Current vs Chime

Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to Chime? Read our comparison chart below.

	Current	Chime

	Visit Site	Learn More
	SPECIAL OFFER Build Credit While You Bank - Learn More Read Current Review	SPECIAL OFFER Get Started - Learn More Read Chime Review
	Benefits and Features
Savings	Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000	0.75% Annual Percentage Yield (APY).
Checking	Earn up to 15x points on purchases at participating merchants	No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Monthly Fee	$0	$0
Kids Debit Card
Minimum Deposit to Open	$0	$0
Mobile App	iOS & Android	iOS & Android
ATMs	Free access to 40,000+ Allpoint ATMs	47,000+ fee-free ATMs
Customer Service		24/7
Locations		Online only
	CreditDonkey® Reviews

Savings
Minimum Deposit
Checking
Price
Mobile App
Customer Service
Ease of Use
Education
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: No account fees Get paycheck 2 days early Up to $200 overdraft coverage Cons: Hard to deposit cash
Bottom Line	Simple, digital-only banking app with impressive bonus and cashback... Read full review	Banking app that offers an online account with early paycheck access and credit builder features... Read full review
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	Build Credit While You Bank Current Savings - Up to 4.00% bonus Fee-Free Overdraft up to $200 with Overdrive	Get Started Personal Checking Account - $350 Bonus Personal Checking Account - $200 Bonus
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 an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Cross River Bank, Member FDIC. The Current Visa® Debit Card, and the Current Visa® secured charge card, which are issued by Cross River Bank, are both issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current deposit account is required to apply for the Current Visa® secured charge card. Independent approval required. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

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 is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Cross River Bank, Member FDIC. The Current Visa® Debit Card, and the Current Visa® secured charge card, which are issued by Cross River Bank, are both issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current deposit account is required to apply for the Current Visa® secured charge card. Independent approval required.

Current Savings - Up to 4.00% bonus

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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.

Fee-Free Overdraft up to $200 with Overdrive

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Which is Better: Current or Chime?

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: Chime's savings is excellent.