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Upgrade to Rewards Checking

Earn a $100 bonus after your first 3 debit transactions*

Cash Back

Common everyday expenses2

Cash Back

Everything else2

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

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

Open Account
FDIC insured up to $250,000 through Cross River Bank, Member FDIC
Rewards Checking

Unlimited Cash Back on Debit Charges

Cash Back

Common everyday expenses2

Convenience and drug stores

Merchant examples: CVS, Walgreens, Rite Aid

Gas stations

Merchant examples: Shell, Chevron, ExxonMobile, Speedway

Monthly subscriptions

Merchant examples: Netflix, SiriusXM, Spotify, DisneyPlus


Merchant examples: McDonalds, UberEats, Chipotle, Starbucks

Utilities, phone

Merchant examples: AT&T, Tmobile, VerizonWireless, Cricket Wireless

Cash Back

Everything else2

Unlimited 1% cash back on all other charges

Merchants set their own category codes and therefore purchases may not appear in categories as expected. The listed merchants are examples of companies where purchases made at these companies will typically appear in the stated category as appropriate. Upgrade is in no way affiliated with these merchants or endorsing any of their products or services, nor are these merchants considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owners.2

Why Upgrade to Rewards Checking?

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

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

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 back2


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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