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Current vs Chime

Current is a simple, digital-only banking with useful features and impressive cash back. How does it compare to Chime? Read our comparison chart below.

 Current
 Visit SiteLearn More
 

Current

Chime

SPECIAL OFFER
Banking for Modern Life - Learn More

Read Current Review

SPECIAL OFFER
Get Started - Learn More

Read Chime Review

 

Benefits and Features

Savings4.00% APY on your Savings Pod, on up to a total of $6,0000.50% Annual Percentage Yield (APY). The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.
CheckingEarn up to 15x points on purchases at participating merchantsNo monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Customer Service 
24/7
Minimum Deposit to Open
$0
$0
Mobile App
iOS & Android
iOS & Android
ATMsFree access to 40,000+ Allpoint ATMsOver 60,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
Locations 
Online only
Monthly Fee
$0
$0
 

CreditDonkey® Reviews

 Current
SavingsStarStarStarStarEmpty StarStarStarStarStarStar
Minimum DepositStarStarStarStarStar
CheckingStarStarStarStarStarStarStarStarStarStar
PriceStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarStarStarStarStarStarStar
Ease of UseStarStarStarStarStar
EducationStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • Up to 15x cash back at 14k stores
  • Ability to deposit cash
  • Instant gas hold removals
Cons:
  • Fee required for most features
Pros:
  • No account fees
  • Get paycheck 2 days early
  • Up to $200 overdraft coverage
Cons:
  • Hard to deposit cash
Bottom LineSimple, digital-only banking with useful features and impressive cash back... Read full review Read full review
 Visit SiteLearn 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: Pricing information from published website as of 9/25/2021

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.

Current

Banking for Modern Life

  • Get Paid Up to 2 Days Faster
  • Fee-Free Overdraft up to $200 with Overdrive
  • 40,000 fee-free Allpoint ATMs in the U.S.
  • No minimum balance or hidden fees
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC
Current

Convenient Teen Account With Debit Card

  • Easy transfers, set spending limits, automate allowances
  • Age: 13 years and older
  • Fees: No monthly or annual fee
Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC

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 Chase.

In short: Current's customer service is worth mentioning. Chime's savings is excellent.


Articles on Current

Current Banking Review

Current offers banking features like savings, and debit card options — but is it legit? Find out the pros, cons, and how it compares to Chime.

Articles on Chime

Chime

Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.

Chime Alternatives

Chime offers a convenient and rewarding mobile app. But can you earn better rewards and get more account options with one of Chime's top competitors?

Which Do You Think is Best?





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About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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