- Up to 2% cash back on everyday purchases¹
- It's quick, easy, and free to open an account

Why make the switch?
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.
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.⁴It’s as easy as 1-2-3
- 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.
- Transfer automatic payments
Transfer all automatic payments so that they come from your Upgrade Visa® Debit Card or Rewards Checking Preferred account.
- 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?

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- No monthly maintenance fees
- It's quick, easy, and free to open an account