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Rewards Checking Plus

Maximize your rewards with direct deposit1

  • Up to 2% cash back on purchases2
  • Add Performance Savings to earn up to 5.07% APY3
  • Get paid up to 2 days early4
  • No monthly fees
Open Account
Rewards Checking Plus is FDIC-insured up to $250,000 through Cross River Bank, Member FDIC.
Rewards Checking

Why upgrade to Rewards Checking Plus?

No monthly fees

No monthly fees and no overdraft fees5. Plus get reimbursed for ATM fees with an active account

Up to 2% cash back

Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000 direct deposit, and up to 1% cash back for other purchases2. Finally, a debit card with outstanding rewards!

Get paid up to two days early

Customers with direct deposit can get paid up to two days early4 - pay bills, go shopping, or have a night out!

Get Started

Up to 2% cash back on common everyday expenses2

Convenience and drug stores
Merchant examples: CVS, Walgreens, Rite Aid
Gas stations
Merchant examples: Shell, Chevron, ExxonMobil, Speedway
Monthly subscriptions
Merchant examples: Netflix, SiriusXM, Spotify, DisneyPlus
Restaurants
Merchant examples: McDonalds, UberEats, Chipotle, Starbucks
Utilities, phone
Merchant examples: AT&T, T-Mobile, Verizon Wireless, Cricket Wireless

1% cash back on everything else2

Unlimited 1% cash back on all other charges with direct deposit
Merchants set their own category codes and therefore purchases may not appear in categories as expected. The listed merchants are examples of companies where purchases made at these companies will typically appear in the stated category as appropriate. Upgrade is in no way affiliated with these merchants or endorsing any of their products or services, nor are these merchants considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owners.2

Pair Performance Savings with Rewards Checking Plus

Add a Performance Savings account and reach your goals faster
Earn 5.07% Annual Percentage Yield (APY) with an active account and monthly $1,000 direct deposit, or 1.50% APY3
No minimum balance, no monthly fees, transfers between accounts7
Get Started

From Upgrade Customers

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"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

How it Works

1

Open an account online in just a few minutes.

2

Fund your account with the click of a button or set up direct deposit to have your paycheck deposited automatically each pay period.

3

Use your Rewards Checking Plus debit card anywhere Visa® is accepted and earn up to 2% cash back.2

FAQ

What is a Rewards Checking Plus account?
Is money deposited in my Rewards Checking Plus or Performance Savings account FDIC-insured?
How do I access my money?
How do I set up direct deposit?
Why should I set up direct deposit?
How does early paycheck work?

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

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

* When you sign up for a Performance Savings Account, Cross River Bank, Member FDIC, will open a savings deposit account under the terms of your Savings Deposit Account Agreement. When you open your Savings Account, you will also enter into a Deposit Program Custodial Agreement. As long as you maintain an Active Account, you may be eligible to participate in the Custodial Deposit Program through your Performance Savings Account. The Custodial Deposit Program is offered by Upgrade and Cross River Bank, through which the Bank may, as your agent and custodian, place some or all of the funds in your Account into an account at another depository institution or a credit union (each, a “Participating Institution”). Each Participating Institution is either an insured depository institution at which deposits are insured by the FDIC or a credit union at which share accounts are insured by the NCUA Share Insurance Fund, subject to applicable limits. Your funds at Cross River Bank and at a Participating Institution are eligible for FDIC or NCUA insurance coverage up to $250,000 per ownership category and per institution. You will be responsible for monitoring the total amount of deposits that you hold with Cross River Bank and any Participating Institution to determine the extent of FDIC or NCUA insurance coverage available to you. You will be able to check your Upgrade dashboard to determine the amount of your funds on deposit at Cross River Bank and any Participating Institution. For more information, please refer to the Cross River Bank Savings Deposit Account Agreement and the Deposit Program Custodial Agreement.

1 Active Accounts with a monthly direct deposit of $1000 are eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards, ATM fee reimbursement, and more. See the Active Account page for more information.

2 Rewards Checking Plus customers who set up monthly direct deposits of $1,000 or more 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 purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.

3 The 1.5% Annual Percentage Yield (APY) for the Performance Savings account is effective as of June 1, 2023. The APY for the Performance Savings account is variable and may change at any time. Active Accounts qualify for 5.07% APY with monthly $1000 direct deposit. The APY for Active Accounts is effective as of September 1, 2023, is variable, and may change at any time. Please refer to the applicable Cross River Bank Performance Savings Deposit Account Agreement and Truth in Savings Disclosure.

To earn APY, you must open and fund a Performance Savings account. Rewards Checking Plus accounts do not earn APY.

4 Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.

5 There are no overdraft fees or annual fees associated with Rewards Checking Plus accounts. Rewards Checking Plus 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. For Active Accounts, Upgrade will rebate ATM fees charged by another institution for debit card withdrawals in the United States, up to five times per calendar month. To be eligible to receive third-party ATM fee rebates in any calendar month for eligible ATM withdrawals made during that month on a Rewards Checking Plus account, the account must be an Active Account in the prior calendar month. See the Active Account page for more information. As a courtesy to new customers, Upgrade will provide third-party ATM fee rebates for 60 days after account opening regardless of account user status. Some limitations apply. Please refer to the applicable Cross River Bank Checking Deposit Account Agreement and Upgrade VISA® Debit Card Agreement and Disclosures for more information.

6 The interest rate on a new loan or credit line through Upgrade may be up to 20% lower than would otherwise be applicable without this discount, as long as you have an active Rewards Checking Plus account as described here. Other terms and conditions may apply. Please refer to the applicable Truth-in-Lending Disclosure and Loan Agreement.

7 Performance Savings account is only available to current customers with a Rewards Checking Plus account through Upgrade. Funds withdrawals are subject to threshold limits. For example, you may be limited from withdrawing funds to external bank accounts, and may only withdraw to the source account that they were deposited from, for 60 days after the original transfer date of those funds. See the applicable Savings Deposit Account Agreement and Truth in Savings Disclosure for additional information.

Copyright 2023 Upgrade, Inc.
All rights reserved.

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.

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