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 4,700 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.
|  |  Member FDIC |
| Visit Site | Visit Site |
| SPECIAL OFFER Build Credit While You Bank - Learn MoreRead Current Review | SPECIAL OFFER Chase First Banking - Learn MoreRead Chase Review |
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| Benefits and Features |
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Savings | Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000 |
- Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open.
- Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
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CD | | Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee. |
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Checking | Earn up to 15x points on purchases at participating merchants |
- Chase Total Checking®
- Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
- Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
- Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
- Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
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Monthly Fee | $0 | |
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Kids Debit Card |  | |
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Minimum Deposit to Open | $0 | |
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Mobile App | iOS & Android | iOS & Android |
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ATMs | Free access to 40,000+ Allpoint ATMs | 15,000+ Chase ATMs |
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Customer Service | | Automated service available 24/7 |
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Locations | | Over 4,700 |
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| CreditDonkey® Reviews |
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Savings |      |      |
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Minimum Deposit |      | |
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Checking |      |      |
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Price |      | |
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Mobile App |      |      |
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Customer Service |      |      |
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Ease of Use |      | |
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Education |      | |
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CD | |      |
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Pros & Cons | Pros:- High savings rate
- Up to 15x cash back at 14k stores
- Ability to deposit cash
Cons:- No web platform
- Email-based support only
- Requires direct deposit to earn the boosted bonus
| Pros:- More than 4,700 branches
- New customer coupons
- Full service banking
Cons:- Low savings rates
- Not in all states
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Bottom Line | Simple, digital-only banking app with impressive bonus and cashback... Read full review | National bank with good promotions for new customers... Read full review |
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| Visit Site | Visit Site |
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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 08/26/2025. |
- 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 is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
- 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.
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
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.
In short: Current's savings and checking are worth mentioning. In particular, the checking is outstanding. Chase's customer service is worth mentioning.
Articles on Current
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
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.
Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.
Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.
Is Chase Business Complete Banking the right choice for you? Here are the benefits and fees you need to know.
Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.
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).
What's the difference between Chase Private Client Checking℠ and Chase Sapphire℠ Banking? Find out which one you can qualify for.
Curious about scoring $600 from Chase? Read on to find out how to qualify and claim a $600 Chase bonus.
Curious if Chase offers a high-yield savings account? Read on to find out.
Looking to open a savings account with Chase? Check out the current rates being offered.
Which Bank Account is Right for You?
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