Maximize your rewards with a $1,000 monthly direct deposit
Even more benefits with $1,000 monthly direct deposit²
Higher Rates (APY) on Savings⁴
Add a Performance Savings account when you open your checking account to earn up to 4.41% APY.⁴
Up to 2% Cash Back¹
On common everyday expenses, recurring payments and subscriptions. Unlimited 1% cash back on all other purchases.
Mobile Check Deposits
Deposit checks right from your mobile phone.
Lower Rates on New Loans & Cards⁵
10%-20% lower interest rates on loans & cards through Upgrade.All customers enjoy
Get paid up to 2 days early with direct deposit⁶
Pay bills, go shopping, or have a night out!
No Overdraft Fees³
We have safeguards to prevent you from overspending, but on the rare chance it happens, we won't charge you any fees.
No Monthly Fees
No recurring fees just to access and manage your account.
Cash back on debit purchases¹
Earn up to 1% cash back every time use your debit card for purchases, payments and subscriptions.Reach your goals faster with a Performance Savings Account
Pair Performance Savings with Rewards Checking PlusNational savings average
Rewards Checking Plus
With performance savings4
Rewards Checking Plus
With performance savings + $1000 direct deposit4
Manage your money on the go
Joint Accounts New
New Rewards Checking Plus and Performance Savings accounts are available as a joint account for two account holders. To open a joint account, select this option when starting your application.
Allpoint® ATM Network
Explore our expansive fee-free ATM network9 through our partnership with Allpoint®, featuring over 55,000 locations nationwide. Conveniently access your cash without fees at popular retail spots like Walgreens® and CVS Pharmacy®.Upgrade shopping powered by dosh®
Up to 10% cash back at select stores⁷
Shop at over 10,000 stores in our app to earn additional rewards on debit card purchases.
From our customers
”Amazing helpful place with easy self service! 100% recommend these guys to anyone looking for help.”
From Upgrade Customers
How it Works
Apply for 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 Plus debit card anywhere Visa® is accepted and earn up to 2% cash back.¹
Where can you earn up to 2% Cash Back?
FAQ
- What is a Rewards Checking Plus account?
- 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
- Is money deposited in my Rewards Checking Plus or Performance Savings account FDIC insured?
- 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.
- How do I access my money?
- 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 Wallet™ 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.
- How do I set up direct deposit?
- 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:
- 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,
- You can set up direct deposit manually by generating a pre-filled letter to send to your employer’s payroll department.
- Why should I set up direct deposit?
- 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:
Set up direct deposit, maximize your account benefits, and enjoy using your debit card with rewards! - How does early paycheck work?
- Customers who set up direct deposit can get paid up to two days early to pay bills, go shopping, or have a night out!
In order to take advantage and access your funds up to 2 days early, you must:
- Open a deposit account through Upgrade (Rewards Checking, Everyday Savings, Premier Savings)
- Set up direct deposit into your deposit account, and
- Receive less than $5,000 per direct deposit into your deposit account
Upgrade cannot guarantee that you will receive your direct deposit early. The timeframe for you to receive your direct deposit is entirely dependent on when your employer initiates the payroll payment. Cross River Bank will make the funds available in your account when the ACH file is received, which can be up to 2 days prior to the deposit date.
- Who can open a joint account?
- Joint accounts are available to new Upgrade customers or existing Rewards Checking Plus, and Premier Savings customers. Additionally, joint accounts can only be opened with one other person. For example, if you open a joint checking account with one person, that same individual will be the only person you can open a joint savings account with. You won't be able to open a joint account with anyone else.