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How do I open a Rewards Checking Preferred account?

Opening a Rewards Checking Preferred account is easy and can be done completely online via upgrade.com or the Upgrade app.

  1. Complete an application, including providing information necessary to verify your identity and open your account.
  2. Add funds so you can start using your account. Take advantage of all account features and benefits for Active Accounts by setting up at least $1000 in monthly recurring direct deposit.
  3. Use your Upgrade Visa® Debit Card to make purchases anywhere Visa is accepted and begin earning cashback.