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FDIC Certificate Number: 58410

Upgrade is a financial technology company, not a bank. Bank services are provided by Cross River Bank, Member FDIC.


Checking Accounts

Bank APY with
Direct Deposit		 APY without
Direct Deposit		 Minimum Monthly
Direct Deposit		 Early
Paycheck?		 Online Bill Pay? Pay
Anyone?		 Check
Writing?
Upgrade Rewards Yes Yes Apply


Savings Accounts

Bank APY with
Direct Deposit		 APY without
Direct Deposit		 Minimum Monthly
Direct Deposit		 Minimum to
open account		 Minimum Daily
Balance		 Maximum Balance
eligible for APY		 Early
Paycheck?
Upgrade Performance 4.02% 1.50% $1,000.00 Apply


Cards

Credit Card Annual Fee Default Cashback Rate Foreign Transaction Fee Introductory APR on Purchases For Signup Bonus If you Spend In the first
Upgrade Cash Rewards $0 1.50% Apply
Upgrade Debit $0 1.00% 0.00% Apply
Upgrade Life Rewards $0 1.00% Apply
Upgrade OneCard $0 1.50% Apply
Upgrade Triple Cash Rewards $0 1.00% Apply



Past Bonus Offers

Bonus Offer Monthly Fees Start Date End Date Offer Details
Upgrade Rewards$200 if you complete direct deposits totaling $1,000.00 or more within 45 days of account opening.Jul 31, 2025Details
Upgrade Premier$25 if you complete $5,000.00 in deposits within 30 days of account opening.Jan 31, 2025Details
Upgrade Rewards$200 if you complete direct deposits totaling $1,000.00 or more within 45 days of account opening.Jan 6, 2025Details
Upgrade Rewards - Swagbucks$120 if you complete 2 or more direct deposits totaling $400.00 or more within 60 days of account opening.Dec 31, 2024Details
Upgrade Rewards$150 if you complete direct deposits totaling $1,000.00 or more within 45 days of account opening.May 15, 2024Details
Upgrade Rewards$50 if you complete direct deposits totaling $1,000.00 or more within 45 days of account opening.Jul 10, 2023Details
Upgrade Rewards$50 if you complete 3 or more debit transactions within 60 days of account opening.May 26, 2023Details
Upgrade Rewards$200 if you complete 3 or more debit transactions within 60 days of account opening.Mar 31, 2023Details




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