Upgrade to Rewards Checking
Common everyday expenses2
- No ATM fees, no account fees, no transfer fees1
- Up to 20% lower rate on loans & cards through Upgrade3
- Pair with a 2.50% APY4 Everyday Savings account and reach your goals faster
Unlimited Cash Back on Debit Charges
2%% Cash back on common everyday expenses2
Convenience and drug stores
1%% Cash back on everything else
Why upgrade to Rewards Checking?
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
Unlock additional benefits with Everyday Savings
Pair with an Everyday Savings account and reach your goals faster
We offer 2.5% APY4, 15x the national average5
No minimum balance, no monthly feeds, easy transfer between accounts6
"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
Open an account online in just a few minutes.
Fund your account with the click of a button or set up direct deposit to have your paycheck deposited automatically each pay period.
Use your Rewards Checking debit card anywhere Visa® is accepted and earn up to 2% cash back.2