Like Chime, Current is an online-only banking tool where you can access your money and manage transactions via its mobile app. However, Current has a maximum balance of $10,000 across all of your accounts. This means that while you can set up different savings pods and accounts, you must watch your balances to ensure you don’t go over. Chime is far more user-friendly. While there are limited product options, there are some very helpful tools to assist you to save and increase your spending visibility. Additionally, Chime offers very competitive rates, despite being a completely free service.