Deposits · August 2026
Current publishes its savings rate and its routing number stays hidden
An AI agent ran five ordinary deposits tasks on the public pages of Current and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Fintech
58/100
Mystery Agent score
Deposits · rank 14 of 25
Savings rate
90Served as text
Checking comparison
72Partly served
Fee schedule
87Served as PDF
Routing number
16Automated reader declined
Application page
27Arrives after scripts
Summary
- Current's robots.txt stays permissive and points to a working sitemap, and the main domain answered every request without a challenge page.
- Current's Deposit Account Agreement and fee schedule download directly as a PDF with no login, one click from the checking page.
- The Savings Pods rate is stated in plain paragraph text, up to 4.00%, with exact tier caps and a dated effective figure.
- Publishing the routing number on the public site would close the clearest opportunity for a reading agent.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateServed as text90 out of 100
The savings page states a rate up to 4.00% in plain paragraph text, disclosing a base rate that rises with a qualifying direct deposit, tier balance caps, and a dated effective figure.
Task 02Checking comparisonPartly served72 out of 100
Current runs one core checking account, so the agent compared the base account against the same account with the optional credit-builder card enabled, both sharing the same fee facts stated as text.
Task 03Fee scheduleServed as PDF87 out of 100
The Deposit Account Agreement PDF lists a full fee schedule on one page, naming figures for out-of-network ATM use, cash deposits, foreign transactions, card reorders, and account closure in itemized text.
Task 04Routing numberAutomated reader declined16 out of 100
Two deposit account agreements reference a bank routing number as a concept used for direct deposit, while the help center that might print the digits answers with a Cloudflare challenge page.
Task 05Application pageArrives after scripts27 out of 100
The Get Started button leads to a marketing landing page with over 22,000 characters of visible text about points and fees, alongside exactly one decorative input, with the real sign up form arriving through a later script.
Current states in plain text that its Savings Pods pay up to 4.00%, with the tiers and caps spelled out.
The application page
What the account opening page states to a reader that runs no scripts.
158,908Bytes delivered
22,114Characters of visible text
1Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- Current publishes its full Deposit Account Agreement, including an itemized fee schedule, as a directly downloadable PDF with no login wall, and it is easy for an agent to find from the checking product page.
- The savings bonus rate is stated as plain paragraph text on the first savings page fetched, with exact tier percentages, dollar caps, and an effective date, no script execution required to read the number.
- robots.txt is largely permissive and points to a working sitemap, and the main current.com domain never challenged a plain agent fetch.
Opportunities
- Publish the routing number as plain text somewhere on the public site or an unblocked help article; today it is referenced conceptually in legal agreements but the digits never appear, and the help center that might carry it returns a Cloudflare challenge to a plain GET.
- Serve llms.txt with real content instead of the branded 404 page, so agent-facing channels have a direct answer path.
- Publish a genuine two-tier or side-by-side checking comparison; today an agent must assemble the comparison from separate marketing pages describing one account with an optional credit-builder add-on.
- Move at least a summary of account-opening requirements, age, ID, funding source, into the static HTML of the get-started page, since the real form only appears after JavaScript renders a sign-up modal.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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