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whall1970
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I opened this account.  It’s current.com it’s a division of Choice Bank.  My Chex and Ews is a hot mess.  Current has mobile deposit,  I did one and it was available next day.  There mobile banking is state of the art.  It can be confusing at first.  Also if you set up direct deposit and have it set up for a couple of months into account they have instant deposit ,  which means If you set up an external account like Bank of America and transfer money from external account instead of 3 day wait for transfer , it available immediately . The Premier Checking is $4.95 fee a month 

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Centex, completely agree that now and days, no account is worth paying a monthly fee for. Now...if someone has jacked their Chex/EWS/Telecheck reports up that bad, it's saying something. 

 

Current offers the following accounts: 

 

Basic - No monthly Fee - Your standard basic checking account, without a brick and mortar location. 

"Premium" - 4.95 fee - Early Direct Deposit (Umm...ok), Instant Gas refunds (Pre-authorizations), and a black card. 

 

I am sorry. There is no way I am going to pay almost 5 bucks a month, for a black card. The other two options are stupid.

 

The direct deposit early...it's still the same funds time frame between getting paid. If you get paid Bi-Weekly....your still getting paid Bi-Weekly. Just say on Wednesday's now. Dumb. 

 

The "Gas Refunds" is another dumb point. You spent the money, with a traditional account, say they hold 1.00. When the merchant closes it out, either way, its still going to withdraw the funds paid to them. 

 

Absolutely crazy what some of these "banks" are offering now and days as "perks". 

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