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

Rewards Checking Preferred accounts are an easy way to upgrade your checking account experience. You’ll get an online checking account with no monthly maintenance fees.

You can maximize your rewards with an Active Account with monthly $1,000 direct deposit. When you use your Upgrade Visa® Debit Card for purchases, you can earn up to 2% cash back on common everyday expenses (maximum of $500 in 2% rewards per calendar year) with direct deposit.

Yes! Deposits are insured up to $250,000 in FDIC or NCUA insurance through Cross River Bank or Participating Institutions. See disclosures below.*

You can use your Rewards Checking Preferred Upgrade Visa® Debit Card wherever Visa® is accepted. It’s also easy to add your debit card to Apple Pay® or Google Wallet™ so you can take advantage of contactless technology and pay with your device at participating merchants. When you use your debit card (or your mobile wallet) for purchases, you can earn up to 2% cash back on common everyday expenses (maximum of $500 in 2% rewards per calendar year).

Need cash? Use your debit card.

You can link an external bank account and transfer money between accounts. Simply sign in to your Rewards Checking Preferred account and tap transfer at the bottom of your screen.

Setting up direct deposit is easy! Start by signing into your Upgrade account. From your Rewards Checking Preferred account dashboard, click “Deposit”, then “Direct Deposit”.

From here, you have two options:

1. You can set up direct deposit automatically - all you have to do is find your payroll company or employer and provide your login credentials OR,
2. You can set up direct deposit manually by generating a pre-filled letter to send to your employer’s payroll department.

And you're done!

When you set up direct deposit, you are trusting your paycheck with us. Our aim is to repay that trust by offering you top tier rewards and account benefits.

The following top tier benefits are available to customers with $1,000 in monthly direct deposits:

• Up to 2% cash back on purchases
• Add Performance Savings to earn up to 3.05% APY
• Access to mobile check deposit feature

Set up direct deposit, maximize your account benefits, and enjoy using your debit card with rewards!

Customers who set up direct deposit can get paid up to two days early to pay bills, go shopping, or have a night out!

In order to take advantage and access your funds up to 2 days early, you must:

• Open a deposit account through Upgrade (Rewards Checking, Everyday Savings, Premier Savings)
• Set up direct deposit into your deposit account, and
• Receive less than $5,000 per direct deposit into your deposit account

Access your paycheck sooner and start using your debit card with rewards!

Upgrade cannot guarantee that you will receive your direct deposit early. The timeframe for you to receive your direct deposit is entirely dependent on when your employer initiates the payroll payment. Cross River Bank will make the funds available in your account when the ACH file is received, which can be up to 2 days prior to the deposit date.

Joint accounts are available to new Upgrade customers or existing Rewards Checking Preferred, and Premier Savings customers. Additionally, joint accounts can only be opened with one other person. For example, if you open a joint checking account with one person, that same individual will be the only person you can open a joint savings account with. You won't be able to open a joint account with anyone else.