Upgrade - Mobile Banking

Get safe and easy mobile banking all in one place! Check your balances, view available credit, pay bills, track your cash back rewards and more.
Features Include:
-Track your Rewards – Earn cash back rewards on your Upgrade Card and Upgrade Debit Card purchases and with Upgrade Shopping4
-Manage your Upgrade Card or Loan through Upgrade – Make payments and check your outstanding balance.
-Monitor your credit score - Check your credit score, get notified of any change in your credit report, and use our credit score simulator to see how different actions may impact your score.
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¹ Rewards Checking Plus customers who set up monthly direct deposits (https://www.upgrade.com/deposits/active-account/) of $1,000 or more earn 2% 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 services, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. 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.
³ Purchases accrue unlimited 1.5% cash back when you pay them back. Certain limitations apply. See website for full Upgrade Cash Back Rewards Program details.
⁴ With Upgrade Shopping powered by Dosh® you accrue cash back on qualifying purchases at participating merchants. For the current list of participating merchants and offers available to you, go to Upgrade Shopping on your account dashboard and click on offers or shop in store to claim rewards. Participating merchants and offer terms may be changed from time to time without notice. Please see website for full Upgrade Shopping Program terms and details.
All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (https://www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. 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). Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).