Upgrade to Rewards Checking
Common everyday expenses2
No ATM fees, no account fees, no transfer fees1
Up to 20% lower rate on loans & cards through Upgrade3
Unlimited Cash Back on Debit Charges
Common everyday expenses2
Convenience, grocery, and drug stores
Merchant examples: CVS, Walgreens, Rite Aid
Merchant examples: Shell, Chevron, ExxonMobile, Speedway
Merchant examples: Netflix, SiriusXM, Spotify, DisneyPlus
Merchant examples: McDonalds, UberEats, Chipotle, Starbucks
Merchant examples: AT&T, Tmobile, VerizonWireless, Cricket Wireless
Merchants set their own category codes and therefore purchases may not appear in categories as expected. The listed merchants are examples of companies where purchases made at these companies will typically appear in the stated category as appropriate. Upgrade is in no way affiliated with these merchants or endorsing any of their products or services, nor are these merchants considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owners.2
Why Upgrade to Rewards Checking?
No ATM fee, no account fee, no monthly or annual fee, no transfer fee, no overdraft fee1
2% cash back on common everyday expenses and recurring payments and unlimited 1% cash back on every other debit card charge2
The rate on your next loan or card through Upgrade will be up to 20% lower if you maintain an active Rewards Checking account3
How it Works
Open 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 debit card anywhere Visa® is accepted and earn up to 2% cash back2
Rewards Checking accounts are an easy way to upgrade your checking account experience. You’ll get an online checking account with no ATM fees, no account fees, and no transfer fees.1
When you use your Upgrade VISA® Debit Card for purchases, you’ll earn 2% cash back on common everyday expenses (up to $500 per calendar year) and 1% on everything else.2
And as an added bonus, Rewards Checking customers can receive discounts on new loans and cards through Upgrade!3
Yes! All money in your Rewards Checking account is FDIC-insured up to $250,000.
Upgrade is a financial technology company, not a bank. Rewards Checking services provided by Cross River Bank, Member FDIC.
You can use your Rewards Checking card wherever Visa® is accepted. It’s also easy to add your debit card to Apple Pay or Google Pay 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’ll earn 2% cash back on everyday expenses and 1% on everything else.2
Need cash? We’ve got you covered with our debit card and we charge no ATM fees.1
It’s also easy to link an external bank account and transfer money between accounts if you need to. Simply sign in to your Rewards Checking account and tap transfer at the bottom of your screen.