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
Pair with a 3.75% APY4 Everyday Savings account and reach your goals faster
Unlimited Cash Back on Debit Charges
2% Common everyday expenses
Convenience and drug stores
1% Everything else
Why upgrade to Rewards Checking?
No ATM fee, no account fee, no monthly or annual fee, no transfer fee, no overdraft fee1
Up to 2% Cash Back
2% cash back on common everyday expenses and recurring payments and unlimited 1% cash back on every other debit card charge2
Lower Rates on New Loans & Cards
The rate on your next loan or card through Upgrade will be up to 20% lower if you maintain an active Rewards Checking account3
Pair Everyday Savings with Rewards Checking
Add an Everyday Savings Account when you open your Rewards Checking through Upgrade and reach your goals faster
We offer 3.75% Annual Percentage Yield (APY)4, 11x the national average5
No minimum balance, no monthly fees, easy transfer between accounts6
"I have had nothing but the best customer service ever since I became part of the Upgrade family. Keep up the excellent work and customer service."
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 back.2