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Banking
Banking
Upgrade Review: Checking and Savings
Advertiser disclosure


YOU’RE OUR FIRST PRIORITY.
EVERY TIME.

We believe everyone should be able to make financial decisions with confidence.
And while our site doesn’t feature every company or financial product available
on the market, we’re proud that the guidance we offer, the information we
provide and the tools we create are objective, independent, straightforward —
and free.

So how do we make money? Our partners compensate us. This may influence which
products we review and write about (and where those products appear on the
site), but it in no way affects our recommendations or advice, which are
grounded in thousands of hours of research. Our partners cannot pay us to
guarantee favorable reviews of their products or services. Here is a list of our
partners.


UPGRADE REVIEW: CHECKING AND SAVINGS

Upgrade offers a rewarding checking account and high-yield savings account, but
you won’t be able to deposit cash.
By Ruth Sarreal 

Ruth Sarreal
Content Management Specialist | Bank accounts, bank account bonuses
Ruth Sarreal is a content management specialist covering consumer banking topics
at NerdWallet. She has over a decade of experience writing and editing for
consumer websites. She previously edited content on personal finance topics at
GOBankingRates. Her work has been featured by Nasdaq, MSN, TheStreet and Yahoo
Finance.
Learn More
 
Nov 8, 2023
Edited by Yuliya Goldshteyn  

Yuliya Goldshteyn
Assigning Editor | Banking
Yuliya Goldshteyn is a banking editor at NerdWallet. She previously worked as an
editor, writer and research analyst in industries ranging from health care to
market research. She earned a bachelor's degree in history from the University
of California, Berkeley and a master's degree in social sciences from the
University of Chicago. You can reach her at <a
href="mailto:ygoldshteyn@nerdwallet.com">ygoldshteyn@nerdwallet.com</a>.
Learn More

Many or all of the products featured here are from our partners who compensate
us. This influences which products we write about and where and how the product
appears on a page. However, this does not influence our evaluations. Our
opinions are our own. Here is a list of our partners and here's how we make
money.

 * Savings
   
 * Checking
   
 * Customer experience
   
 * Overdraft fees
   


OVERALL INSTITUTION RATING

4.5

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.

The bottom line:

Upgrade is a digital-only financial technology company. With FDIC-insured Cross
River Bank as its partner, Upgrade offers a mobile rewards checking account that
can be accessed online and through a mobile app. It rewards you with cash back
for purchases made with your debit card, and there are no monthly fees. But you
can’t deposit cash. It also offers a high-yield savings account.

Best for: Those who want to earn cash back, high yields on savings and don’t
need to deposit cash.

Pros

 * No monthly fees.
 * Competitive rate on savings account.
 * ATM fee rebates.
 * Competitive rewards checking account.
 * Extended phone customer service hours.

Cons

 * No overdraft protection program.
 * No cash deposit.
 * No branch access.


FULL REVIEW


SAVINGS

Upgrade Premier Savings


Savings

Deposits are FDIC Insured

4.5

/5 NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.
APY
5.07%
With $1,000 min. balance for APY


Upgrade offers a Premier Savings account that has no monthly fees. While there
is no minimum balance requirement for this account, you need a balance of at
least $1,000 to earn the competitive 5.07% APY (on days when the closing balance
is less than $1,000, the account won’t earn interest).


CHECKING

Upgrade - Rewards Checking Plus


Checking

Deposits are FDIC Insured

4.5

/5 NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.
Monthly fee
$0



Cash back and no monthly fee: The Rewards Checking Plus account from Upgrade has
no monthly fee. Rewards come in the form of cash back. If you have a monthly
direct deposit of at least $1,000, your account is considered an Active Account,
and it's eligible for benefits such as 2% cash back on purchases at drug stores,
restaurants, gas stations and other everyday places, up to a maximum of $500 in
rewards per calendar year. Without direct deposit, you’ll still earn 1% cash
back. Once you earn $500 in rewards with the 2% cash back, you’ll earn 1% on all
other purchases or payments for the rest of the year.

ATM fee rebates if you meet qualifications: Upgrade doesn’t have its own ATMs or
belong to a shared ATM network, but it will rebate up to five ATM fees charged
by another institution for making withdrawals in the United States, per calendar
month. To qualify for those rebates, your account must have been an Active
Account in the prior month.

No cash deposits: You can deposit money through mobile check deposit, direct
deposit or by making transfers from an external account. Upgrade doesn’t accept
cash deposits.

Rate discounts: Rewards Checking Plus account holders can get a rate discount of
up to 20% on Upgrade loans and credit cards. (Learn more about Upgrade’s
personal loans in our review.)

» Interested in more options? See our list of the best rewards checking accounts


CUSTOMER EXPERIENCE

4.0

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.

Upgrade offers live customer service by phone every day: on weekdays from 5 a.m.
to 6 p.m. PT, and on weekends from 6 a.m. to 5 p.m. PT. Help is also available
on X (Twitter). And the bank’s mobile app earns high user ratings. Upgrade is a
neobank and though it partners with a traditional bank, it does not have
branches.

What to know about neobanks: Neobanks can be solid options for consumers who
prefer online-only banking. They do have differences to banks:

 * Funds deposited in neobanks' accounts are usually FDIC-insured through
   partner banks, which will also typically receive customers’ money if a
   neobank closes, so customer funds are safe.

 * Neobank accounts often have low monthly fees and earn strong rates. However,
   they may also lack traditional banking features, including in-person customer
   service and access to personal or cashier’s checks (often required for large
   purchases, such as buying a home) or wire transfers. (Learn more about
   neobanks and what they offer.)


OVERDRAFT FEES

3.5

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.

Upgrade doesn’t charge overdraft fees, which is a policy that some other online
banks, financial companies and credit unions offer, too. But unlike many other
financial institutions, Upgrade doesn’t provide overdraft protection transfers.
In most cases, charges that would overdraw the account are automatically
declined.

» Tend to overdraw your account? Consider the best banks for overdrafts


HOW DOES UPGRADE COMPARE?

SoFi Checking and Savings

Member FDIC

Discover Cashback Debit

Member FDIC

Chime Checking Account

Deposits are FDIC Insured

NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.

5.0

/5
NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.

5.0

/5
NerdWallet rating 
NerdWallet's ratings are determined by our editorial team. The scoring formulas
take into account multiple data points for each financial product and service.

4.5

/5

Monthly fee 

$0

Monthly fee 

$0

Monthly fee 

$0

APY 

0.50%SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits
during the 30-Day Evaluation Period can earn 4.60% annual percentage yield (APY)
on savings balances (including Vaults) and 0.50% APY on checking balances. There
is no minimum Direct Deposit amount required to qualify for the stated interest
rate. Members without either Direct Deposit or Qualifying Deposits, during the
30-Day Evaluation Period will earn 1.20% APY on savings balances (including
Vaults) and 0.50% APY on checking balances. Interest rates are variable and
subject to change at any time. These rates are current as of 10/24/2023. There
is no minimum balance requirement. Additional information can be found at
http://www.sofi.com/legal/banking-rate-sheet.

With $0 min. balance for APY

APY 

N/A

APY 

N/A

Bonus 

$300

Earn up to $300 with direct deposit. Terms apply.

Bonus 

N/A

Bonus 

N/A

Learn more


at SoFi Bank, N.A.

Learn more


at Discover Bank

Learn more


at Chime®

METHODOLOGY



NerdWallet’s overall ratings for banks and credit unions are weighted averages
of several categories: checking, savings, certificates of deposit or credit
union share certificates, banking experience and overdraft fees. Factors we
consider, depending on the category, include rates and fees, ATM and branch
access, account features and limits, user-facing technology, customer service
and innovation. The stars represent ratings from poor (one star) to excellent
(five stars). Ratings are rounded to the nearest half-star.

How we rate banks, credit unions and other financial service providers



BEST ACCOUNTS

Best savings accounts

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MORE FROM NERDWALLET

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About the author

Ruth Sarreal

Ruth Sarreal is a content management specialist at NerdWallet. She has written
and edited content on personal finance topics for more than five years.Read more

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