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Welcome

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    Up to 2% cash back on purchases1
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    Get paid up to two days early with direct deposit2
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    No monthly maintenance fees

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

1Rewards Checking Preferred Accounts: Rewards Checking Preferred customers who set up monthly Eligible Direct Deposits of at least $1,000 within sixty (60) days after account opening earn 2% cash back on purchases in eligible categories including: convenience stores, drugstores, restaurants and bars (including deliveries), gas stations, utilities (including electric, gas, sanitary and water) and monthly subscriptions (including phone, cable, TV and other streaming services). Excluded purchase categories and excluded recurring payments include, but are not limited to: grocery stores and supermarkets (including affiliated gas stations), travel purchases, medical bills, retailers and online merchants, rent, mortgage, insurance, car payments, or other monthly subscriptions or bills. 2% cash back rewards are limited to $500 in rewards per calendar year ($25,000 in eligible category purchases). Rewards Checking Preferred accounts with less than $1,000 in monthly Eligible Direct Deposits sixty (60) days after account opening will not earn any cash back. To learn about eligible categories, exclusions and other terms please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

Rewards Checking Plus Accounts: Rewards Checking Plus customers who set-up monthly direct deposits of $1,000 or more 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 purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

Rewards Checking Accounts: Rewards Checking customers accrue 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 (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 . Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

2 Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.

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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