Current vs North One
Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to North One? Read our comparison chart below.
Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums.
While North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.
Compare Current with North One, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Visit Site | Visit Site | |
Current | North One | |
|---|---|---|
Build Credit While You Bank - | North One Free Business Banking - Up to 2.50% APY - | |
Benefits and Features | ||
| Savings | Up to 4.00% bonus on your Savings Pod, on up to a total of $6,000 | No savings account, but you can create unlimited envelopes for savings goals |
| Checking | Earn up to 15x points on purchases at participating merchants | $0 monthly fee; no balance requirements |
| Monthly Fee | ||
| Kids Debit Card |  | |
| APY | up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements | |
| Minimum Deposit to Open | ||
| Mobile App | ||
| ACH Transfer Fee | ||
| ATMs | Free access to 40,000+ Allpoint ATMs | |
| Balance Requirement | ||
| Cash Deposit Fee | up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members) | |
| Customer Service | Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST. | |
| Incoming Wire Transfer Fee | ||
| Locations | ||
| Out of Network ATM Fee | ||
| Outgoing Wire Transfer Fee | ||
| Overdraft Fee | ||
CreditDonkey® Reviews | ||
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| Savings |   | |
| Minimum Deposit | | |
| Checking | | |
| Price | | |
| Mobile App | | |
| Customer Service | | |
| Ease of Use | | |
| Education | | |
| Fees | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Simple, digital-only banking app with impressive bonus and cashback... | Good business banking features and tools with no monthly fees... |
| Visit Site | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. North One: Information sourced from the published website as of 02/25/2025. | ||
Build Credit While You Bank
- Get Paid Up to 2 Days Faster
- Build credit and earn points with every swipe
- 40,000 fee-free Allpoint ATMs in the U.S.
- No credit check, minimum balance or hidden fees
Current Savings - Up to 4.00% bonus
- 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
- Simply add money to your Savings Pods and enable the Boost feature.
- Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
- Bonuses accumulate daily.
North One Free Business Banking - Up to 2.50% APY
- 2.50% APY on balances up to $250,000 for eligible customers
- Business banking for teams
- Automatic invoice ingestion and payments
- Sales and revenue analytics
- Unlimited account envelopes
- Close to 100 integrations
- Over $5000 in perks for new customers
- No monthly fees, no application fees, no minimum balance
North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.
North One Plus Business Banking - Up to 3.00% APY
- 3.00% APY on balances up to $250,000 for eligible customers
- Priority email/chat support
- Dedicated relationship manager
- Implementation and onboarding assistant
- $0 same-day ACH payments, bill payments, and physical checks
- Lowest transaction fees
- $50 minimum opening deposit
- $20 monthly fee
North One Free Business Banking - Up to 2.50% APY
- 2.50% APY on balances up to $250,000 for eligible customers
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Automate your bill payments
- $50 minimum opening deposit
Which is Better: Current or North One?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Current or Bank of America.
In short: Current's checking is outstanding. North One's customer service is outstanding.
Articles on Current
Current Banking Review
Articles on North One
NorthOne
