Upgrading your finances has never been easier.

• Up to 2% cash back on everyday purchases 1
• It’s quick, easy, and free to open an account

Up to $250,000 in FDIC or NCUA insurance through Cross River Bank or Participating Institutions. See disclosures below. *

Why make the switch?

Enjoy premium benefits when you switch to Rewards Checking Preferred and set up a monthly direct deposit of $1,000 or more! 2

Higher Rates (APY) on Savings 3

Add a Performance Savings account when you open your checking account to earn up to 3.05% APY. 3

Up to 2% Cash Back 1

On common everyday expenses, recurring payments and subscriptions.

Mobile Check Deposits

Deposit checks right from your mobile phone.

It’s as easy as 1-2-3

Once your account has been opened, you'll receive a link to the switch kit to guide you through the steps below.

1. Set up direct deposit

Easily set up direct deposit with our automated tool, simple authorization form, or manually enter your Upgrade account information to your payroll provider.

2. Transfer automatic payments

Transfer all automatic payments so that they come from your Upgrade Visa® Debit Card or Rewards Checking Preferred account.

3. Close your old account

After verifying that all outstanding transactions have completed, submit an account closing letter to your former account holder.

Don’t have an Upgrade account yet?

Sign Up

Manage your money on the go

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

Point your phone's camera at this code to download the app

Need Assistance?

Thinking about switching to Upgrade? Our support team is here to help. Whether you have questions about our services or need guidance on how to make the switch, reach out to us anytime at depositsupport@upgrade.com

FAQ

What is a Switch Kit?

A Switch Kit is a set of tools and forms designed to help you seamlessly switch your primary banking relationship to Upgrade. It includes everything you need to transfer your direct deposits, automatic payments, and close your old bank account.

Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by Cross River Bank, Member FDIC.

What information will I have to know when completing the Switch Kit?

You will need to gather information such as your current bank account details, the list of automatic payments you have set up, and any direct deposits that need to be transferred. The Switch Kit includes forms to help you collect and organize this information.