Current vs Chime

Current and Chime both land on Depends.

Current

Depends

Confidence: Low

Current is a consumer neobank: a fit for individuals wanting app-based checking with early paycheck access.

Depends

Confidence: Medium

Chime fits people who want a simple, fee-free spending account funded by direct deposit.

Current versus Chime
Compare	Current	Chime
Verdict	Depends	Depends
Best for	Individuals wanting app-first checking	People with regular direct deposits
Who it's not for	Businesses buying spend or expense management software	Anyone needing branch banking or cash deposits
Privacy	No known public vulnerabilities found in the sources reviewed.^⁷	Active concern: customers are suing over an alleged April 2026 breach tied to a hacktivist group; past CFPB and DFPI actions on service and refunds.
Support quality	No rating numbers in evidence	Fined $2.5M over service failures
Public sentiment	Sentiment is mixed-to-positive: current users report no issues, while prospective users on r/Banking debate whether the neobank is trustworthy.^²	Reviews are sharply polarized: many love the fee-free app, while others report terrible support, drained accounts, and the 2026 breach.¹³
Biggest gotcha	Trustpilot reviews center on customer service . scan recent ones before routing your paycheck here^²	Support complaints drove CFPB and DFPI enforcement; dispute resolution can be slow