Skip to content

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
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!

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
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

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

How it Works


Open an account online in just a few minutes.


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


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


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

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at

For other inquiries, contact us at