Upgrade to Rewards Checking
No ATM fees, no account fees, no transfer fees1
2% cash back on common everyday expenses, 1% on everything else2
Up to 20% lower rate on Upgrade loans & cards3
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 Upgrade loan or card 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.
- Set up direct deposit. We'll provide a direct deposit switch form, all you have to do is give it to your employer.
- Use your Upgrade debit card anywhere Visa® is accepted for cash back.
Rewards Checking accounts are an easy way to upgrade your banking 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 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 Upgrade loans!3
Yes! All money in your Rewards Checking account up to $250,000 is FDIC-insured.
Rewards Checking accounts 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.