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What's Free vs Paid

Boost MoneyTM and the associated accounts* are free to open and use, and  it comes with an Boost MoneyTM Spend account and Boost MoneyTM Card. You can also open an optional Boost MoneyTM Save account. Customers have the option to upgrade to Premium for $9.99 a month.** This service comes with additional features such as 10.00% APY for savings up to $1,000,*** faster BoostCashTM limit increases, Personal Identity Theft benefits, a VIP support line, retail & travel  protection benefits, plus more. 

  • Boost Money™ includes Boost MoneyTM Card, a secured card, and Boost MoneyTM Spend, a deposit account with funds held as security for the Boost MoneyTM Card. You can also open an Boost MoneyTM Save account once your Spend account is opened. Applying for Boost Money™ Card will not impact your credit score, but there will be a hard inquiry during the card activation process which may impact your credit score. You may also be eligible to request BoostCashTM advances when you link your direct deposit to your Boost MoneyTM Spend account. 

BoostCash™ personal loans (“BoostCash™ advances”) range from an initial $20 and up to $500 over time for eligible Boost Money™ Spend customers, subject to eligibility requirements at Eligibility for BoostCash™, including eligible direct deposits, and approval. Boost Money™ Spend customers must receive eligible direct deposits to your Boost Money™ Spend account to qualify for $250-$500. If you don’t, your max BoostCash advance is up to $250. Not everyone will reach the maximum advance amount. Average BoostCash advance from 2/2026 - 7/2026 is $94. If eligible, your BoostCash™ advance amount can change over time based on several factors, such as positive repayment history. If any eligibility requirement is waived, subsequent BoostCash™ advances are subject to all eligibility requirements and approval. BoostCash™ advances made through Upgrade feature Annual Percentage Rates (APRs) of 0.00% and a term of up to 34 days. For example, a $25 BoostCash advance with a 14 day term and a 0% APR has a required single installment payment of $25 on your due date. BoostCash™ advances are generally repaid in full on the due date which is the estimated date of your next expected payroll or employer direct deposit and are repaid automatically from the account you designate as your repayment accounts or, if your funds are insufficient for repayment, any deposit account you have opened through Upgrade or otherwise authorized for repayment. You must repay a BoostCash™ advance before you may get a new one. BoostCash™ advances are not available in all states. See BoostCash™ Account Agreement for details.

**Boost Money™ customers with a $9.99/month Premium subscription receive additional benefits including: 10.00% Annual Percentage Yield (APY) on Boost Money™ Save balances up to $1,000, generally faster increases in BoostCash™ personal loans (“BoostCash™ advances”) amount(s) than non-subscribers with account activity and history, up to your individual BoostCash limit or $500 maximum over time with eligible recurring direct deposits, subject to eligibility requirements at Boost Money™ Eligibility | Upgrade , unlimited express delivery of BoostCash™ advances, fee-free same day bank transfers, Personal Identity Theft (up to $15K), Purchase Security (up to $500 per claim and $50,000 per cardholder), Return Protection within 90 days of purchase for returns not accepted by the retailer (purchase price up to $250 per item and $1,000 per account), Extended Warranty Protection for eligible U.S. warranties 3 years or less (up to $10K per claim and $50K per cardholder) Trip Cancellation Protection (up to $2K), and a dedicated VIP customer service contact number. With Personal Identity Theft, Purchase Security, Return Protection, Trip Cancellation and Interruption and Extended Warranty Protection certain terms, conditions and exclusions apply. For Retail Protection Benefits and Travel Protection Benefits, you must use your Boost Money Card to secure transactions. This does not apply to transactions not processed by Visa. Please refer to your Premium benefits guide for further details. Limited free trial offers may be available from time to time, including for select Boost Money™ customers at application and who enroll in Premium within the required offer period, and select first-time Premium subscribers who link direct deposit when requesting their first BoostCash™ advance. Multiple free trial offers cannot be combined. If applicable, after your free trial period your Boost Money™ Spend account will be charged $9.99/month unless you cancel before then in Profile & Settings -> My Subscription. If you are a returning Boost Money™ customer, you will be charged the $9.99 fee immediately upon re-subscribing. Cancel anytime. Eligibility for coverage begins on the date you enroll in the Premium subscription plan. In the event you cancel your Premium subscription, Retail and Travel Protection Benefits, and Personal Identity Theft coverage will terminate when your Premium subscription ends. Premium subscription fee amount is subject to change. Premium subscription is not available in all states. See Premium Terms and Conditions for more information.

** For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of October 31, 2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Performance Savings Deposit Account Agreement and Truth in Savings Disclosure.

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