Upgrade to Rewards Checking
Cash Back
Common everyday expenses2
Cash Back
Everything else2
- No ATM fees, no account fees, no transfer fees1
- Up to 20% lower rate on loans & cards through Upgrade3
- Pair with a 4.00% APY4 Everyday Savings account and reach your goals faster

Unlimited Cash Back on Debit Charges
2% Common everyday expenses

Convenience and drug stores

Gas stations

Monthly subscriptions

Restaurants

Utilities, phone
1% Everything else
Why upgrade to Rewards Checking?
No Fees
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 Upgrade6 and reach your goals faster
We offer 4.00% Annual Percentage Yield (APY)4, 11x the national average5
No minimum balance, no monthly fees, transfers between accounts
From Upgrade Customers
"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
1
Open an account online in just a few minutes.
2
Fund your account with the click of a button or set up direct deposit to have your paycheck deposited automatically each pay period.
3
Use your Rewards Checking debit card anywhere Visa® is accepted and earn up to 2% cash back.2