? Fret not, some banks don't check your ChexSystems report.
Greenlight vs Acorns Early vs FamZoo
Greenlight, Acorns Early, and FamZoo offer debit cards with parental controls. Find out which is best to teach children about money.
Best Prepaid Cards for Kids
Which prepaid debit card is best for your child? Compare the pros, cons, and cost of the top prepaid cards for kids.
Best Debit Card for Teens
Is your teenager ready to have a debit card? Take a look at the pros, cons, and fees of the top 8 best debit cards for teens.
Best Free Debit Card for Kids and Teens
Are free debit cards for kids safe and legit? Compare the top 8 best free debit cards for teens and kids under 13.
Greenlight Alternatives
Check out the top alternatives to Greenlight Debit Card for Kids to help you save money and enjoy similar features as Greenlight.
Best First Checking Account for Kids
Financial literacy doesn't happen overnight. Help your child develop good money habits with these starter checking accounts for kids.
Next Page: Current Banking Review
