Yes! The Upgrade app is available on both Google Play and the Apple App Store. Download the app at the top of the page to get started.

Upgrade account holders can get access to features like autopay, 24/7 access to their accounts, and custom notifications. Additional features include secure sign-on and automatic sign-off, credit health monitoring, and secure money transfers. Rewards Checking Plus account holders can access the mobile check deposit feature.

No. You do not need to submit to a credit check to get the Upgrade app. However, a credit check may be required to open some account types through Upgrade.

You can apply for an Upgrade card, personal loan, savings, or checking account directly on our website. Checking your rate is free, won't impact your credit score, and only takes a couple minutes.

Upgrade is a financial technology company, not a bank. Checking and savings 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.

Personal Loans and Auto Refinance Loans are made by Upgrade's bank partners. Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender.

Personal Credit Lines are made by Cross River Bank, Member FDIC. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc.