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Upgrade - Rewards Checking Plus
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| Community Rating | Strongly recommended |
| Cashback Rewards | 1% - 2% |
| APY (Annual Percentage Yield) |
0% (Verified 06/05/2023)
|
| Monthly Fee |
$0 (Verified 06/05/2023)
|
| Minimum Balance to Avoid Monthly Fee | $0 |
| Number of Reviews | 20 |
Upgrade - Rewards Checking Plus Review
Upgrade - Rewards Checking Plus is offered by 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.
- $0 monthly fee. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Upgrade - Rewards Checking Plus does not charge fees on ATM transactions.
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States through Upgrade Inc.
Upgrade Rewards Checking Plus Pros & Cons
| Pros | Cons |
|---|---|
|
|
Upgrade Rewards Checking Plus FAQ
Are Upgrade - Rewards Checking Plus deposits federally insured?
Yes, your deposits are insured up to $250,000 per person 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.
| Description | |
|---|---|
| Minimum Opening Deposit | $0 |
| Minimum Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $0 |
What fees does Upgrade Rewards Checking Plus charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $0 |
| Overdraft Item Fee | $0 |
| Overdraft Protection Fee (per transfer) | $0 |
| Wire Transfer Fee - Domestic (Incoming) | $0 |
| Wire Transfer Fee - Domestic (Outgoing) | $0 |
| Wire Transfer Fee - International (Incoming) | $0 |
| Wire Transfer Fee - International (Outgoing) | $0 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee | $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:
- ATM rebates - This account will reimburse you for any domestic ATM fees.
- 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 Active Accounts with a monthly direct deposit of $1000 are eligible for additional benefits on Rewards Checking Plus such as additional
cash back rewards, ATM fee reimbursement, and more.
² Non-Active Rewards Checking Plus Accounts accrue 1% 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 service and 0.50% cash back on all other eligible debit card charges. Active Rewards Checking Plus
Accounts accrue 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. Some limitations
apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.
³ The 1.5% Annual Percentage Yield (APY) for the Performance Savings account is effective as of 6/1/2023. The APY for the Performance
Savings account is variable and may change at any time. Active Accounts qualify for 4.81% APY with monthly $1000 direct deposit. The
APY N/A
Minimum deposit to Open $0
Rewards Rate Up to 2% cash back on purchases.
Atm Fees $0
Account Fees $0
Overdraft Fees $0
Annual Fees $0
Transfer Fees $0
Debit Card Available Yes
Mobile Banking Yes for active accounts
Name Rewards Checking Plus
APY for Active Accounts is effective as of 6/1/2023, is variable, and may change at any time. Please refer to the applicable Cross River
Bank Performance Savings Deposit Account Agreement and Truth in Savings Disclosure.
To earn APY, you must open and fund a Performance Savings account. Rewards Checking Plus accounts do not earn APY.
⁴ Early 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.
⁵ There are no overdraft fees, annual fees, or transfer fees associated with Rewards Checking Plus accounts. Rewards Checking Plus
charges no ATM fees, but third-party institutions may charge you a fee if you use their ATM/network or if you use your Upgrade VISA® Debit
Card internationally. For Active Accounts, Upgrade will rebate ATM fees charged by another institution for debit card withdrawals in the
United States, up to five times per calendar month. To be eligible to receive third-party ATM fee rebates in any calendar month for eligible
ATM withdrawals made during that month on a Rewards Checking Plus account, the account must be an Active Account in the prior
calendar month. See the Active Account page for more information. As a courtesy to new customers, Upgrade will provide third-party ATM
fee rebates for 60 days after account opening regardless of account user status. Some limitations apply. Please refer to the applicable
Cross River Bank Checking Deposit Account Agreement and Upgrade VISA® Debit Card Agreement and Disclosures 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
Contact
- Headquarters
-
275 Battery Street
San Francisco, CA 94104 USA - Visit Site
- Email Support
Other Services by Upgrade Inc
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Minimum Opening Deposit | $0 |
| Minimum Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | Starting at $0 |
Upgrade - Rewards Checking Plus Community Reviews
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