Current: The Future of Banking

Name: Current: The Future of Banking
Rating: 4.74791 (143856 reviews)

Finance

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Current: The Future of Banking

Finance

4.7

143.9K ratings

Age Rating

Seller

Finco Services, Inc.

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User Reviews for Current: The Future of Banking

Hacked and customer service no help

Update** Three days later and the hackers are still attempting to use my daughters account, despite our reporting to Current the issue, and changing passwords several times. I had to have my parent side of the account removed completely to stop the scammers from trying to deposit money from my end. The scammer also tried to scam my younger daughters card as well. Lucky for us she had ignored the calls/texts before anything happened. Original review: The card we have for our kids got compromised. The hackers/scammers were very smooth. Had all of us fooled. The company isn’t being very helpful at this moment about returning the money, either. And even after contacting them about the fraud, somehow these scammers are still trying to use my account to steal money through my kids’ compromised account. I can’t remove the linked checking. Can’t pause it from making Deposits. It should only be allowing access via my Face ID, yet they still got in again. Looks like this is a new frequent issue for current users with these scammers yet no warning was sent out about this new scams. I do NOT recommend anyone use Current cards for your kids. They need to do better about security and be better about returning fraudulently stolen money and about earning customers when new scams are on the rise. We’ve been working with them for over two hours and there’s still no real resolution

agauth79, Aug 13, 2020

Worst mobile deposit process I’ve ever seen

I wants to give current a good review, I really did, but with the ridiculously abhorrent experience I’ve just had with them I couldn’t in good conscious pretend that this bank is worth your time. I had a current account before and I absolutely loved it. However I started a new job that (infuriatingly) only does paper checks. At other banks this wouldn’t be a problem as most will deposit the check immedielty in some fashion or at the least within 24 hours….but not current. I used my first Mobile deposit well over a week ago and it has been in pending limbo since. I’ve had to go an entire week without a paycheck because current thinks it’s somehow acceptable to make people wait AT LEAST five days before a clearing a mobile deposit which is absolutely ridiculous. I’ve already switched back to my old credit union because they at least deposit half the mobile check deposit Immedietly and the rest within 24 hours at the most. I contacted current assuming there had to be some sort of issue with my deposit because waiting 5 days for a check to clear sounds like an unreasonable joke, but no. They told me it’s their standard and that is absolutely infuriating. This one issue has been a massive inconvenience in my life that has caused legitimate financial hardship when there otherwise shouldn’t be. If I could rate current at ZERO stars I would and I can only hope they either fix this absolute trash mobile deposit system, or shut down.

Aj0303, Sep 20, 2022

Good idea, needs work

I started free trials for two competing debit card companies, and this one came in second. It takes a full day to transfer funds from my bank account into my parent wallet in the app! That was way too long. I need the money there instantly. I debated this card in the first place because I wanted the chores to be checked off and payment to the kids to be made only if chores were done, but it is not a simple integration. Once you create the chores, you can’t edit them, so even if there is a typo, you are stuck with it! You can’t change the order that the chores appear for each day, and there isn’t a check box to check them off when they’re done. I started by creating a separate chore for EACH action I wanted done, but it takes up most of my screen to show one chore, and with three kids and at least 15 chores each, it wasn’t worth it. I decided to go with another card that does not have the chore option, but transfers to my parent wallet immediately, does not require such an elaborate password to get into the app (how about a PIN or fingerprint?), and I can turn each card on or off any time with only two clicks instead of three. If I think it’s lost? Off. If I can’t find it? Off. Kids have it safe in their wallet? On. Current does not have that option without reporting it stolen.

ampfrances, Sep 02, 2018

RIDICULOUS

I have used current for 3 years now. 3 YEARS. mainly because i just have everything hooked up to it and dont feel like changing my card/bank info on every subscription. my advice go to Chime, or some other mobile banking. Currents customer service is rude 9 times out of 10 and half the features the app claims to have don't actually exist or require 100 eligibility requirements. for example, they claim to have an instant deposit feature that’ll eventually be ready for you to use. I’ve been depositing the same exact check (as in from the same person) for the same amount every month of every year since getting this app, give or take a few months, and still have not unlocked that feature. so today I contacted support and said “hello I was just wondering when this instant deposit feature will unlock“ and the customer service representative responded, rather rudely, with “we don’t have an instant deposit feature“. i told him that when i deposited my check the info tab you can click says “it normally takes 2-3 days for check deposits but instant deposit will unlock as you use Current.” HIS RESPONSE “im sorry we don't have feature. Also it actually takes 4 - 5 days for check deposit”NO WONDER I ALWAYS GET MY CHECK DEPOSITS LATE AND WONDER WHY. BECAUSE YALL HAVE LIED ABOUT YOUR CHECK DEPOSIT FEATURES. this app would be amazing IF the customer service was nicer and they were HONEST about the app features.

Babyxmag, Aug 02, 2022

So rude, and they lie and work together on the lie

I have had the worst experience with a bank that you can have and it was with his bank. I have two cases where my car was really stolen and they swiped as a credit card and they did nothing normally it takes like a 30 to 90 days for a bank to get back to you they contacted me the very next day denied it did not care about any of the evidence I had when I ask him about theThe reason they always tell you to contact the disputing the disputing when I tell you never reaches back out I sent multiple emails opening up multiple cases nobody ever reach back out I have lost hundreds of dollars in his bank account because they were fused to do investigations whenever I asked him to be transferred they have will never change for me I am going to upload evidence of just just some of the evidence but please just know I have a lot more Oh and I also have a case build up against him with the Better Business Bureau I screenshot all of my conversations and they will be handled they won’t let meUpload the pictures but basically when they send me the email of the dispute they created they basically lied in the whole email and they basically say I said things that I never once said I still have my original copy of the email I sent them every day when I sent it to them do you know the people still never say anything for to me in a basically justify the actions in lying of the employees

bsksndh, May 25, 2021

It’s really 0 stars for me

I’m only putting five stars because I can’t give 0 and people need to see this. Thought I’d try it out even though I was skeptical about it. I’ve been getting paid by my job 2 days prior ever since I switched to Dave and Albert. However, I wanted to try Current out. My job makes it very easy for its employees to switch accounts and add accounts whenever we want too, so last week I got my first check through Current while having a basic account I could see that on my normal payday of Tuesday the check was pending and it was released the next day, well this week I had a premium account which they actually do promise to deliver your check 2 days before your actual payday. Well yesterday I waited all day for my check to show up in the account, I mean there isn’t a check pending or anything. I’ve talked to 3 customer service representatives 2 had very bad attitudes because I had the most basic of questions and because once I found out that being a premium account holder sucked because you don’t get your check any earlier, I asked to go back to basic because premium cost 4.99/ mos. I’m probably just over the top and I don’t care because I don’t play about my money, so if you promise 2 days in advance you should deliver that. I’m going back to Dave because my savings accounts got paid yesterday. Just don’t do this to yourself you guys, if your use to getting paid 2 days before your actual payday just don’t do Current.

CbabyBhadf, Mar 09, 2022

Easy but not helpful

Current is ok only reason I’m writing three stars is because customer service is honestly garbage. And they promote that there was $100 overdraft which honestly that’s not true at all.But back to my original complaint about customer service I had an unauthorized use and someone used a little cash out of my account and when I contacted support they basically said it would take three to six months to get that payment back after I fill out a mountain of paperwork and all that they could do is cancel my card and send me another one, but in the process they canceled the wrong card so I was stuck out and they did not ship the new card faster they basically told me to deal with it or use another Bank to link a virtual card so I can pay for stuff for my kids .they were not helpful and honestly I won’t be with them for much longer .only good thing is you will get your paychecks faster and tax return fast but outside of that it’s really nothing good.And if you change your phone number it is basically impossible for you to get back into your account even if you have an email link to it and they did nothing to help my wife she is still locked out of her current and the money is still sitting in there so basically they said deal with it so Hope this helps dudes

DaddyOkane, Mar 14, 2021

Don’t use this App

Initially I believed I would love this app but I don’t recommend a banking app that you can only access from the mobile app itself. Current you really screwed your customers over by not creating a website along with the app that customers can access to love money around if they app crashes. I deleted the app and downloaded three times to see if it would fix the issue but the app continuously says something went wrong. I’ve tried WiFi and my own 5G internet which every other app works but this one. You guys are going to be a failed company I can already tell. Also don’t try to call their customer service because there isn’t one. It’s only automatic options. If you contact customer support it’s only through email which takes 24 hours! I’ve pressed every button on my phone and listened thoroughly to each command key to press and still no transfer to an actual human being. They refer you to use the app which isn’t good if your app is the issue. If I could give negative stars for the app and customer service I would. Step up the game Current because this isn’t it. I’m now going back to a different banking app that way I can always have access to real human being customers on the phone and multiple options of how to get to my money. I want people to know this is a legit review and not leading them to some other bank for promotion tactics this is someone that is genuinely fed up with these people.

Eddie R., May 19, 2022

AWFULLL

I've used current for maybe a year now. I have filed only ONE dispute because someone got ahold of my card and used it on cash app. Months later i ordered something using my current card linked to paypal. The sender did not send me my item and paypal was giving me trouble because it looked like it had been disputed and to contact my financial institution. I filed a dispute with current and spoke with customer service through chat and explained what had happened. The next two days everything was fine and then they closed my account with no warning or explanation. Not only that but they block your number from contacting them if they "suspend" your account and the only customer service is really in the app. Even on the phone it will say you can reach is through the app. I sent an email and got no response. After they suspended the account they still let my direct deposit come through the account. I tried to connect my card to cashapp so i could take the funds out and of course it didn't work. Now they have NOT send the funds back and my job isn't able to track down the deposit. I always LOVED this app just seems crazy to be a BANK with no reliable customer service or suspending accounts without reaching out first or at least requesting ID or verification for whatever issue they suspect. I have one income that is now in limbo with NO response STILL. I am just disgusted with how they treat there customers!!!!!

FedtfUUP, Jul 13, 2021

No accountability

HOMELESS AND PENNILESS THANK YOU CURRENTUPDATE after my horrible experienceWith Current I close my account not being told that I would not have access ever again to my account numbers routing numbers etc. when I went to change my direct deposit they require I gave them my old account number which I didn’t have so I am unable to change my direct deposit which is Social Security and due to that I am now homeless and penniless. Current wants me to send them an email from my original email address that I open my account with which had been hacked along with other things and no longer exist. I don’t have access to it only the hacker do. And because you were only able to communicate via email and you’re never addressed by the same person twice it took five days to be told oh sorry. Sorry for the inconvenience yes being homeless is very inconvenient being penniless is even more inconvenient shame on you current bank you call yourself a bank you’re not bank you’re a nightmareAny bank or any kind of company (Uber and Lyft) that has no phone number to call immediately shows the lack of accountability. I guess current is great if you never have an issue. Run don’t walk from this bank. There is no customer service and fox forbid you are unable to get into the app your totally screwed. You can’t even get your balance via a automated system. This bank hahahaha is the worst.

icknametaken1000, Mar 18, 2022

Description

Current is the future of banking. Spend, save, and manage your money better with our mobile banking app and Visa credit and debit cards so you can make the most of what you've got. Current is a financial technology company, not a bank.

Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. Join over 4 million members that trust Current & sign up today. WITH CURRENT YOU CAN – BUILD CREDIT: Use your Build Card to build credit safely with every swipe, no credit checks or history required. SKIP THE FEES: Get fee-free overdraft & fee-free cash withdrawals from 40,000 Allpoint ATMs in the U.S.¹ GET PAID: Payday comes up to 2 days faster with direct deposit.² SAVE: Earn up to 4.00% APY³ on your savings with Pods when you receive and maintain a qualifying direct deposit. GET REWARDED: Get up to 7x the points and cash back on swipes.⁴ SPEND: Get spending notifications and insights, and instant money transfers with Current Pay. ACCESS YOUR $$$: Get instant gas hold removals so your funds are available right away. STAY SAFE: Get privacy controls to protect your information, and block your card in the app. GET HELP: 24/7 support & chat in the app. TEEN ACCOUNT BENEFITS SAVE: Savings Pods teach teens to set savings goals. SPEND: Get instant money transfers from parent to teen, spending notifications, and set automated allowance payments. BUDGET: Explore money management tools that help teens budget money. STAY SAFE: Parental controls let you pause the card directly in the app, set spending limits, and block merchants. No minimum requirement to open any account. Teen accounts must be linked to a parent’s account through the app. ¹ Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees. Please refer to Fee-free Overdraft Terms and Conditions at https://current.com/docs/ ² Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer's submission of deposits. ³ The Annual Percentage Yield ("APY") earned on Savings Pods is variable and may change at any time. The disclosed APY is effective as of May 1, 2023. Must have $0.01 in Savings Pods to earn either 0.25% APY or 4.00% APY on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00% APY. Qualifying direct deposit of more than $200 required for 4.00% APY. No minimum balance required. Please refer to Savings Pods Terms and Conditions at https://current.com/docs ⁴ Points available at participating merchants. Teen accounts do not earn points ⁵ Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.