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Current is a startup bank that first launched in 2017 with an app-controlled debit card designed for kids, and at the end of last year it launched a regular checking account.

“A customer service representative at my bank recommended opening a second checking account just for my debit card,” wrote Jo Sullivan from Lynn, Mass. “I keep a few hundred dollars in that account. I replenish as needed, from my regular checking account.”

I finally persuaded him to open a regular checking account and have his pay directly deposited.

He had to transfer his retirement savings of five years into a regular checking account.

Among the danger signals were living in a furnished apartment, “not carrying a regular checking account,” and generally unstable, hazardous or transient occupations like bartender, dishwasher, taxi driver, longshoreman, and other.