Personal account

Current

Monthly fee, APY, bonus, and minimum deposit are copied from the provider's page, with the date we checked.

Best for Early pay and a savings boost

Current

Fintech (banking by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC)

Monthly fee: $0The June 22, 2026 deposit agreement does not list a monthly service fee. A $5 inactivity fee can apply after 12 months with no transactions.as of Oct 30, 2026 source
APY: 4.00%Savings Pod boost on the first $2,000 in each of up to 3 pods, if you receive at least $200 in qualifying direct deposits. Otherwise 0.25%. Balance above that cap earns 0.00%.as of Oct 30, 2026 source
Sign-up bonus: Noneas of Oct 30, 2026 source
Min. deposit: $0as of Oct 30, 2026 source

No monthly service fee listed
Savings Pods up to 4.00%
Early direct deposit

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What we have verified

Bank or fintech: Fintech. A partner bank provides the banking services unless the provider's own site says otherwise.
In the provider's words: Current is a financial technology company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC.as of Oct 30, 2026, source
Partner bank: Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC

FDIC insurance, when it applies, protects deposits if an insured bank fails. With a fintech, coverage comes through the partner bank. See the FDIC guide to deposit insurance and our explainer.