help/
525 pages · Updated July 19, 2026
Pages
- how-is-my-current-auto-loan-paid-off
- index-2.html
- upgrade-com.html
- Applying for Account - Application Process - Help Center
- Overview - About Upgrade - Help Center
- index-2.html
- www-fdic-gov.html
- Payments & Billing - Account Management & Payments - Help Center
- index-2.html
- About Upgrade - Help Center
- Boost Money™ Spend FAQs - Boost Money™ - Help Center
- Account Management & Payments - Help Center
- Boost Money™ Premium - Boost Money™ - Help Center
- RevUp Program - Auto Finance - Help Center
- Auto Finance - Help Center
- Application Process - Help Center
- Boost Money™ - Boost Money™ - Help Center
- Boost Money™ - Help Center
- Upgrade Shopping - Help Center
- Overview - Credit Health - Help Center
- BoostCash™ - BoostCash™ - Help Center
- BoostCash™ - Help Center
- Privacy & Security - Help Center
- Credit Health - Help Center
- Refer a Friend & Bonuses - Help Center
- Upgrade Card - Upgrade Cards - Help Center
- Overview - Flex Pay - Help Center
- Upgrade Cards - Help Center
- Refer a Friend - Refer a Friend & Bonuses - Help Center
- Overview - Privacy & Security - Help Center
- Welcome Bonus - Refer a Friend & Bonuses - Help Center
- Flex Pay - Help Center
- Upgrade Card - Upgrade Cards - Help Center
- State Licenses and Consumer Information - Upgrade, Inc. - State Licenses and Consumer Information - Help Center
- Performance Savings - Deposit (Checking & Savings) - Help Center
- Upgrade Card Account - Upgrade Cards - Help Center
- Rewards Checking Preferred - Deposit (Checking & Savings) - Help Center
- Deposit (Checking & Savings) - Help Center
- Everyday Savings - Deposit (Checking & Savings) - Help Center
- Rewards Checking Preferred - Deposit (Checking & Savings) - Help Center
- Auto Finance - Personal Loan - Help Center
- Deposit - Deposit (Checking & Savings) - Help Center
- Shopping Rewards - Upgrade Shopping - Help Center
- Premier Savings - Deposit (Checking & Savings) - Help Center
- Upgrade, Inc. - State Licenses and Consumer Information - Help Center
- For Customers - Home Improvement - Help Center
- Rewards Checking Preferred - Deposit (Checking & Savings) - Help Center
- Home Improvement - Help Center
- For Contractors - Home Improvement - Help Center
- Personal Loan - Help Center
- Auto Secured Loan - Personal Loan - Help Center
- Personal Loan - Personal Loan - Help Center
- [Contractors Only] Upgrade Home Improvement Marketing Disclosures - Help Center
- Upgrade OneCard Triple Cash Back Rewards (Accounts opened before April 6, 2026) - Help Center
- Upgrade OneCard 2% / 1% Cash Back Rewards (Accounts opened before April 6, 2026) - Help Center
- Upgrade OneCard 2% / 1.5% Cash Back Rewards (Accounts opened before April 6, 2026) - Help Center
- Upgrade OneCard with Secured Account (Accounts opened before April 6, 2026) - Help Center
- How can I make a deposit to my checking or savings account? - Help Center
- What you need to know about Upgrade and Flex Pay. - Help Center
- Do I need to continue making payments if I live in a FEMA-declared disaster area? - Help Center
- Why did I receive a Flex Pay refund via Zelle? - Help Center
- How can I contact Upgrade? - Help Center
- What happens to my points if I need to cancel a deal? - Help Center
- How do I calculate my efficiency rate? - Help Center
- How does my dealership earn and redeem rewards? - Help Center
- How do I enroll into the Rev Up loyalty program? - Help Center
- What is the Rev Up program? - Help Center
- Uplift, Inc. - State Licenses and Consumer Information - Help Center
- What about roadside assistance? - Help Center
- Do I get identity theft protection with Premium? - Help Center
- Am I covered if my trip gets canceled or interrupted? - Help Center
- What if I want to return something and the store won’t take it back? - Help Center
- How does Extended Warranty Protection work? - Help Center
- What purchase protections do I get with Premium? - Help Center
- Boost Money™ Premium Benefits FAQs - Help Center
- How do I redeem my Upgrade Card Rewards? - Help Center
- When does the ACH Return Fee apply? - Help Center
- When does my Premium for Boost Money™ subscription start and renew? - Help Center
- How do I add my Boost Money™ Card to Apple Pay® or Google Wallet™? - Help Center
- ACH Return Fee & Inactivity Fee - Help Center
- How can I initiate an outgoing wire transfer from my Boost Money™ Spend account? - Help Center
- What is Early Direct Deposit? - Help Center
- How do I dispute an ACH transaction on my Boost Money™ Spend account? - Help Center
- Can a deposit be canceled once it is submitted through Mobile Deposit? - Help Center
- What should I do with my check after I deposit it using Mobile Deposit? - Help Center
- How do I successfully capture images of my check for Mobile Deposit? - Help Center
- What happens if my deposit exceeds my Check Deposit limits? - Help Center
- Where can I see my Mobile Deposit limits? - Help Center
- Are there limits to deposits using Check Deposit? - Help Center
- How can I access the Mobile Deposit service? - Help Center
- Are there any fees to use Mobile Deposit? - Help Center
- How will I be informed about my Mobile Deposit progress and any issues? - Help Center
- When will my check funds be available when using Mobile Deposit? - Help Center
- What types of checks are accepted with Mobile Deposit? - Help Center
- What is Mobile Deposit? - Help Center
- How do I set up direct deposit with my Boost Money™ Spend account? - Help Center
- How do I add money to my Boost Money™ Spend account? - Help Center
- Do I receive statements for my Boost Money™ Spend account? - Help Center
- How do I find my Boost Money™ Spend routing and account number? - Help Center
- How do I open a Boost Money™ Spend account?* - Help Center
- Does Boost Money™ Spend have a mobile app? - Help Center
- Is money deposited in my Boost Money™ Spend account FDIC insured? - Help Center
- How do I access my money? - Help Center
- How do I set up direct deposit? - Help Center
- How does early paycheck work? - Help Center
- Am I charged interest for BoostCash™? - Help Center
- What are some things that will disqualify me from getting BoostCash™? - Help Center
- Why am I no longer eligible for BoostCash™? - Help Center
- I didn’t take my full BoostCash™ the first time. Can I still take a second BoostCash™ for my remaining amount? - Help Center
- How do I view my BoostCash™ history? - Help Center
- Why is my expected direct deposit date incorrect, and how do I fix it? - Help Center
- Why did my BoostCash™ fail? - Help Center
- How do I get BoostCash™ in minutes? - Help Center
- When will I get my BoostCash™? Why is it taking so long? - Help Center
- Can I cancel my BoostCash™? - Help Center
- Does BoostCash™ have late fees or penalties? - Help Center
- Can I change the due date of BoostCash™? - Help Center
- Can I pay BoostCash™ back early? - Help Center
- Why is my BoostCash™ advance lower than $500? - Help Center
- Does everyone qualify for $500 BoostCash™? - Help Center
- How is BoostCash™ repayment collected? - Help Center
- How much does BoostCash™ cost? - Help Center
- How can I get a BoostCash™? - Help Center
- What is BoostCash™? - Help Center
- Where can I find more details about Premium terms and conditions? - Help Center
- What happens if I don't have enough funds in my account for the Premium payment? - Help Center
- Can I re-activate my subscription to Premium after canceling? - Help Center
- Will I lose my card or checking account if I cancel Premium? - Help Center
- How do I cancel my Premium subscription? - Help Center
- How much does Premium for Boost Money™ cost? - Help Center
- What features are included with Premium for Boost Money™? - Help Center
- How do I subscribe to Premium for Boost Money™? - Help Center
- What is Premium for Boost Money™? - Help Center
- Save Account Features and Benefits - Help Center
- Opening Your Optional Boost Money™ Save Account - Help Center
- How do I change my Boost Money™ Card ATM PIN? - Help Center
- Can I use the Boost Money™ Card to withdraw funds at an ATM? - Help Center
- Can I make payments to my Boost Money™ Card from another bank account? - Help Center
- Do I have to use SafeMode? - Help Center
- What is SafeMode? - Help Center
- Is the Boost Money™ Card reported to the credit bureaus? - Help Center
- What is the credit limit of my Boost Money™ Card? - Help Center
- How does my Boost Money™ Card work with my Boost Money™ Spend account? - Help Center
- How long do I have to pay off my Boost Money™ Card purchases? - Help Center
- What is the Boost Money™ Card APR? - Help Center
- How do I activate my Boost Money™ Card? - Help Center
- How long will it take to receive my Boost Money™ Card? - Help Center
- What is the Boost Money™ Card? - Help Center
- How Your Spend Account Works as Card Collateral - Help Center
- What is an Boost Money™ Spend account? - Help Center
- Understanding Card Terms: 0% APR and Monthly Payments - Help Center
- What's Free vs Paid - Help Center
- Boost Money™ Spend and Paired Boost Money™ Card - Help Center
- Existing Upgrade Customers: How to Apply - Help Center
- What Happens After Approval? - Help Center
- How do you Apply for Boost Money™ accounts? - Help Center
- Who Should Use Boost Money™ accounts? - Help Center
- What are the transfer limits on my Boost Money™ Spend account and optional Save account? - Help Center
- What is the interest rate on the Boost Money™ Save account? - Help Center
- Upgrade Triple Cash Focus Card Details - Help Center
- Upgrade Life Rewards Focus Card Details - Help Center
- How can I earn cash back with my Rewards Checking Preferred account? - Help Center
- Who can open a joint account? - Help Center
- How does early paycheck work? - Help Center
- Why should I set up a direct deposit? - Help Center
- How do I set up direct deposit? - Help Center
- How do I access my money? - Help Center
- Is money deposited in my Rewards Checking Preferred account FDIC insured? - Help Center
- What is a Rewards Checking Preferred account? - Help Center
- Will my rewards and account benefits change if I receive a new debit card for my Rewards Checking Preferred account? - Help Center
- What is Flex Pay? - Help Center
- How do I dispute an ACH transaction on my checking account? - Help Center
- What is Upgrade Shopping? - Help Center
- Auto Finance: How can I dispute information on my credit report if I believe it’s inaccurate or incomplete? - Help Center
- Auto Finance: How long does my auto loan information stay on my credit report? - Help Center
- Auto Finance: How do I change my payment due date? - Help Center
- Auto Finance: What payment methods are available to pay off my loan? - Help Center
- Auto Finance: Why should I enable autopay for my auto finance payments? - Help Center
- Auto Finance: Are there any fees associated with making a payment? - Help Center
- Auto Finance: Where can I find my auto financing payoff amount? - Help Center
- Auto Finance: How do I access my online account? - Help Center
- Auto Finance: I want to sell my car, but I have an outstanding balance. How can I get my title so I can give it to the buyer? - Help Center
- I have auto financing through Upgrade. How do I create an account? - Help Center
- Auto Finance: I paid off my loan in the past, but I cannot find my title or lien release. What should I do? - Help Center
- What are Smart Transfer Tools? - Help Center
- Auto Finance: Where can I take my pre-qualification letter? - Help Center
- Auto Finance: Will pre-qualification affect my credit score? - Help Center
- Auto Finance: What is pre-qualification and how is it different from pre-approval? - Help Center
- Auto Finance: I don’t see the option to pre-qualify for auto financing through Upgrade. Am I not able to pre-qualify? - Help Center
- Auto Finance: I’ve been pre-qualified for auto financing with Upgrade. What’s next? - Help Center
- How do I protect myself from scams? - Help Center
- Who is The Bancorp Bank, N.A.? - Help Center
- Auto Finance: What do I need to do if my auto insurance has expired, renewed, or changed? - Help Center
- How do I cancel an EarlyPay payment? - Help Center
- How do I set up automated EarlyPay payments? - Help Center
- What is the difference between my Statement Close Date and my Monthly Payment Date? - Help Center
- What is EarlyPay? - Help Center
- Premier Savings Details - Help Center
- What is the Upgrade OneCard with Secured Account? (Accounts opened before April 6, 2026) - Help Center
- Auto Finance: Do I need to continue making payments if my insurance company says my vehicle is a total loss? - Help Center
- Auto Finance: I was involved in an accident and my vehicle has been deemed a total loss. What should I do? - Help Center
- Auto Finance: What happens if I was in an accident with vehicle damage and I received a collision repair payable to Upgrade and myself? - Help Center
- Auto Finance: What lienholder information should I share with my insurance company? - Help Center
- Auto Finance: How do I get my registration? - Help Center
- Auto Finance: I’ve changed my name. How do I update my name on my title? - Help Center
- Auto Finance: What do I need to do if I move to a different state? - Help Center
- Auto Finance: When will I get my title? - Help Center
- Auto Finance: Will auto financing show up on my credit report? - Help Center
- What should I do if I'm having trouble making my auto financing payments? - Help Center
- Can I defer my auto financing payments? - Help Center
- Can I pay off my auto financing early? - Help Center
- Can I make a principal payment on my auto financing? - Help Center
- How do I make a payment? - Help Center
- What if I’m unable to make my monthly payment because of my student loans? - Help Center
- Can I change my payment due date? - Help Center
- What if I’m unable to make my monthly payment? - Help Center
- What is a Performance Savings account? - Help Center
- What is the Upgrade OneCard? (Accounts opened before April 2, 2026) - Help Center
- What is autopay? - Help Center
- How do I close my account? - Help Center
- When will I see my Upgrade Card Welcome bonus in my account? - Help Center
- When will I see my Refer a Friend bonus in my account? - Help Center
- I'm having trouble logging in - Help Center
- What are the transfer limits on my Everyday Savings account? - Help Center
- [Customer Only] What types of plans/rates does Upgrade Home Improvement offer? - Help Center
- [Customer Only] Is collateral required to get a Home Improvement Loan? - Help Center
- [Customer Only] Do I have to be the owner of the property in order to use Upgrade Home Improvement? - Help Center
- [Customer Only] Can I use a cosigner if I don’t qualify for the Home Improvement Loan? - Help Center
- [Customer Only] What if I’m unsatisfied with the end result of my contractor’s home improvement project? - Help Center
- [Customer Only] When is my first payment due for my Home Improvement Loan? - Help Center
- [Customer Only] Are the Home Improvement Loan rates fixed or variable? - Help Center
- [Customer Only] What if I end up not using the full amount of the Home Improvement Loan that I was approved for? - Help Center
- [Customer Only] After my Home Improvement Loan is approved, what am I supposed to do? - Help Center
- [Customer Only] Am I able to apply for additional funding if more is required to complete my home improvement project? - Help Center
- [Contractor Only] What if my customers usually pay in cash, why would using Upgrade be beneficial? - Help Center
- [Contractor Only] What are the interest rates available to consumers? - Help Center
- [Contractor Only] How do my customers pay me through Upgrade? - Help Center
- [Contractor Only] How do I submit a payment for my contractor fees? - Help Center
- [Contractor Only] What happens if I can’t complete the home impovement project in the allotted time? - Help Center
- [Contractor Only] What does my customer need to provide when applying for a Home Improvement Loan through Upgrade? - Help Center
- [Contractor Only] What happens if I don’t use all the funds my customer was approved for? - Help Center
- [Contractor Only] How do my customers submit an application? - Help Center
- [Contractor Only] How long will it take to receive funds when starting a project? - Help Center
- [Contractor Only] How do I receive funding for the project? - Help Center
- [Contractor Only] What types of plans/rates does Upgrade Home Improvement provide? - Help Center
- [Contractor Only] Why should I use Upgrade Home Improvement? - Help Center
- Can I deposit a check via Mobile Deposit to be applied to my personal loan or Upgrade Card? - Help Center
- How do I upload documents? - Help Center
- Upgrade: Upgrade, Inc. Overview - State Licenses and Consumer Information - Help Center
- What is Universal Credit? - Help Center
- How do I apply for an Auto Refinance loan? - Help Center
- Who is Blue Ridge Bank? - Help Center
- Who is Cross River Bank? - Help Center
- What is an auto secured loan? - Help Center
- How will I receive my money with a debt payoff loan? - Help Center
- Late Payments - Help Center
- Does Upgrade have a mobile app? - Help Center
- What card details do I need to provide? - Help Center
- Is my credit card information secure? - Help Center
- Which cards or loans can I pay off directly with my new loan? - Help Center
- Can I change my instructions? - Help Center
- When will my card payments be processed? - Help Center
- Can I use my entire loan to pay off my credit cards? - Help Center
- How does a debt payoff loan work? - Help Center
- No application fees or upfront fees - Help Center
- How long does it take to receive my money? - Help Center
- What is the Upgrade Card (opened before 06/20/26)? - Help Center
- Why would you deny me if I was pre-approved? - Help Center
- What does receiving a pre-approval letter for a personal loan mean? - Help Center
- Why was I offered a lower amount than I originally requested? - Help Center
- FAQs for Self-Employed Applicants - Help Center
- How do I sign up for Credit Health? - Help Center
- Where do I locate my 15-digit pre-approval code? - Help Center
- What types of documents may be requested from me? - Help Center
- How does the Verifications department communicate with me? - Help Center
- Can I mail my documents to you instead? - Help Center
- Can I change my personal loan term or loan amount without Upgrade canceling my application? - Help Center
- If I’m denied, am I able to re-apply? - Help Center
- If I cancel my application, can I re-apply? - Help Center
- Does Upgrade accept applications over the phone? - Help Center
- Can I apply by mail? - Help Center
- Can I include household income on my application? - Help Center
- Where can I locate Upgrade’s Terms of Use? - Help Center
- Where can I locate Upgrade’s Privacy Policy? - Help Center
- Who is WebBank? - Help Center
- Is Upgrade a bank? - Help Center
- Where can I locate my account number? - Help Center
- Is an email address required to apply? - Help Center
- How do I change my email address? - Help Center
- What are the next steps after I have submitted all of the requested documents? - Help Center
- How long does it take to receive the funds in my bank account after completing my To-Do List? - Help Center
- How do I apply for a personal loan or an Upgrade Card? - Help Center
- How can I reduce the number of unsolicited credit and insurance offers I receive? - Help Center
- Where are your offices located? - Help Center
- How much money will I receive in my bank account after the origination fee? - Help Center
- How can I use my Upgrade Card? - Help Center
- What is Bill Pay Guard? - Help Center
- What is the interest rate on the Upgrade OneCard Secured Account? (Accounts opened before April 6, 2026) - Help Center
- What is the interest rate on the Performance Savings account? - Help Center
- What is Extra Spending Power? (Accounts opened before April 6, 2026) - Help Center
- How will I know that I received my Refer a Friend bonus? - Help Center
- What is the interest rate on the Premier Savings account? - Help Center
- Can I make a payment to my Upgrade credit products from my Everyday Savings account? - Help Center
- Can a deposit be canceled once it is submitted through Mobile Deposit? - Help Center
- Debit Card Payment Terms and Conditions - Help Center
- How is my current auto loan paid off? - Help Center
- Auto Secured Loan: How do I apply for an auto secured loan? - Help Center
- Will signing up for Credit Health impact my credit score? - Help Center
- Does Upgrade offer benefits for Veterans? - Help Center
- What information do you need to verify my employment? - Help Center
- What are the minimum borrower requirements? - Help Center
- Is Upgrade going to sell my information? - Help Center
- Can I increase my loan amount after I’ve already selected an offer? - Help Center
- Why didn’t I get a discount when I used an Upgrade Shopping offer? - Help Center
- What is Auto Balance? - Help Center
- Can I use my Upgrade OneCard to withdraw funds at an ATM? (Accounts opened before April 6, 2026) - Help Center
- What is the Secured Upgrade OneCard APR? (Accounts opened before April 6, 2026) - Help Center
- What is the minimum balance requirement for a Performance Savings account? - Help Center
- How many people can I refer to Upgrade Card? - Help Center
- What is the minimum balance requirement for the Premier Savings account? - Help Center
- How long will it take to transfer funds from my Everyday Savings account to my Rewards Checking Preferred account to spend? - Help Center
- What should I do with my check after I deposit it using Mobile Deposit? - Help Center
- Upgrade: Arizona - Help Center
- What are the benefits of refinancing my car through Upgrade? - Help Center
- Auto Secured Loan: What do I need to apply for an auto secured loan? - Help Center
- Why use the Upgrade Card instead of a credit card? - Help Center
- Why are you asking for my personal information? - Help Center
- Is collateral required to get a personal loan or an Upgrade Card? - Help Center
- I'm interested in working for Upgrade, are there any available positions? - Help Center
- Where can I check the status of my application? - Help Center
- Does Upgrade offer discounts for Active Duty Military servicemembers? - Help Center
- How much can I save with Upgrade Shopping? - Help Center
- What is Save My Paycheck? - Help Center
- What is the credit limit of an Upgrade OneCard with Secured Account? (Accounts opened before April 6, 2026) - Help Center
- Upgrade OneCard Details (Accounts opened before April 6, 2026) - Help Center
- Are there any fees associated with my Rewards Checking Preferred account? - Help Center
- Are there any annual fees associated with the Performance Savings account? - Help Center
- Will Upgrade tell me when my friends open an account? - Help Center
- How do I know if I qualify for a Premier Savings account through Upgrade? - Help Center
- How can I access money in my Everyday Savings account? - Help Center
- How do I successfully capture images of my check for Mobile Deposit? - Help Center
- Auto Secured Loan: Can I apply if my vehicle is jointly owned? - Help Center
- What are the benefits of Cashout Auto Refinance? - Help Center
- Can I pay off my loan early? - Help Center
- Where do you get my credit summary and credit information? - Help Center
- Can a personal loan or Upgrade OneCard be used for school? - Help Center
- What products are available through Upgrade? - Help Center
- Is it safe to fill out an online application? - Help Center
- How do I change my contact information? - Help Center
- How does the Custodial Deposit Program work for Upgrade Secured OneCard Account? (Accounts opened before April 6, 2026) - Help Center
- How do I change the PIN for my Upgrade Visa® Debit Card? - Help Center
- Can I cancel my scheduled payment? - Help Center
- How do I know I qualify for a Performance Savings account? - Help Center
- How long will it take to receive my Upgrade Card? (Accounts opened before April 6, 2026) - Help Center
- Are there any annual fees associated with the Premier Savings account? - Help Center
- Can I close my Everyday Savings account and keep my Rewards Checking Preferred account? - Help Center
- What happens if my deposit exceeds my Check Deposit limits? - Help Center
- Upgrade: New Mexico - Help Center
- Auto Secured Loan: What does collateral mean? - Help Center
- What rates are offered on the Upgrade Card? - Help Center
- How often is my information updated? - Help Center
- Is it safe to set up ACH payments or link my bank account with Upgrade? - Help Center
- What is Upgrade? - Help Center
- How do I change my bank account information? - Help Center
- Why weren’t you able to retrieve my credit report? - Help Center
- Is the Upgrade Secured OneCard reported to the credit bureaus? (Accounts opened before April 6, 2026) - Help Center
- Can I add a beneficiary to my checking/savings account? - Help Center
- How do I activate my Upgrade Card? - Help Center
- What is a VantageScore? - Help Center
- Is there a maximum amount I can keep in my Premier Savings account? - Help Center
- Can I keep my Everyday Savings account if I close my Rewards Checking Preferred account? - Help Center
- Where can I see my Mobile Deposit limits? - Help Center
- Auto Secured Loan: Which cars are acceptable to use as collateral? - Help Center
- Debt Settlement Companies - Help Center
- How are the rates fixed on an Upgrade Card? - Help Center
- How does Credit Health calculate my credit score? - Help Center
- Personal Loan: What are the benefits of a personal loan through Upgrade? - Help Center
- How do I change my password? - Help Center
- How do I complete my To-Do List? - Help Center
- Why do you need my bank account information? - Help Center
- What is an origination fee? - Help Center
- What is an Adverse Action Notice? - Help Center
- How can I wire funds into my checking or savings account? - Help Center
- Does the Performance Savings account offer overdraft protection? - Help Center
- Can I switch my Upgrade OneCard purchases between Pay Now and Pay Later? (Accounts opened before April 6, 2026) - Help Center
- How does the Custodial Deposit Program work for Premier Savings? - Help Center
- Does the Everyday Savings account offer overdraft protection? - Help Center
- Are there limits to deposits using Check Deposit? - Help Center
- Auto Secured Loan: Will you take my car if I'm approved for an auto secured loan? - Help Center
- Are there any fees to use the Upgrade Card? - Help Center
- How do I pay back the balance on my Upgrade Card? - Help Center
- Why do you need my social security number? - Help Center
- I forgot my password - Help Center
- How do I complete and submit my 4506-T form? - Help Center
- Where can I find my routing and account numbers for my bank account? - Help Center
- Does being denied damage my credit score? - Help Center
- How can I access money in my Performance Savings account? - Help Center
- How long will it take to transfer funds from my savings account to my checking account through Upgrade? - Help Center
- Do I have the option to have my Pay Now pulled from my bank account at the point of sale? (Accounts opened before April 6, 2026) - Help Center
- How long will it take for my deposited funds to reflect in my Premier Savings account? - Help Center
- How long will it take to receive my card in the mail? - Help Center
- How can I access the Mobile Deposit service? - Help Center
- Are there any foreign transaction fees when I use my Upgrade Card internationally? - Help Center
- Auto Secured Loan: What documents are required to get an auto secured personal loan? - Help Center
- Is there any benefit in paying off my personal loan or Upgrade Card early? - Help Center
- How do I obtain a free copy of my credit report? - Help Center
- What is the difference between Annual Percentage Rate (APR) and the Interest Rate? - Help Center
- Should I put my gross or net income on the application? - Help Center
- What is the Path to Line Increase program? - Help Center
- Are there any ATM fees associated with the Upgrade OneCard? (Accounts opened before April 6, 2026) - Help Center
- How do I open a Rewards Checking Preferred account? - Help Center
- What are the transfer limits on my Performance Savings account? - Help Center
- What is Early Direct Deposit? - Help Center
- How can I access the money in my Premier Savings account? - Help Center
- Are there any annual fees associated with the Everyday Savings account? - Help Center
- Are there any fees to use Mobile Deposit? - Help Center
- Auto Secured Loan: What is a limited power of attorney? - Help Center
- What’s the difference between the Upgrade Card and a personal loan? - Help Center
- What are your business hours? - Help Center
- Will checking my rate for a personal loan impact my credit score? - Help Center
- Can I include additional income? - Help Center
- How do I cancel my application? - Help Center
- What is the Path to Approval program? - Help Center
- When will I receive my interest payment for my Performance Savings account? - Help Center
- Does the Premier Savings account offer overdraft protection? - Help Center
- Is there a maximum amount I can keep in the Everyday Savings account? - Help Center
- How will I be informed about my Mobile Deposit progress and any issues? - Help Center
- How can I initiate an outgoing wire transfer from my deposit account? - Help Center
- Auto Secured Loan: What's a notary and where can I find one? - Help Center
- Why choose an Upgrade Card instead of a home equity line of credit (HELOC)? - Help Center
- How do joint applications work? - Help Center
- How do I change my Upgrade OneCard ATM PIN? (Accounts opened before April 6, 2026) - Help Center
- Can I open a joint checking/savings account? - Help Center
- Will I receive a card with my Premier Savings account? - Help Center
- What is the minimum balance requirement for the Everyday Savings account? - Help Center
- When will my check funds be available when using Mobile Deposit? - Help Center
- How long will it take to receive my Upgrade Card? - Help Center
- I am seeing errors when I access Credit Health, what do I do? - Help Center
- Where do I locate the actual amount that will be placed in my bank account after the origination fee? - Help Center
- ACH Return Fee & Inactivity Fee - Help Center
- How does the Custodial Deposit Program work for Performance Savings? - Help Center
- How do I deposit funds into my Premier Savings account? - Help Center
- How do I deposit funds into my Everyday Savings account? - Help Center
- What types of checks are accepted with Check Deposit? - Help Center
- How do I activate my card? - Help Center
- I logged in and enrolled in Credit Health, but cannot access my score, what do I do? - Help Center
- Are there any prepayment fees? - Help Center
- Personal Loan: What is the typical loan process through Upgrade? - Help Center
- Can I keep my Performance Savings account if I close my checking account through Upgrade? - Help Center
- When will I receive my interest payments for my Premier Savings account? - Help Center
- Can I add a joint holder to my Everyday Savings account? - Help Center
- What is Mobile Deposit? - Help Center
- How long does it take for my credit score to change? - Help Center
- When is my first monthly payment due? - Help Center
- Are there any fees associated with receiving a new debit card? - Help Center
- Where can I find my virtual debit card number? - Help Center
- Can I close my Performance Savings account and keep my Rewards Checking Preferred account through Upgrade? - Help Center
- When will I receive my interest payment? - Help Center
- Can I use my Upgrade Card at an ATM? - Help Center
- How do I correct inaccuracies on my credit report? - Help Center
- Am I able to pay by phone? - Help Center
- Personal Loan: How much can I borrow with a personal loan through Upgrade? - Help Center
- What happens to my current debit card if I received a new one as part of the debit card platform change? - Help Center
- What is a virtual debit card? - Help Center
- Can I make a payment to my Upgrade credit product(s) from my Performance Savings account? - Help Center
- Will applying for a Premier Savings account include a hard inquiry on my credit? - Help Center
- How many Everyday Savings accounts can I have? - Help Center
- Can I use my Upgrade Card with my phone or device? - Help Center
- How will I receive my money? - Help Center
- How do I set up my new debit card? - Help Center
- What is a 1099-INT? - Help Center
- What are the ACH transfer limits on my Premier Savings account? - Help Center
- How do I know I qualify for an Everyday Savings account? - Help Center
- How do I dispute a charge on my Upgrade Visa® Debit Card? - Help Center
- How do I add my Upgrade Card to Apple Pay® or Google Wallet™? - Help Center
- Can I pay by check? - Help Center
- Personal Loan: Are there any fees? - Help Center
- What is a 1099-INT? - Help Center
- Why am I receiving a new debit card? - Help Center
- Will I receive a 1099-INT form for my taxes? - Help Center
- What is the interest rate on the Everyday Savings account? - Help Center
- How long will it take to receive my Upgrade Visa® Debit Card? - Help Center
- How do I use my contactless Upgrade Card? - Help Center
- What is a 1099-INT? - Help Center
- Will I receive a 1099-INT form for my taxes? - Help Center
- How do I get a replacement Upgrade Visa® Debit Card? - Help Center
- What is a draw? - Help Center
- Are the personal loan rates fixed or variable? - Help Center
- Will I receive a 1099-INT form for my taxes? - Help Center
- What if my Upgrade Visa® Debit Card is lost or stolen? - Help Center
- Is there a minimum monthly payment for my Upgrade Card? - Help Center
- Can I lower my monthly payment? - Help Center
- Personal Loan: What rates are available on personal loans through Upgrade? - Help Center
- Does my Upgrade Card come with Visa benefits? - Help Center
- What are the transfer limits on my Rewards Checking Preferred account? - Help Center
- What should I do if my Upgrade Card is expiring soon? - Help Center
- Are there any fees associated with my Rewards Checking Preferred account? - Help Center
- How do I find my payoff amount? - Help Center
- Who do I contact if I'm experiencing technical difficulties with your website? - Help Center
- How do I transfer an existing balance to my Upgrade Card? - Help Center
- Personal Loan: What are the different uses for a personal loan? - Help Center
- How do I set up direct deposit? - Help Center
- How do I report my Upgrade Card lost or stolen? - Help Center
- Can I apply for another personal loan through Upgrade? - Help Center
- How do I add money to my Rewards Checking Preferred account? - Help Center
- How do I dispute a purchase or report a transaction I don’t recognize on my Upgrade Card? - Help Center
- Upgrade Card Details - Help Center
- Do I receive statements for my Rewards Checking Preferred account? - Help Center
- Upgrade MyFive Cash Rewards Card Details - Up to $1,500 in Quarterly Spend - Help Center
- How do I find my Rewards Checking routing and account number? - Help Center
- Are there any late fees? - Help Center
- Upgrade MyFive Cash Rewards Card Details - Up to $3,000 in Quarterly Spend - Help Center
- How do I open a Rewards Checking Preferred account? - Help Center
- COVID-19 help for Upgrade customers - Help Center
- Upgrade Select Card Details - Help Center
- Upgrade Select Card Details - No Annual Fee for the First Year - Help Center
- Does Rewards Checking Preferred have a mobile app? - Help Center
- Upgrade Triple Cash Rewards Card Details - Help Center
- Upgrade Triple Cash Rewards Card Details - 3% Cash Back - Help Center
- Can anybody have a Rewards Checking Preferred account? - Help Center
- Upgrade Cash Rewards Card Details - Help Center
- Upgrade Unlimited Cash Rewards Card Details - Help Center
- Upgrade Cash Rewards Elite Card Details - Help Center
- Upgrade Life Rewards Card Details - Help Center
- Welcome Bonus Offer Details: Spend in Select Merchant Categories and/or With Your Digital Wallet - Help Center