The debit card with up to 2% cash back on purchases¹

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!⁴

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.

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.

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 4.14% APY³
• Access to mobile check deposit feature
• 10%-20% lower interest rates on loans & cards through Upgrade

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.