Rewards Checking Plus accounts are an easy way to upgrade your checking account experience. You’ll get an online checking account with no monthly fees.

You can maximize your rewards with an Active Account with monthly $1,000 direct deposit. When you use your Upgrade VISA® Debit Card for purchases, you can earn up to 2% cash back on common everyday expenses (maximum of $500 in 2% rewards per calendar year) and unlimited 1% cash back on all other eligible debit card purchases, including on common everyday expenses after the $500 maximum with direct deposit.¹

And as an added bonus, Rewards Checking Plus customers may receive discounts on new loans and cards through Upgrade!⁵

Yes! Deposits held at Cross River Bank, Member FDIC, insured up to $250,000. For Performance Savings, funds at participating institutions are eligible for FDIC or NCUA insurance.*

Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by Cross River Bank, Member FDIC.

You can use your Rewards Checking Plus Upgrade VISA® Debit Card wherever Visa® is accepted. It’s also easy to add your debit card to Apple Pay ® or Google PayTM so you can take advantage of contactless technology and pay with your device at participating merchants. When you use your debit card (or your mobile wallet) for purchases, you can earn up to 2% cash back on common everyday expenses (maximum of $500 in 2% rewards per calendar year) and unlimited 1% cash back on all other eligible debit card purchases, including on common everyday expenses after the $500 maximum with direct deposit.¹

Need cash? Use your debit card.

You can link an external bank account and transfer money between accounts. Simply sign in to your Rewards Checking Plus account and tap transfer at the bottom of your screen.

Setting up direct deposit is easy! Start by signing into your Upgrade account. From your Rewards Checking Plus account dashboard, click “Deposit”, then “Direct Deposit”.

From here, you have two options:

1. You can set up direct deposit automatically - all you have to do is find your payroll company or employer and provide your login credentials OR,
2. You can set up direct deposit manually by generating a pre-filled letter to send to your employer’s payroll department.

When you set up direct deposit, you are trusting your paycheck with us. Our aim is to repay that trust by offering you top tier rewards and account benefits.

The following top tier benefits are available to customers with $1,000 in monthly direct deposits¹:

• Up to 2% cash back on purchases¹
• Add Performance Savings to earn up to 5.21% APY⁴
• Access to mobile check deposit feature
• 10%-20% lower interest rates on loans & cards through Upgrade