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PREMIER SAVINGS

 * Exceptional 4.56% APY on balances of $1000 or more
 * No monthly account fees or transfer fees
 * Secure, 24/7 mobile access to your account


Open Account
Deposits held at Cross River Bank, Member FDIC, insured up to $250,000. Funds at
Participating Institutions eligible for FDIC or NCUA insurance.*




REACH YOUR GOALS FASTER WITH PREMIER SAVINGS

A savings account to fit your ambitions and your life

EXCEPTIONAL APY

Earn 4.56% APY on balances of $1000 or more. Start saving for your future now.

ALL THE SAVINGS, NONE OF THE FEES

No monthly account fees or transfer fees

24/7 ACCESS

Secure, 24/7 mobile access to your account




MAXIMUM SAVINGS, ZERO FEES

Premier Savings has one of the highest rates in the nation, with none of the
fees that some competitors charge.

PREMIER SAVINGS

NATIONAL AVERAGE / COMPETITOR COMPARISON

Annual Percentage Yield (APY)

4.56%1

0.37%iii

Monthly fees

$0

$12 to $25i

Your interest earnings on a $2,500 deposit

$114 II

$9iii

i. Range of monthly account fees based on the following competitor products as
of January 11, 2023: Chase Premier Savings, TD Select Savings, Wells Fargo
Platinum Savings. Account terms may allow for fee waivers when meeting certain
conditions.

ii. Assumes principal and interest remain on deposit and interest rate and APY
do not change. The estimated values are based on a $2,500 savings amount, are
shown for illustrative and informational purposes only, and may not apply to
your individual circumstances.

iii. This reflects the average national savings account interest rate of 0.37%
as determined by the FDIC as of March 20, 2023 (FDIC National Rates) and applied
to a $2,500 savings amount.


MANAGE YOUR MONEY ON THE GO

TOP-RATED MOBILE APP

 * Secure 24/7 access to your money
 * View balances, transfer funds between accounts
 * You’re in control. Set up real-time alerts


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275 Battery Street, 23rd Floor
San Francisco, CA 94111, USA

Not for payments. Payment
address can be found here.

Looking to Invest? Contact us at
moc.edargpunull@rotsevninull

For other inquiries, contact us at
moc.edargpunull@tcatnocnull

 * 
 * 
 * 

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us to identify
you. We may also ask to see your driver's license or other identifying
documents.

*When you sign up for the Premier Savings product through Upgrade, you will open
a Premier Savings account at Cross River Bank, Member FDIC under the terms of
your Savings Deposit Account Agreement and agree to participate in a custodial
deposit program offered by Upgrade and Cross River Bank (the “Program”). Under
the Program, Cross River Bank may, as your agent and custodian, place some or
all of your funds from your Premier Savings account with another depository
institution or credit union (each a “Participating Institution”) under the terms
of your Custodial and Agency Agreement. Each Participating Institution is either
an insured depository institution at which deposits are insured by the FDIC or a
credit union at which share accounts are insured by the NCUA Share Insurance
Fund, subject to applicable limits. Your funds at Cross River Bank and at a
Participating Institution are eligible for FDIC or NCUA insurance coverage up to
$250,000 per ownership category and per institution. You will be responsible for
monitoring the total amount of deposits that you hold with Cross River Bank and
any Participating Institution to determine the extent of FDIC or NCUA insurance
coverage available to you. You will be able to check your Upgrade dashboard to
determine the amount of your funds on deposit at Cross River Bank and any
Participating Institution under the Program. For more information on the
Program, please refer to the Custodial and Agency Agreement.

1 This Annual Percentage Yield (APY) is effective as of April 12, 2023. The APY
for the Premier Savings account is variable and may change at any time..

Copyright 2023 Upgrade, Inc.
All rights reserved.

Upgrade is a financial technology company, not a bank. Checking and savings
accounts provided by 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.






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