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Everyday Savings

  • 4.00% APY1, 11x the national average2
  • No minimum balance, no monthly fees
  • Must be paired with a Rewards Checking account3
Open Account
FDIC insured up to $250,000 through Cross River Bank, Member FDIC.

Grow your money faster with Everyday Savings

It only takes a few minutes to start saving for your future
Excellent APY

4.00% APY1, 11x the national average.2 Reach your goals faster.

All the savings, none of the fees

No monthly account fees, transfer fees, or minimum balance.

Maximize your rewards

Everyday Savings comes paired with a Rewards Checking account3 featuring 2% cash back on common everyday purchases, 1% on everything else4

All the savings, none of the fees

Everyday Savings consistently has one of the highest rates in the nation, with none of the fees that some competitors charge.

Everyday Savings
National Average / Competitor Comparison
Annual Percentage Yield (APY)


Overdraft fees

$34 to $36i

Your interest earnings on a $2,500 deposit



i. Range of overdraft fees based on the following competitors: Chase, Citibank, Bank of America, US Bank

ii. Assumes principal and interest remain on deposit and interest rate and APY do not change. The estimated values are based on a $2,500 savings account, are shown for illustrative and informational purposes only, and may not apply to your individual circumstances.

iii. This reflects the average national savings account interest rate of 0.35% as determined by the FDIC as of February 21, 2023 (FDIC National Rules) and applied to a $2,500 savings account. savings account.

Manage your money on the go


Top-rated mobile app

  • Secure 24/7 access to your money
  • View balances, transfer funds between accounts through Upgrade
  • You’re in control. Set up real-time alerts
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From Upgrade customers

"I have had nothing but the best customer service ever since I became part of the Upgrade family. Keep up the excellent work and customer service."
- Bobby R. Upgrade Customer

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

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