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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 4.41% APY4 Everyday Savings account and reach your goals faster
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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
Restaurants
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 4.41% APY4, 10x the national average5
No minimum balance, no monthly feeds, easy transfer between accounts6
Get Started

From Upgrade Customers

Trustpilot
"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 back.2

FAQ

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

Not for payments. Payment address can be found here.

For inquiries, contact us at
moc.edargpu@tcatnoc

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

1 There are no account fees, overdraft fees, annual fees, or transfer fees associated with Rewards Checking accounts. Rewards Checking charges no ATM fees, but third-party institutions may charge you a fee if you use their ATM/network or if you use your Upgrade Visa® Debit Card internationally. Upgrade will rebate any ATM fee charged by another institution for debit card withdrawals in the United States, up to five times per calendar month. To be eligible to receive third-party ATM fee rebates in any calendar month for eligible ATM withdrawals made during that month, customers must maintain a qualifying active Rewards Checking account as described here in the prior calendar month. As a courtesy to new customers, Upgrade will provide third-party ATM fee rebates for up to the first two calendar months after account opening regardless of account activity. Some limitations apply. Please refer to the applicable Cross River Bank Deposit Account Agreement and Upgrade Visa® Debit Card Agreement and Disclosures for more information.

2 Rewards Checking customers earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars - including deliveries - and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card charges. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card charges for the remainder of the year. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

3 The interest rate on a new loan or credit line through Upgrade may be up to 20% lower than would otherwise be applicable without this discount, as long as you have an active Rewards Checking Account as described here. Other terms and conditions may apply. Please refer to the applicable Truth-in-Lending Disclosure and Loan Agreement.

4 This Annual Percentage Yield (APY) is effective as of November 12, 2024. The APY for the Everyday Savings account is variable and may change at any time.

5 The average national savings account interest rate of 0.39% is determined by the FDIC as of April 17, 2023 (FDIC National Rates).

6 Everyday Savings account is only available to current customers with a Rewards Checking account through Upgrade. Outbound account transfers from the Everyday Savings account may only be made to your Rewards Checking account through Upgrade.

Copyright 2025 Upgrade, Inc.
All rights reserved.

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners. Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. Upgrade is a financial technology company, not a bank.

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