Wealthy PotCurrent Review (2026)
Current is a mobile-first neobank aimed at younger users and families, with boosted savings Pods and a teen account. The boosted rate is capped, so it suits smaller balances rather than large savings.
By Wealthy Pot · Last updated September 2026
Pros
- No monthly or overdraft fees
- Savings Pods with boosted APY
- Early direct deposit
- Teen-banking option for families
Cons
- Boosted APY is capped by balance
- A thinner product set than full banks
- Mobile-only
Who Current is for
Best for younger users, teens, and families who want a simple mobile-first account with fee-free basics and a boosted rate on smaller balances.
APY, fees & features
Current advertises up to 4.00% APY on Savings Pods (requires $200+ payroll in 35 days; capped at $2,000/pod, $6,000 total), with a monthly fee of $0 and a $0 minimum to open. Early direct deposit: yes. ATM network: 40,000+ fee-free. APYs change with the rate cycle — confirm the current rate on the official site.
The bottom line
Current is a mobile-first neobank aimed at younger users and families, with boosted savings Pods and a teen account. The boosted rate is capped, so it suits smaller balances rather than large savings. Main drawback: boosted apy is capped by balance; a thinner product set than full banks.
See how Current stacks up in our neobanks comparison.
We summarize hands-on assessment, not user reviews. APYs and fees change often and are re-checked against Current's official page. Many neobanks are fintechs whose banking services are provided through partner banks and FDIC-insured through them. Some outbound links may be affiliate links — that never affects which apps we include or how we rate them. Nothing here is financial advice.