Check your balance, available credit, pay bills and track your rewards.

Features include:

No Monthly-fee Mobile Banking – Check your balance, pay bills, manage funds.

Track Your Debit Rewards – Track your rewards, up to 2% cash back on purchases¹.

Manage your Upgrade Card or Loan – Manage your payments and check your outstanding balance.

Manage your credit score - Check your credit score, get notified of any change in your credit report, track potential ID theft, use our credit score simulator to see how different actions may impact your score using real data from your credit report.

Share your feedback at mobile_app_feedback@upgrade.com


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UPGRADE IS A FINANCIAL TECHNOLOGY COMPANY, NOT A BANK (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-). BANKING SERVICES PROVIDED BY CROSS RIVER BANK, MEMBER FDIC.

¹ 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.

² 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.

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Personal Loans and Auto Refinance Loans made by Upgrade's bank partners (https://www.upgrade.com/bank-partners/). Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender.
Personal Credit Lines are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC.

The Upgrade Card associated with a Personal Credit Line is issued by Cross River Bank, Member FDIC, or Sutton Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc. Bitcoin services and accounts provided by NYDIG. NYDIG is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. See NYDIG Terms (https://www.upgrade.com/funnel/borrower-documents/NYDIG_TERMS_AND_CONDITIONS?productType=PERSONAL_CREDIT_LINE).
Upgrade, Inc. (NMLS #1548935) holds the following state licenses (https://upgrade.zendesk.com/hc/en-us/articles/4404416360731-Overview-State-Licenses-and-Consumer-Information) and does business under the following DBAs (https://www.upgrade.com/dba).

Checking and savings accounts are provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.