Current · U.S. checking accounts

Current Personal Account

A mobile personal spending account with debit access and no ongoing minimum balance. SSN and U.S. residence are required. Cash deposits, outside ATMs, foreign transactions and inactivity can carry fees.

Pros

No minimum opening deposit or ongoing minimum balance.
In-network Allpoint withdrawals have no Current fee.
The reviewed Choice agreement includes lawfully admitted nonresident aliens who satisfy its SSN and address requirements.

Cons

A valid SSN is required; an ITIN-only route is not documented.
The Choice agreement lists $3.50 outside ATM/OTC and cash-deposit fees. Confirm your issuing bank's disclosure in the app.
Foreign purchases cost 3% (minimum $0.50); foreign cash withdrawals add a $3 charge. Operator fees may apply.
The reviewed agreement lists $5 monthly inactivity fees after 12 months and a $10 account-closure fee.
Fee-Free Overdraft and Savings Pods bonuses require qualifying deposits and other conditions; early payday is not guaranteed.
No joint or business accounts.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	Not confirmed
Minimum opening deposit	0 (currency not confirmed)
SSN requirement	Required
ITIN accepted	Not accepted
Credit check	NotStated

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: The Choice account agreement permits U.S. citizens, legal U.S. residents and lawfully admitted nonresident aliens who are at least 18 or the age of majority in their jurisdiction. A valid SSN, physical U.S. address, email and identity verification are required. This is an individual personal account; Current is a fintech and banking is provided by partner banks.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 31 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	Not confirmed
Outgoing domestic wire	Not confirmed
Incoming wire	Not confirmed
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed
Allpoint ATM	0 (currency not confirmed)
Other ATMs	June 22, 2026 Choice agreement lists $3.50 outside ATM/OTC fee; marketing mentions $2.50. Confirm your issuer/app disclosure. Foreign cash adds $3 plus 3% (minimum $0.50); operator fees may apply.
Cash deposit	$3.50 at participating cash-deposit retailers.