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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 5.21% APY4 Everyday Savings account and reach your goals faster
FDIC insured up to $250,000 through Cross River Bank, Member FDIC
Rewards Checking

Unlimited Cash Back on Debit Charges

2% Cash back on common everyday expenses22

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

1% Cash back on 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 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 5.21% APY4, 10x the national average5

No minimum balance, no monthly feeds, easy transfer between accounts6

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


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


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

Not for payments. Payment address can be found here.

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