Chase vs Current

Chase is a national bank with good promotions for new customers. How does it compare to Current? Read our comparison chart below.

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.

While 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.

Compare Chase with Current, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Chase	Current
	Member FDIC
	Learn More	Visit Site
	SPECIAL OFFER Chase Business Complete Banking® - Up to $500 Bonus - Learn More Read Chase Review	SPECIAL OFFER Build Credit While You Bank - Learn More Read Current Review
	Benefits and Features
Savings	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.	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	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.	Earn up to 15x points on purchases at participating merchants
Monthly Fee		$0
Kids Debit Card
Minimum Deposit to Open		$0
Mobile App	iOS & Android	iOS & Android
ATMs	15,000+ Chase ATMs	Free access to 40,000+ Allpoint ATMs
Customer Service	Automated service available 24/7
Locations	Over 4,700
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Minimum Deposit
Price
Ease of Use
Education
Pros & Cons	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states	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
Bottom Line	National bank with good promotions for new customers... Read full review	Simple, digital-only banking app with impressive bonus and cashback... Read full review
	Learn More	Visit Site
	Chase Business Complete Banking® - Up to $500 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus Chase Total Checking® - $300 Bonus	Build Credit While You Bank Current Savings - Up to 4.00% bonus Fee-Free Overdraft up to $200 with Overdrive
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 10/21/2025. 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.

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 a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

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.

Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

Fee-Free Overdraft up to $200 with Overdrive

Learn More

Which is Better: Chase or Current?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Bank of America.

In short: Chase's customer service is worth mentioning. Current's savings and checking are worth mentioning. In particular, the checking is outstanding.

Articles on Chase

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Chase Business Checking Bonus

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.