Upgrade to Rewards Checking

  • No ATM fees, no account fees, no transfer fees

  • 2% cash back on common everyday expenses, 1% on everything else

  • Up to 20% lower rate on Upgrade loans & cards

Get Started!
FDIC insured up to $250,000

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."
Bobby R.
Upgrade Customer
No Fees
No Fees

No ATM fee, no account fee, no monthly or annual fee, no transfer fee, no overdraft fee1

Up to 2% Cash Back
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 Upgrade Loans & Cards
Lower Rates on Upgrade Loans & Cards

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

  1. Open an account online in just a few minutes.
  2. Set up direct deposit. We'll provide a direct deposit switch form, all you have to do is give it to your employer.
  3. Use your Upgrade debit card anywhere Visa® is accepted for cash back.


What is a Rewards Checking account?
Is money deposited in my Rewards Checking account FDIC insured?
How do I access my money?

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

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