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Upgrading your finances has never been easier.
  • Up to 2% cash back on everyday purchases¹
  • It's quick, easy, and free to open an account
Up to $250,000 in FDIC or NCUA insurance through Cross River Bank or Participating Institutions. See disclosures below.*
up to 2% cash back

Why make the switch?

Enjoy premium benefits when you switch to Rewards Checking Plus and set up a monthly direct deposit of $1,000 or more!

High tier benefits with a monthly direct deposit of $1,000 or more.¹

Higher Rates (APY) on Savings

Add a Performance Savings account when you open your checking account to earn up to 4.02% APY.²

Up to 2% Cash Back³

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 & Cards

10%-20% lower interest rates on loans & cards through Upgrade.⁴

It’s as easy as 1-2-3

Once your account has been opened, you'll receive a link to the switch kit to guide you through the steps below.

    1. Set up direct deposit

    Easily set up direct deposit with our automated tool, simple authorization form, or manually enter your Upgrade account information to your payroll provider.

    1. Transfer automatic payments

    Transfer all automatic payments so that they come from your Upgrade Visa® Debit Card or Rewards Checking Plus account.

    1. Close your old account

    After verifying that all outstanding transactions have completed, submit an account closing letter to your former account holder.

Don’t have an Upgrade account yet?

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
Download the Upgrade app for iOSGet the Upgrade app for Android
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Need Assistance?

Thinking about switching to Upgrade? Our support team is here to help. Whether you have questions about our services or need guidance on how to make the switch, reach out to us anytime at

depositsupport@upgrade.com
Rewards Checking Plus
The debit card with up to 2% cash back on purchases³
  • No monthly maintenance fees
  • It's quick, easy, and free to open an account
Up to $250,000 in FDIC or NCUA insurance through Cross River Bank or Participating Institutions. See disclosures below.*

FAQ

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

Not for payments. Payment address can be found here.

For 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.

*Checking accounts are insured up to $250,000 in FDIC insurance through Cross River Bank. Deposits to Performance Savings and/or Secured OneCard Savings Accounts are eligible for FDIC and/or NCUA deposit insurance up to $250,000 through Cross River Bank, Member FDIC and Participating Institutions. Learn more about the Custodial Program and Participating Institutions for Performance Savings or Secured OneCard Savings Account.  Cross River Bank may place some or all of the funds held in your savings account(s) into an account at one or more other Participating Institutions. Each Participating Institution is either (1) a FDIC-insured depository institution that only covers the failure of insured banks, or (2) a credit union that is eligible for insurance through the NCUA Share Insurance Fund if the credit union fails. Funds are insured up to $250,000 per ownership category and per institution. Certain conditions must be satisfied for FDIC deposit insurance coverage to apply to any funds held at a FDIC-insured depository institution. Upgrade is not a bank and is not FDIC insured. You are responsible for monitoring where your deposits are held (available in your Upgrade dashboard) to determine the extent of FDIC and/ or NCUA insurance coverage available to you.

1 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.

2 Active Accounts with a monthly direct deposit of at least $1000 are eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards, and more. See the Active Account page 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 4.02% APY with monthly $1000 direct deposit. The APY for Active Accounts is effective as of March 24, 2025, 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 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.

Copyright 2025 Upgrade, Inc.
All rights reserved.

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners. Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. Upgrade is a financial technology company, not a bank.

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