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Upgrading your finances has never been easier.

Our switch kit makes it easy to close your existing accounts and transfer your automatic deposits and withdrawals. Upgrade to Rewards Checking Plus today!
Rewards Checking Plus is FDIC-insured up to $250,000 through Cross River Bank, Member FDIC.
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 4.69% 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 and submit it to your former bank.

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
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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 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.

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.

*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 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 4.69% APY with monthly $1000 direct deposit. The APY for Active Accounts is effective as of September 23, 2024, 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.

3 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.

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. Apple, Apple Pay®, and the Apple logo are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc. Google, Google Wallet™ and the Google logo are trademarks of Google Inc.

Copyright 2024 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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