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Updated: 08/28/2025


Eligibility for BoostCashTM

Upgrade MoneyTM customers may access BoostCashTM advances by meeting the requirements below. Advance amounts vary and are subject to eligibility and approval.

To determine whether you are eligible, we consider the following:

1. Are you in an eligible state?

You must be a resident of one of the following states to be eligible for BoostCashTM: AL, AK, AZ, AR, CA, CO, DE, FL, HI, ID, IN, KS, KY, LA, MD, MA, MI, MS, MO, MT, NE, NJ, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WY

2. Are you receiving Eligible Direct Deposits?

To be an Eligible direct deposit: "Eligible Direct Deposits" is a deposit to your Checking Account opened through Upgrade by Automated Clearing House (“ACH”) or real-time payment (“RTP”)  that you receive on a regular schedule, such as weekly, monthly, every two weeks or any other schedule we are able to detect from your employer, payroll, or benefits provider, or gig economy payer OR a deposit by Original Credit Transaction (“OCT”) from your gig economy payer in the amount or with the evidence described below. Deposits must come from one source, i.e. one employer or one payer. One-time direct deposits, including tax refunds, bank cash transfer, bank verification or trial deposits, peer-to-peer transfers from services, such as PayPal or Venmo, merchant transactions, mobile check deposits, and cash loads or deposits are not Eligible Direct Deposits.

Below outlines the amount of eligible direct deposits you may need to receive your first cash advance or subsequent cash advances. These requirements or offers may change from time to time. Offers are subject to approval.

Amount or evidence of Eligible Direct Deposit What it makes you eligible for
For first time customers with no direct deposit history, you successfully switch your future eligible direct deposit of $500 or more via the Upgrade platform from any party described above to your checking account opened through Upgrade.
  • First time cash advance starting at $25.
  • Offer is available for up to 30 days after you switch your eligible direct deposit.

For first time and returning customers, you received only one eligible direct deposit from any party described above to your Upgrade Checking account and:

  • Your eligible direct deposit was at least $500 AND
  • Your last Direct Deposit is within 14 days.

If you have received more than one eligible direct deposit in the last 60 days, see below.

  • Cash advance starting at $25 or more.

For first time and returning customers, you are receiving eligible direct deposits from any party described above to your checking account through Upgrade and:

  • Your eligible direct deposit is at least $500; OR
  • Your eligible direct deposit total deposits in the last 30 days are $1,000 or more AND
  • Your latest eligible direct deposit is within your regular schedule i.e. within 7, 14, 15, 30 days.

If you’ve  only received one eligible direct deposit, then we consider your regular schedule to be 14 days.

Cash advance starting at $25 or more.
If you do not meet any of the above eligibility requirements, you will lose your eligibility

3. Are you in Good Standing with Upgrade generally, not delinquent or negative on any accounts through Upgrade, or have any recent Bankruptcies?

You must be in good standing to be eligible for BoostCashTM. To determine your standing your account activity for any products offered through Upgrade (such as other deposit accounts, cards, or loans) is reviewed, including, but not limited to any holds, suspensions, or other restrictions, negative balances, delinquent accounts, charge offs and bankruptcies, as well as any other unusual activities.

Subject to Revisions

We may change and update these requirements from time to time, including what is considered an “eligible direct deposit” at our bank partner’s sole discretion. All changes are effective immediately when we post them on this page. We may notify you of any such change when required by applicable law. Please check this page regularly so you are aware of any changes.