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Last Updated: 01/21/2026

Upgrade - Rewards Checking Plus

in Checking Accounts from Upgrade Inc

Last Updated: 01/21/2026

Strongly recommended30 total votes

25 users recommend

3 users are unsure

2 users don't recommend

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Highlights

Community Rating

Strongly recommended

Welcome Offer

N/A

Cashback Rewards

0.5% - 2%

Disclaimer popup with additional information

APY (Annual Percentage Yield)

0%(Verified 12/15/2024)

Disclaimer popup with additional information

Monthly Service Fee

$0(Verified 01/21/2026)

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Number of Reviews

Upgrade - Rewards Checking Plus Review

The Upgrade - Rewards Checking Plus is offered through Upgrade Inc, a nonbank financial services provider founded in 2016 and based in San Francisco, CA. It is made possible by a bank partnership with Cross River Bank, Member FDIC. Upgrade Visa® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.. Upgrade Rewards Checking Plus is available in 50 states and Washington, DC.

Key Takeaways

Up to 2% cash back. Upgrade - Rewards Checking Plus offers rewards on purchases (see terms and conditions here for full details).
0% APY. As with most checking accounts, Upgrade - Rewards Checking Plus does not pay interest.
Supports joint accounts. This allows two people to have equal authority over the management of an account.
No monthly maintenance fees. This account does not charge any monthly account fees.
No minimum initial deposit. There is no minimum balance required to open an account online.
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Upgrade Inc mobile or online banking.

Upgrade Rewards Checking Plus Pros & Cons

Pros

Cons

Up to 2% cash back on debit purchases¹
No monthly fees²
Get paid up to 2 days early³
Maximize your rewards with direct deposit⁴
Joint accounts available.
Available in 50 states and Washington, DC.
Debit card and the option to lock/unlock the card if lost or stolen
Access to a nationwide network of ATMs.
No charge on incoming domestic wire transfers.

No signup bonus.
Does not earn interest
Online-only account with no access to physical branches.
Does not offer mobile check deposits.
Charges a fee on out-of-network ATM transactions.

Upgrade Rewards Checking Plus FAQ

Are Upgrade - Rewards Checking Plus deposits federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) through Cross River Bank, Member FDIC. Upgrade Visa® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. . The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Upgrade Rewards Checking Plus offer?

Upgrade Rewards Checking Plus is not an interest-bearing account.

What are the account minimums for Upgrade Rewards Checking Plus?

Upgrade Rewards Checking Plus does not require a minimum initial deposit.

Upgrade - Rewards Checking Plus Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Minimum Opening Deposit

What fees does Upgrade Rewards Checking Plus charge?

The good news is that this account does not have a monthly Service Charge.

Upgrade - Rewards Checking Plus Fees

Description

Monthly Service Fee

ATM Fee: Out-of-Network (within the U.S.)

$2.50

Overdraft Item Fee

Starting at $0

Card Replacement Fee (Standard Delivery)

Starting at $0

Online Bill Pay Fee

Starting at $0

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $20 (see terms and conditions)

Wire Transfer Fee - US Domestic (Incoming)

Starting at $0

Does Upgrade Rewards Checking Plus charge overdraft fees?

No, Upgrade Rewards Checking Plus does not charge overdraft fees.

What features and perks does Upgrade Rewards Checking Plus offer?

This account includes the following features:

Fraud monitoring - Upgrade Rewards Checking Plus monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Upgrade Rewards Checking Plus?

The customer support email for Upgrade Rewards Checking Plus is support@upgrade.com.

How do people rate the customer service and user experience of Upgrade Rewards Checking Plus?

Overall, Upgrade Rewards Checking Plus is strongly recommended based on community reviews that rate customer service and user experience.

Upgrade - Rewards Checking Plus Disclosure: ¹ 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. ² There are no overdraft fees or annual fees. Optional out-of-network ATM withdrawals are subject to a fee of $2.50, plus any third-party fees. Debit card transactions with merchants outside the U.S. or in a foreign currency are subject to a 3% fee. Outbound domestic wire transfers are subject to a fee of $20 after your first fee-free transfer per calendar month. Please refer to the applicable Cross River Bank Checking Deposit Account Agreement and Upgrade Visa® Debit Card Agreement and Disclosures for more information. ³Early 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. 4Active Accounts with a monthly direct deposit of $1000 are eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards and more. See the Active Account page for more information.

View Upgrade - Rewards Checking Plus's published terms & conditions

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Upgrade Rewards Checking Plus

Our goal is to offer an online and mobile banking experience that delivers exceptional value, including affordable loans and cards, and helps our customers make good financial decisions so they can build the future they want.

Upgrade’s founding team pioneered fintech 15 years ago. In 2017 we launched Upgrade to offer our users more value and a better experience than they receive from their traditional bank. In the last seven years, over 2.5 million people have applied for an Upgrade Card or loan through Upgrade, and we have made over $27 billion in affordable and responsible credit available to our customers. Our innovative Upgrade Card combines the flexibility of a credit card with the low cost of an installment loan. Our latest offering, Rewards Checking Plus, gives customers access to no-fee checking accounts with 2% cash back rewards on common everyday spending.

Contact

Headquarters

275 Battery Street

San Francisco, CA 94104

(844) 319-3909

Visit Site

Email Support

Hours of Operation

Sunday

6:00AM - 5:00PM

Monday

5:00AM - 7:00PM

Tuesday

5:00AM - 7:00PM

Wednesday

5:00AM - 7:00PM

Thursday

5:00AM - 7:00PM

Friday

5:00AM - 7:00PM

Saturday

6:00AM - 5:00PM

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +77, or 4.5 on a 5-point rating scale.

+77

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Upgrade - Rewards Checking Plus Community Reviews

Would you recommend Upgrade - Rewards Checking Plus to your friends?

Shawn M.

Oct 8, 2024

May or may not recommend

It is an adaptable program (AI). It adapts to the member.

Anonymous

May 2, 2024

May or may not recommend

they have to want it more than i want it for them

Anonymous

Feb 8, 2024

May or may not recommend

I just thank I can trust you hopefully I can

Anonymous

Feb 3, 2024

May or may not recommend

I hope this works cause I tried everything that I could think of

Anonymous

Feb 2, 2024

May or may not recommend

It is the best bank that meets what I was able to receive my rewards Jorge Levy

Jenny F.

Dec 21, 2023

May or may not recommend

Upgrade Rewards Checking Plus - Modern Banking, Rich Rewards Having experienced Upgrade Rewards Checking Plus, here's a brief review: Competitive Rewards: Cashback on everyday purchases. No-Fee Structure: Transparent and fee-free banking. Credit Monitoring: Free credit monitoring for financial awareness. Fast Loans: Quick access to flexible personal loans. User-Friendly App: Intuitive mobile app for easy navigation.

Yesmin A.

Nov 30, 2023

May or may not recommend

Upgrade Rewards Checking Plus offers excellent perks, seamless online access, and competitive interest rates. The account's cashback rewards, no-fee structure, and user-friendly interface make banking a rewarding experience. Highly recommend for those seeking a top-notch checking account.

Marissa

Oct 24, 2023

May or may not recommend

Upgrade, as far as I have experienced, has impressive interest rates offered. Its mobile app is also very user-friendly, and is a convenient tool for managing your account. Not to mention it provides access to a wide network of ATMS reducing or even eliminating ATM fees.

Scottmarketing

Jul 17, 2023

May or may not recommend

Update Checking Plus has revolutionized my banking experience. The user-friendly interface and intuitive features make managing my finances a breeze. The timely updates on transactions, balance notifications, and integrated bill payment have simplified my financial life. The customer support team is responsive and knowledgeable, providing swift assistance when needed. With Update Checking Plus, I feel in control of my money and confident in the security measures. It's the ideal banking ...Show More

Tamutswa M.

Jul 12, 2023

May or may not recommend

I recently had the opportunity to use Upgrade.com, and I must say it was a positive experience. Here are the key highlights: Upgrade.com's user-friendly interface and easy navigation made the process seamless. Their diverse loan options with competitive rates and flexible terms cater to various financial needs. The application process was hassle-free, and the quick approval and funding were impressive. The customer support team was professional and responsive, promptly addressing any inquiries. ...Show More

Michelle M.

Mar 3, 2023

May or may not recommend

I've had absolutely no problems with this online banking system! I got rewarded for signing up & the savings account interest rates are right up there with the best of the best! I was a little skeptical at 1st due to the unknown of online banking, but it definitely has it's upside! I recommend to anyone looking for a hassle free, fee free, high interest return investment checking or ...Show More

Mazhar C.

Nov 25, 2022

May or may not recommend

I recommended your service. i interested this website. Compared to the other banks. Their online self service website are super easy to use. It’s good if you just need somewhere to put money in. It doesn’t earn interest and I didn’t like that it didn’t have a mobile deposit feature. please focus this point.

Ronald W.

Oct 20, 2022

May or may not recommend

I love it this is always what I won't it

Aleena Y.

Oct 17, 2022

May or may not recommend

Natalie R.

Oct 15, 2022

May or may not recommend

My friend recommended Mr and days it's an amazing experience

Anonymous

Sep 4, 2022

May or may not recommend

I recommended your service. i interested this website .i realy like this website

Rin L.

Sep 3, 2022

May or may not recommend

I would recommend as it seems to be a good service based on other peoples reviews.

Casey H.

Aug 31, 2022

May or may not recommend

They will take your money from your bank very quickly and then wait a week for it to become available to you. It is a great concept to be able to get rewards on your purchases, but it is an unusable card. I put a transfer in on Friday. The funds pulled from my bank to theirs on Saturday. Upgrade showed my current balance adding the funds on Monday, but ...Show More

La Marr D.

Aug 6, 2022

May or may not recommend

I’m new here and if I enjoy it I will tell my friends about app

Sherry .

Jul 28, 2022

May or may not recommend

Upgrade RewardsChecking Easy to order and all secure. Compared to the other banks. Their online self service website are super easy to use. Every employee makes you feel like you are their priority.

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