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 loans & cards though Upgrade

Get Started!
FDIC insured up to $250,000 through Cross River Bank, Member FDIC

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 New Loans & Cards
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

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


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

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Not for payments. Payment address can be found here.

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