Welcome

  • No ATM fees, no account fees, no transfer fees1
  • 2% cash back on common everyday expenses, 1% on everything else2
  • Up to 20% lower rate on Upgrade loans3
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275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc

1 There are no account fees, overdraft fees, annual fees, or transfer fees associated with Rewards Checking accounts. Rewards Checking charges no ATM fees, but third-party institutions may charge you a fee if you use their ATM/network or if you use your Upgrade VISA® Debit Card internationally. Upgrade will rebate any ATM fee charged by another institution for debit card withdrawals in the United States, up to five times per calendar month. To be eligible for third-party ATM fee rebates in any month, customers must maintain an average daily balance in their Rewards Checking account of at least $2,500 for that month, or make a direct payroll deposit into their account of at least $1,000 during that month. Some limitations apply. Please refer to the applicable Cross River Bank Deposit Account Agreement and Upgrade VISA® Debit Card Agreement and Disclosures for more information.

2 Rewards Checking customers earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars - including deliveries - and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card charges. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card charges for the remainder of the year. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.

3 For example if you qualify for a 10% APR, your APR will be reduced to as low as 8% as long as you maintain at least a $2,500 average daily balance on your account that month or made a direct payroll deposit into your Rewards Checking account of at least $1,000 that month.

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Rewards Checking accounts provided by Cross River Bank, member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

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