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Current Spend & Savings Pods Account

About Current Checking Accounts

The Current Spend & Savings Pods Account from Current is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 8.9/10. Current is a leading U.S. mobile banking fintech offering fee-free spend accounts, up to 4.00% APY Savings Pods, fee-free Overdrive overdraft protection up to $200, and the Current Build Visa credit card.
Key highlights include Up to 4.00% Bonus APY on Savings Pods, a fee structure of $0 Monthly Fee, and $50 Welcome Bonus with $200+ qualifying direct deposit.

Features

Annual Fee	$0 Monthly Fee
Regular APR / Rate	Up to 4.00% Bonus APY on Savings Pods
Intro Offer / Welcome Bonus	$50 Welcome Bonus with $200+ qualifying direct deposit
Savings APY / AER	Up to $200 fee-free Overdrive + 2-day early paycheck
Minimum Deposit	$0 Minimum Deposit
Foreign Transaction Fee	$0 (None)
Deposit Insurance	FDIC / NCUA Insured ($250k+)
Mobile App Rating	4.8 / 5.0
Overall Rating	8.9 / 10

About Product

Annual / Monthly Fee: $0 Monthly Fee
APR / APY Rate: Up to 4.00% Bonus APY on Savings Pods
Intro Offer / Bonus: $50 Welcome Bonus with $200+ qualifying direct deposit
Key Benefits: Up to $200 fee-free Overdrive + 2-day early paycheck
Minimum Requirement: $0 Minimum Deposit
Institution: Current (New York, NY, USA)

Pros

Rate / APY / APR: Up to 4.00% Bonus APY on Savings Pods
Fee Structure: $0 Monthly Fee
Welcome Offer / Highlight: $50 Welcome Bonus with $200+ qualifying direct deposit
Key Perks: Up to $200 fee-free Overdrive + 2-day early paycheck

Cons