Skip to content
Rewards Checking Plus

The debit card with up to 2% cash back on purchases1

    No monthly fees
    It's quick, easy, and free to open an account
Rewards Checking Plus is FDIC-insured up to $250,000 through Cross River Bank, Member FDIC.

Maximize your rewards with a $1,000 monthly direct deposit

Even more benefits with $1,000 monthly direct deposit²

Higher Rates (APY) on Savings⁴

Add a Performance Savings account when you open your checking account to earn up to 5.21% APY.

Up to 2% Cash Back¹

On common everyday expenses, recurring payments and subscriptions. Unlimited 1% cash back on all other purchases.

Mobile Check Deposits

Deposit checks right from your mobile phone.

Lower Rates on New Loans & Cards⁵

10%-20% lower interest rates on loans & cards through Upgrade.

All customers enjoy

Get paid up to 2 days early with direct deposit⁶

Pay bills, go shopping, or have a night out!

No Overdraft Fees³

We have safeguards to prevent you from overspending, but on the rare chance it happens, we won't charge you any fees.

No Monthly Fees

No recurring fees just to access and manage your account.

Cash back on debit purchases¹

Earn up to 1% cash back every time use your debit card for purchases, payments and subscriptions.

Reach your goals faster with a Performance Savings Account

Pair Performance Savings with Rewards Checking Plus

0.45% APY⁸

National savings average




Rewards Checking Plus

With performance savings4




Rewards Checking Plus

With performance savings + $1000 direct deposit4

Instant transfers between Upgrade checking and savings accounts
FDIC or NCUA Insured up to $250,000*
No minimum balance requirements
No monthly fees

Manage your money on the go

    Secure 24/7 access to your money
    View balances, transfer money between accounts
    You’re in control. Set up real-time alerts
Apple App StoreGoogle Play Store
application illustrations

Allpoint® ATM Network

Explore our expansive fee-free ATM network9 through our partnership with Allpoint®, featuring over 55,000 locations nationwide. Conveniently access your cash without fees at popular retail spots like Walgreens® and CVS Pharmacy®.

Upgrade shopping powered by dosh®

Up to 10% cash back at select stores⁷

Shop at over 10,000 stores in our app to earn additional rewards on debit card purchases.

From our customers

Amazing helpful place with easy self service! 100% recommend these guys to anyone looking for help.

Alma Lihic

From Upgrade Customers

How it Works


Apply for 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.¹

Where can you earn up to 2% Cash Back?

Convenience and Drug Stores
Gas Stations
Monthly Subscriptions


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