Upgrade Checking and Savings 2024 Review

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Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Upgrade Checking and Savings 2024 Review","alternativeHeadline":"Upgrade Checking and Savings Review 2024: Features, Benefits, and Alternatives","image":{"@type":"ImageObject","url":"https://i.insider.com/63c70eadeee94d001a78b7a7?width=1200&format=jpeg","width":1200,"height":900,"caption":"Upgrade savings accounts pay high rates, and you can earn cash back with its checking account."},"name":"Upgrade Checking and Savings Review 2024: Features, Benefits, and Alternatives","datePublished":"2024-10-02T21:28:58Z","dateModified":"2024-11-08T02:08:34Z","description":"Explore the fintech platform Upgrade in 2024. We provide expert insights on its cash-back checking account and two high-yield savings accounts.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.Upgrade is a good option if you're looking for free checking, cash back on debit card purchases, and competitive high-yield savings account interest rates — but you'll have to meet balance requirements to get the best perks.Upgrade is a digital-only consumer credit platform offering Upgrade personal loans, credit lines, checking and savings accounts, and a handful of credit monitoring tools. The company was founded in 2016 and is headquartered in San Francisco, with offices in Phoenix, Atlanta, and Montreal. The company has no branch locations, so customers should be comfortable with online and mobile banking.Upgrade Premier Savings is a standalone account. If you want to open the Upgrade Rewards Checking Plus account and a savings account, you'll need to open Upgrade Performance Savings.Funds deposited in Upgrade accounts are FDIC or NCUA insured through Cross River Bank or participating institutions, for up to $1 million per deposit, per account ownership type. The platform also now offers joint accounts for both Upgrade Rewards Checking Plus and Uprade Premier Savings.Upgrade is a fintech company that offers deposit accounts — it isn't a bank itself. Instead, it partners with Cross River Bank to offer accounts and FDIC insurance.This isn't an uncommon practice. The popular investment platform Wealthfront offers the Wealthfront Cash Account, and it's partnered with multiple banks to offer extra FDIC insurance.Cross River Bank is a legitimate institution founded in 2008, and it started partnering with digital platforms in 2010. It partners with other digital platforms, including Rocket Loans, Upstart, and more.no monthly service feeup to 4.41%$0Like many online banks, the platform pays more than average savings account interest rates. However, you'll need to meet certain requirements to get the best APY on either savings account.The Upgrade Premier Savings account pays a high rate of up to 4.41% APY, but you need a balance of at least $1,000 to earn interest. You'll earn 0% on days your balance dips below the threshold.You'll earn 1.50% or 5.02% APY if you open an Upgrade Performance Savings account. To get the higher APY on the savings account, you must receive monthly direct deposits of $1,000 or more through Upgrade. Otherwise, you aren't considered an active account holder and will only earn 1.50% APY.Upgrade savings accounts do not have any annual or monthly fees. The platform's checking account does not have monthly or overdraft fees.If you use an out-of-network ATM, there's a $2.50 withdrawal fee. The out-of-network provider may also charge an additional fee.The company's mobile app is well-regarded, with 4.9 stars from over 44,000 reviews in the Apple store and 4.7 stars from over 20,000 reviews in the Google Play store.Live phone support is available weekdays from 5 a.m. to 7 p.m. PT and weekends from 6 a.m. to 5 p.m. PT. You can also reach customer support via Twitter, email, or live chat, depending on your account type (live chat isn't available yet for banking accounts).The Better Business Bureau (BBB) gives Upgrade an A+ rating. A strong BBB grade indicates a company responds effectively to customer complaints, maintains transparent business practices, and makes truthful advertising claims. However, remember that BBB ratings don't guarantee a business's reliability or performance.Upgrade's partner institution, Cross River Bank, has a C- rating due to the high number of customer complaints on the BBB website. Cross River also hasn't resolved some of the complaints.The Consumer Financial Protection Bureau has received numerous complaints about Upgrade in the past year. However, only 11% of the complaints involved checking or savings accounts (most related to problems with purchases shown on card statements).Upgrade Premier Savings might be a good option if you're solely to get a high-yield savings account.You cannot open an Upgrade Premier Savings account if you also have a Upgrade Rewards Checking Plus account, and vice versa.You'll need to maintain at least $1,000 to get the competitive savings rate. Otherwise, you'll be better off at a different financial institution. Some of the best online banks have high-yield savings accounts that do not have any minimum balance requirements for earning interest.If you want to open a checking account at the same place, Upgrade Performance Savings will be a better choice than Upgrade Premier Savings. You can get this account with Upgrade Rewards Checking Plus.Similar to Upgrade Premier Savings, you have to meet certain requirements to get the highest APY. If you don't want to set up direct deposits at Upgrade, other online high-yield savings accounts may be more appealing. You'll only earn 1.50% APY if you don't have direct deposits set up for a qualifying amount.Upgrade Rewards Checking Plus is an online checking account with zero account fees or overdraft fees.You'll need to receive direct deposits of $1,000 or more to qualify for up to 2% cash back on everyday debit card purchases, and an unlimited 1% cash back on everything else. The 2% cash back is limited to $500 in rewards per calendar year. After that, you'll earn 1% cash back on all eligible purchases for the rest of the year.If you don't regularly receive direct deposits, you'll earn 1% cash back on everyday debit card purchases and 0.50% cash back on everything else.Your cash-back debit card will pay cash back when you use it for everyday expenses and recurring payments, including:Rewards Checking Plus customers also receive discounts on new loans and card offers.Upgrade offers a variety of personal loans, with loan amounts from $1,000 to $50,000 and repayment terms ranging from two to seven years.You can also get an Upgrade credit card through the platform. Many Upgrade cards offer cash-back perks, and all offer a $200 bonus when you open and deposit money into a Rewards Checking account and make three qualifying debit card transactions within 60 days of card account opening.To open an Upgrade account online, you must be a U.S. citizen or permanent resident who is at least 18 years old.Keep in mind that you can't open certain Upgrade accounts together. For example, if you get Upgrade Premier Savings you can't get Upgrade Rewards Checking Plus. Instead, you'll have to open Upgrade Performance Savings.Upgrade is an online-only platform, so there aren't any physical locations where you can open an account. You have to apply through the platform's website or mobile app. The application asks for personal information and documentation that can help verify your identity, like a Social Security number and driver's license.To maximize your savings at Upgrade, you should review each account's requirements for earning perks. That way, you can get the most out of your account.If you are interested in Upgrade Premier Savings, you have to regularly maintain $1,000 or more in your account, or you won't earn any interest.If you more interested in the platform's checking/savings combination, then you have to regularly receive direct deposits of $1,000 or more each month on Upgrade. Otherwise, you won't qualify for either account's highest APY or cash-back perks.Featured Nationally Available High-Yield Savings AccountSavings accounts offering at least 5% are considered competitive. Upgrade and Current are fintech banking platforms with FDIC coverage and zero fees. However, the former has several advantages, including higher savings account interest rates, cash back on debit card purchases, and an A+ BBB rating. Current has an A rating since it's received numerous complaints on the BBB website.Current customers earn interest through \"Savings Pods,\" but you're limited to three pods with a maximum per-pod balance of $2,000 (and you need a qualifying direct deposit of $500 or more to qualify for the best rates).On the plus side, Current has a large network of fee-free in-network ATMs and offers two-day early direct deposit, so you can get your paycheck sooner.Current ReviewUpgrade and Varo Bank have a few similarities. Both charge zero fees and offer competitive interest rates on savings, plus your money is FDIC-insured.Varo also has requirements for getting the best savings rates — but Upgrade's are a bit more flexible. You just need to maintain a $1,000 balance to get the best rates with Upgrade. With Varo, you need qualifying direct deposits totaling at least $1,000 and a balance of less than $5,000; above that, you'll earn a lower rate.Varo Bank ReviewWe rated the platform's accounts and services using Business Insider's bank account methodology. We generally look at customer support, mobile apps, and ethics, plus other factors depending on the type of account we're reviewing. For example, we consider ATM and overdraft fees for checking accounts and interest rates for savings accounts.While Upgrade is not technically bank, it is a legitimate company. It is an accredited BBB business with an A+ rating. Its BBB customer reviews are largely positive, with over 4.5 out of 5 stars from around 3,000 customers. Account deposits are FDIC or NCUA insured through Cross River Bank or participating institutions.Upgrade's partner bank for deposit accounts is Cross River Bank, which provides your deposits with up to $250,000 per ownership category in FDIC insurance. Blue Ridge Bank finances personal and auto loans, NYDIG Execution LLC provides bitcoin services, and Sutton Bank offers cards.Banking with Upgrade offers several perks. For example, Upgrade checking and savings accounts have minimal common bank fees. The checking account also offers cash back on debit card purchases, and the savings accounts have competitive savings rates if you meet certain requirements.You can open an account with Upgrade online. You must be at least 18 years old, and a U.S. citizen or permanent resident.Upgrade has personal loans (installment loans ranging from $1,000 to $50,000), personal lines of credit, Performance and Premier savings accounts, a Rewards checking Plus account, and a suite of credit monitoring tools.Upgrade is a fintech company, not a bank. According to its website, the platform partners with banks and other financial institutions that originate loans, provide deposit accounts, and offer additional services customers obtain through Upgrade. The company does business under the following DBAs: Cross River Bank, Blue Ridge Bank, NYDIG Execution LLC (which provides bitcoin services), and Sutton Bank.Upgrade does not charge monthly maintenance fees, overdraft fees, or annual fees on accounts. There is a $2.50 out-of-network ATM fee, though.","articleSection":"Personal Finance, Banking, Savings","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Is Upgrade a legitimate bank?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">While Upgrade is not technically bank, it is a legitimate company. It is an accredited BBB business with an A+ rating. Its BBB customer reviews are largely positive, with over 4.5 out of 5 stars from around 3,000 customers. 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It often indicates a user profile.</desc> <path class="account-icon-path" fill-rule="evenodd" clip-rule="evenodd" d="M9 0C6.23858 0 4 2.23858 4 5C4 7.76142 6.23858 10 9 10C11.7614 10 14 7.76142 14 5C14 2.23858 11.7614 0 9 0ZM6 5C6 3.34315 7.34315 2 9 2C10.6569 2 12 3.34315 12 5C12 6.65685 10.6569 8 9 8C7.34315 8 6 6.65685 6 5Z" fill="#0a0a0a"/> <path class="account-icon-path" d="M5 12C3.67392 12 2.40215 12.5268 1.46447 13.4645C0.526784 14.4021 0 15.6739 0 17V19C0 19.5523 0.447715 20 1 20C1.55228 20 2 19.5523 2 19V17C2 16.2043 2.31607 15.4413 2.87868 14.8787C3.44129 14.3161 4.20435 14 5 14H13C13.7956 14 14.5587 14.3161 15.1213 14.8787C15.6839 15.4413 16 16.2044 16 17V19C16 19.5523 16.4477 20 17 20C17.5523 20 18 19.5523 18 19V17C18 15.6739 17.4732 14.4021 16.5355 13.4645C15.5979 12.5268 14.3261 12 13 12H5Z" fill="#0a0a0a"/> </svg> </a> </div> <button class="menu-wrapper hamburger-btn" data-drawer-toggle="commerce" data-interaction-trigger="drawer" aria-label="Menu" aria-expanded="false" 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Upgrade Accounts </a> </li> <li> <a href="#how-to-open-an-account" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Open an Account </a> </li> <li> <a href="#how-to-get-the-most-out-of-upgrade" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Get the Most Out of Upgrade </a> </li> <li> <a href="#how-upgrade-compares" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Upgrade Compares </a> </li> <li> <a 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stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg> <a href="/personal-finance/savings" class="" data-track-click="{"product_field":"Savings","element_name":"breadcrumbs","event":"navigation"}" > Savings </a> </span> </div> <h1 class="post-headline ">Upgrade Checking and Savings Review 2024: Features, Benefits, and Alternatives</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Jean Folger" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/jean-folger" >Jean Folger</a></span> and <span class="" data-e2e-name="Sophia Acevedo" > <a class="byline-link byline-author-name" 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data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Top Features </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#pros-and-cons" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Pros and Cons </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#upgrade-accounts" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Upgrade Accounts </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-to-open-an-account" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Open an Account </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-to-get-the-most-out-of-upgrade" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Get the Most Out of Upgrade </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-upgrade-compares" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Upgrade Compares </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-you-should-trust-us" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#overall-rating" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overall Rating </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#introduction" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Introduction </a> </li> <li> <a href="#top-features" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Top Features </a> </li> <li> <a href="#pros-and-cons" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Pros and Cons </a> </li> <li> <a href="#upgrade-accounts" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Upgrade Accounts </a> </li> <li> <a href="#how-to-open-an-account" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Open an Account </a> </li> <li> <a href="#how-to-get-the-most-out-of-upgrade" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Get the Most Out of Upgrade </a> </li> <li> <a href="#how-upgrade-compares" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How Upgrade Compares </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> <li> <a href="#overall-rating" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Overall Rating </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/banking/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate banking products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>Upgrade is a good option if you're looking for free checking, cash back on debit card purchases, and competitive <a href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-analytics-product-module="body_link" rel="">high-yield savings account</a> interest rates — but you'll have to meet balance requirements to get the best perks.</p><h2 data-toc-label="Introduction" id="introduction" class="toc-anchor">Upgrade Overview</h2><h3>What is Upgrade?</h3><p>Upgrade is a digital-only consumer credit platform offering <a href="https://www.businessinsider.com/personal-finance/personal-loans/upgrade-personal-loans-review" data-analytics-product-module="body_link" rel="">Upgrade personal loans</a>, credit lines, checking and savings accounts, and a handful of credit monitoring tools. The company was founded in 2016 and is headquartered in San Francisco, with offices in Phoenix, Atlanta, and Montreal. The company has no branch locations, so customers should be comfortable with online and mobile banking.</p><p>Upgrade Premier Savings is a standalone account. If you want to open the Upgrade Rewards Checking Plus account <em>and</em> a savings account, you'll need to open Upgrade Performance Savings.</p><p>Funds deposited in Upgrade accounts are FDIC or <a href="https://www.businessinsider.com/personal-finance/how-ncua-insurance-works-credit-union" data-analytics-product-module="body_link" rel="">NCUA</a> insured through Cross River Bank or participating institutions, for up to $1 million per deposit, per account ownership type. The platform also now offers joint accounts for both Upgrade Rewards Checking Plus and Uprade Premier Savings.</p><h3>About Cross River Bank, Upgrade's Partner Bank</h3><p>Upgrade is a fintech company that offers deposit accounts — it isn't a bank itself. Instead, it partners with Cross River Bank to offer accounts and <a href="https://www.businessinsider.com/personal-finance/banking/fdic" data-analytics-product-module="body_link" rel="">FDIC</a> insurance.</p><p>This isn't an uncommon practice. The popular investment platform Wealthfront offers the Wealthfront Cash Account, and it's partnered with multiple banks to offer extra FDIC insurance.</p><p>Cross River Bank is a legitimate institution founded in 2008, and it started partnering with digital platforms in 2010. It partners with other digital platforms, including <a href="https://www.businessinsider.com/personal-finance/personal-loans/rocket-loans-personal-loans-review" data-analytics-product-module="body_link" rel="">Rocket Loans</a>, <a href="https://www.businessinsider.com/personal-finance/personal-loans/upstart-personal-loan-review" data-analytics-product-module="body_link" rel="">Upstart</a>, and more.</p> <div id="upgrade-premier-savings" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Upgrade Premier Savings</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/81ca2d87-4bdb-41eb-9150-abdb3945b3fe" rel="nofollow noindex" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Start saving </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">FDIC Insured Account</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/81ca2d87-4bdb-41eb-9150-abdb3945b3fe" rel="nofollow noindex" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" data-analytics-product-index="1" 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five pointed star</desc> <defs> <linearGradient id="Gradient_0.6802910389631178"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6802910389631178)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9143728074985524"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9143728074985524)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9615038270547196"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9615038270547196)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.1736941562385057"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.1736941562385057)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.45864482933387385"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.45864482933387385)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Fees </strong> </div> <p class="financial-product-card__specs__text headline-regular">no monthly service fee</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Percentage Yield (APY) </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">The Annual Percentage Yield (“APY”) for the Premier Savings account is variable and may change at any time. There is no minimum balance to open your account, but you will only earn the APY on days when the closing balance of your Premiere Savings account is or exceeds $1000. On days where the account closing balance drops below $1000, the APY will be 0%.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">up to 4.41%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Opening Deposit </strong> </div> <p class="financial-product-card__specs__text headline-regular">$0</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>High interest rate</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No monthly service fees</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No minimum opening deposit</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Must maintain at least $1,000 in account to earn interest</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>May not be easy to deposit cash</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 4.41% APY, on $1,000 or more</li> <li class="financial-product-card__product-details__list-item">No monthly account fees</li> <li class="financial-product-card__product-details__list-item">Up to $1 million in FDIC or NCUA insurance through Cross River Bank or Participating Institutions</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 data-toc-label="Top Features" id="top-features" class="toc-anchor">Top Features of Upgrade Accounts</h2><h3>Current Upgrade Account Rates and How They Compare</h3><p>Like many online banks, the platform pays more than <a href="https://www.businessinsider.com/personal-finance/banking/average-savings-account-interest-rate" data-analytics-product-module="body_link" rel="">average savings account interest rates</a>. However, you'll need to meet certain requirements to get the best APY on either savings account.</p><p>The <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/81ca2d87-4bdb-41eb-9150-abdb3945b3fe">Upgrade Premier Savings</a> account pays a high rate of up to 4.41% APY, but you need a balance of at least $1,000 to earn interest. You'll earn 0% on days your balance dips below the threshold.</p><p>You'll earn 1.50% or 5.02% APY if you open an <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="64679dd15037440011f09ce4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Performance Savings" href="https://www.businessinsider.com/personal-finance/upgrade-checking-bridge">Upgrade Performance Savings</a> account. To get the higher APY on the savings account, you must receive monthly direct deposits of $1,000 or more through Upgrade. Otherwise, you aren't considered an active account holder and will only earn 1.50% APY.</p><h3>Upgrade Account Fees and Charges</h3><p>Upgrade savings accounts do not have any annual or monthly fees. The platform's checking account does not have monthly or <a href="https://www.businessinsider.com/personal-finance/banking/overdraft-fees-what-banks-charge" data-analytics-product-module="body_link" rel="">overdraft fees</a>.</p><p>If you use an out-of-network ATM, there's a $2.50 withdrawal fee. The out-of-network provider may also charge an additional fee.</p><h3>Upgrade Mobile App Ratings</h3><p>The company's mobile app is well-regarded, with 4.9 stars from over 44,000 reviews in the Apple store and 4.7 stars from over 20,000 reviews in the Google Play store.</p><h3>Upgrade Customer Support and Service</h3><p>Live phone support is available weekdays from 5 a.m. to 7 p.m. PT and weekends from 6 a.m. to 5 p.m. PT. You can also reach customer support via Twitter, email, or live chat, depending on your account type (live chat isn't available yet for banking accounts).</p><p>The Better Business Bureau (BBB) gives Upgrade an <a href="https://www.bbb.org/us/ca/san-francisco/profile/loans/upgrade-inc-1116-876655" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A+ rating</a>. A strong BBB grade indicates a company responds effectively to customer complaints, maintains transparent business practices, and makes truthful advertising claims. However, remember that BBB ratings don't guarantee a business's reliability or performance.</p><p>Upgrade's partner institution, Cross River Bank, has a <a href="https://www.bbb.org/us/nj/teaneck/profile/bank/cross-river-bank-0221-90139466/overview-of-bbb-ratings" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">C- rating</a> due to the high number of customer complaints on the BBB website. Cross River also hasn't resolved some of the complaints.</p><p>The <a href="https://www.consumerfinance.gov/data-research/consumer-complaints/search/?chartType=line&company=Upgrade%2C%20Inc.&dateInterval=Month&dateRange=1y&date_received_max=2023-05-17&date_received_min=2022-05-17&lens=Product&searchField=all&searchText=upgrade%2C%20inc&subLens=issue&tab=Trends" target="_blank" rel="noopener" data-analytics-product-module="body_link">Consumer Financial Protection Bureau</a> has received numerous complaints about Upgrade in the past year. However, only 11% of the complaints involved checking or savings accounts (most related to problems with purchases shown on card statements).</p><h2 data-toc-label="Pros and Cons" id="pros-and-cons" class="toc-anchor">Upgrade Banking Pros and Cons</h2><h3>Upgrade Banking Pros</h3><ul><li>No overdraft, or monthly service fees</li><li>Competitive savings account interest rates</li><li>Up to 2% cash back on debit card purchases</li><li>Top-rated <a href="https://www.businessinsider.com/personal-finance/banking/best-mobile-banking-apps" rel="">mobile banking app</a></li></ul><h3>Upgrade Banking Cons</h3><ul><li aria-level="1">Out-of-network ATM fees</li><li aria-level="1">No cash deposits</li><li aria-level="1">$1,000 minimum balance to earn the best APYs (Annual Percentage Yields)</li><li aria-level="1">No <a href="https://www.businessinsider.com/personal-finance/banking/what-is-overdraft-protection" rel="">overdraft protection</a></li><li aria-level="1">2% cash back capped at $500/year; after that, you earn 1% on eligible purchases</li></ul><h2 data-toc-label="Upgrade Accounts" id="upgrade-accounts" class="toc-anchor">Upgrade Accounts</h2><h3>Upgrade Premier Savings Review</h3><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/81ca2d87-4bdb-41eb-9150-abdb3945b3fe">Upgrade Premier Savings</a> might be a good option if you're solely to get a high-yield savings account.</p><p>You cannot open an <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/81ca2d87-4bdb-41eb-9150-abdb3945b3fe">Upgrade Premier Savings</a> account if you also have a Upgrade Rewards Checking Plus account, and vice versa.</p><p>You'll need to maintain at least $1,000 to get the competitive savings rate. Otherwise, you'll be better off at a different financial institution. Some of the <a href="https://www.businessinsider.com/personal-finance/banking/best-online-banks" data-analytics-product-module="body_link" rel="">best online banks</a> have high-yield savings accounts that do not have any minimum balance requirements for earning interest.</p><h3>Upgrade Performance Savings Review</h3><p>If you want to open a checking account at the same place, <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="64679dd15037440011f09ce4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Performance Savings" href="https://www.businessinsider.com/personal-finance/upgrade-checking-bridge">Upgrade Performance Savings</a> will be a better choice than <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/81ca2d87-4bdb-41eb-9150-abdb3945b3fe">Upgrade Premier Savings</a>. You can get this account with <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="644bf9d121b87400186a58ca" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Rewards Checking Plus" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/e89107cb-76d4-4009-acc4-b9acf6b879eb">Upgrade Rewards Checking Plus</a>.</p><p>Similar to <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/81ca2d87-4bdb-41eb-9150-abdb3945b3fe">Upgrade Premier Savings</a>, you have to meet certain requirements to get the highest APY. If you don't want to set up direct deposits at Upgrade, other online high-yield savings accounts may be more appealing. You'll only earn 1.50% APY if you don't have direct deposits set up for a qualifying amount.</p><h3>Upgrade Rewards Checking Plus Review</h3><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="644bf9d121b87400186a58ca" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Rewards Checking Plus" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/e89107cb-76d4-4009-acc4-b9acf6b879eb">Upgrade Rewards Checking Plus</a> is an online <a href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-analytics-product-module="body_link" rel="">checking account</a> with zero account fees or overdraft fees.</p><p>You'll need to receive direct deposits of $1,000 or more to qualify for up to 2% cash back on everyday debit card purchases, and an unlimited 1% cash back on everything else. The 2% cash back is limited to $500 in rewards per calendar year. After that, you'll earn 1% cash back on all eligible purchases for the rest of the year.</p><p>If you don't regularly receive direct deposits, you'll earn 1% cash back on everyday debit card purchases and 0.50% cash back on everything else.</p><p>Your <a href="https://www.businessinsider.com/personal-finance/banking/cash-back-debit-cards" data-analytics-product-module="body_link" rel="">cash-back debit card</a> will pay cash back when you use it for everyday expenses and recurring payments, including:</p><ul><li aria-level="1">Convenience and drug stores</li><li aria-level="1">Gas stations</li><li aria-level="1">Monthly subscriptions</li><li aria-level="1">Restaurants</li><li aria-level="1">Utilities and mobile phone plans</li></ul><p>Rewards Checking Plus customers also receive discounts on new loans and card offers.</p><h3>Other Upgrade Products</h3><p>Upgrade offers a variety of personal loans, with loan amounts from $1,000 to $50,000 and repayment terms ranging from two to seven years.</p><p>You can also get an <a href="https://www.businessinsider.com/personal-finance/credit-cards/upgrade-card-reviews" data-analytics-product-module="body_link" rel="">Upgrade credit card</a> through the platform. Many Upgrade cards offer cash-back perks, and all offer a $200 bonus when you open and deposit money into a Rewards Checking account and make three qualifying debit card transactions within 60 days of card account opening.</p><h2 data-toc-label="How to Open an Account" id="how-to-open-an-account" class="toc-anchor">How to Open an Account with Upgrade</h2><h3>Upgrade Eligibility Requirements</h3><p>To open an Upgrade account online, you must be a U.S. citizen or permanent resident who is at least 18 years old.</p><p>Keep in mind that you can't open certain Upgrade accounts together. For example, if you get <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/81ca2d87-4bdb-41eb-9150-abdb3945b3fe">Upgrade Premier Savings</a> you can't get <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="644bf9d121b87400186a58ca" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Rewards Checking Plus" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/e89107cb-76d4-4009-acc4-b9acf6b879eb">Upgrade Rewards Checking Plus</a>. Instead, you'll have to open <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="64679dd15037440011f09ce4" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Performance Savings" href="https://www.businessinsider.com/personal-finance/upgrade-checking-bridge">Upgrade Performance Savings</a>.</p><h3>Step-by-Step Guide to Opening an Upgrade Account</h3><p>Upgrade is an online-only platform, so there aren't any physical locations where you can open an account. You have to apply through the platform's website or mobile app. The application asks for personal information and documentation that can help verify your identity, like a Social Security number and driver's license.</p><h2 data-toc-label="How to Get the Most Out of Upgrade" id="how-to-get-the-most-out-of-upgrade" class="toc-anchor">How to Get the Most Out of Upgrade</h2><p>To maximize your savings at Upgrade, you should review each account's requirements for earning perks. That way, you can get the most out of your account.</p><p>If you are interested in <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6362ccaa98e9030018fa45db" data-analytics-product-brand="Upgrade" data-analytics-product-name="Upgrade Premier Savings" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/81ca2d87-4bdb-41eb-9150-abdb3945b3fe">Upgrade Premier Savings</a>, you have to regularly maintain $1,000 or more in your account, or you won't earn any interest.</p><p>If you more interested in the platform's checking/savings combination, then you have to regularly receive direct deposits of $1,000 or more each month on Upgrade. Otherwise, you won't qualify for either account's highest APY or cash-back perks.</p><h2 data-toc-label="How Upgrade Compares" id="how-upgrade-compares" class="toc-anchor">Upgrade Checking and Savings Account Alternatives</h2><aside class="quick-tip headline-regular ignore-typography"><p><strong>Featured Nationally Available High-Yield Savings Account</strong></p><p><a href="https://www.businessinsider.com/personal-finance/banking/5-percent-interest-savings-accounts" data-analytics-product-module="body_link" rel="">Savings accounts offering at least 5%</a> are considered competitive. </p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 245px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 42.493%; height: 22px;" class="headline-regular headline-semibold">Account Name</td><td style="width: 32.507%; height: 22px;" class="headline-regular headline-semibold">APYs (Annual Percentage Yields) are accurate as of 11/22/2024</td><td style="width: 25%; height: 22px;" class="headline-regular headline-semibold">Minimum Account Opening Balance</td></tr><tr style="height: 47px;"><td style="width: 42.493%; height: 47px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e0d1991bd3f833fe53fa64" data-analytics-product-brand="Featured Savings Offer - Position 1" data-analytics-product-name="Featured Offer - LendingClub LevelUp Savings Account" href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06">LendingClub LevelUp Savings Account</a></td><td style="width: 32.507%; height: 47px;" class="headline-regular">up to 5.00%*</td><td style="width: 25%; height: 47px;" class="headline-regular">$0</td></tr><tr style="height: 22px;"><td style="width: 42.493%; height: 22px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="65e0d22a5baabf02d6c24941" data-analytics-product-brand="Featured Savings Offer - Position 2" data-analytics-product-name="Featured Offer - Valley Direct Savings Promo" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71413-20&h=9cdabfb3f645b2a0619350fd7cf8d818765049380163ca6c4533bdec21d8741e&platform=browser&postID=669efd7d20eaab25bc20995c&postSlug=personal-finance%2Fbanking%2Fupgrade-checking-savings-review&site=bi&u=https%3A%2F%2Fwww.tkqlhce.com%2Fclick-101063856-15483222" data-am-orig-url="https://affiliate.insider.com/?h=9cdabfb3f645b2a0619350fd7cf8d818765049380163ca6c4533bdec21d8741e&u=https%3A%2F%2Fwww.tkqlhce.com%2Fclick-101063856-15483222">Valley Direct Savings Promo</a></td><td style="width: 32.507%; height: 22px;" class="headline-regular">4.80% (for new customers only)</td><td style="width: 25%; height: 22px;" class="headline-regular">$1</td></tr><tr style="height: 22px;"><td style="width: 42.493%; height: 22px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener" data-analytics-product-module="tables" data-analytics-product-id="65e0d2511bd3f833fe53fa66" data-analytics-product-brand="Featured Savings Offer - Position 3" data-analytics-product-name="Featured Offer - BrioDirect High-Yield Savings Account" href="http://p.pohik.com/cgi/r?;n=203;c=1685766;s=29151;x=7936;f=202405291635520;u=j;z=TIMESTAMP">BrioDirect High-Yield Savings Account</a></td><td style="width: 32.507%; height: 22px;" class="headline-regular">4.85%</td><td style="width: 25%; height: 22px;" class="headline-regular">$5,000</td></tr><tr style="height: 43px;"><td style="width: 42.493%; height: 43px;" class="headline-regular headline-semibold"><a target="_blank" rel="nofollow noopener sponsored noindex" data-analytics-product-module="tables" data-analytics-product-id="65e0d1e71bd3f833fe53fa65" data-analytics-product-brand="Featured Savings Offer - Position 4" data-analytics-product-name="Featured Offer - Barclays Tiered Savings" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71413-20&h=48759513801be4091fdf2b87ce6e65da4fafd66fa83c55a949b3ff431af87a99&platform=browser&postID=669efd7d20eaab25bc20995c&postSlug=personal-finance%2Fbanking%2Fupgrade-checking-savings-review&site=bi&u=https%3A%2F%2Fwww.kqzyfj.com%2Fclick-101063856-15218420" data-am-orig-url="https://affiliate.insider.com/?h=48759513801be4091fdf2b87ce6e65da4fafd66fa83c55a949b3ff431af87a99&u=https%3A%2F%2Fwww.kqzyfj.com%2Fclick-101063856-15218420">Barclays Tiered Savings</a></td><td style="width: 32.507%; height: 43px;" class="headline-regular">up to 4.80%**</td><td style="width: 25%; height: 43px;" class="headline-regular">$0</td></tr></tbody></table></div></aside><h3><strong>Upgrade vs. Current</strong></h3><p>Upgrade and Current are fintech banking platforms with FDIC coverage and zero fees. However, the former has several advantages, including higher savings account interest rates, cash back on debit card purchases, and an A+ BBB rating. Current has an <a href="https://www.bbb.org/us/ny/new-york/profile/financial-technology/current-0121-174850" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">A rating</a> since it's received numerous complaints on the BBB website.</p><p>Current customers earn interest through "Savings Pods," but you're limited to three pods with a maximum per-pod balance of $2,000 (and you need a qualifying direct deposit of $500 or more to qualify for the best rates).</p><p>On the plus side, Current has a large network of fee-free in-network ATMs and offers two-day <a href="https://www.businessinsider.com/personal-finance/banking/bank-accounts-early-direct-deposit" data-analytics-product-module="body_link" rel="">early direct deposit</a>, so you can get your paycheck sooner.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/current-banking-review" data-analytics-product-module="body_link" rel="">Current Review</a></em></p><h3><strong>Upgrade vs. Varo Bank</strong></h3><p>Upgrade and Varo Bank have a few similarities. Both charge zero fees and offer competitive interest rates on savings, plus your money is FDIC-insured.</p><p>Varo also has requirements for getting the best savings rates — but Upgrade's are a bit more flexible. You just need to maintain a $1,000 balance to get the best rates with Upgrade. With Varo, you need qualifying direct deposits totaling at least $1,000 and a balance of <em>less</em> than $5,000; above that, you'll earn a lower rate.</p><p><em><a href="https://www.businessinsider.com/personal-finance/banking/varo-bank-review" data-analytics-product-module="body_link" rel="">Varo Bank Review</a></em></p><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: How We Reviewed Upgrade Checking and Savings</h2><p>We rated the platform's accounts and services using Business Insider's <a href="https://www.businessinsider.com/personal-finance/banking/methodology" data-analytics-product-module="body_link" rel="">bank account methodology</a>. We generally look at customer support, mobile apps, and ethics, plus other factors depending on the type of account we're reviewing. For example, we consider ATM and overdraft fees for checking accounts and interest rates for savings accounts.</p><h3 data-toc-label="Overall Rating" id="overall-rating" class="toc-anchor">Business Insider's Overall Upgrade Rating</h3><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 154px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Feature</td><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Rating (out of 5)</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Premier Savings</td><td style="width: 50%; height: 22px;" class="headline-regular">4.5</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Performance Savings</td><td style="width: 50%; height: 22px;" class="headline-regular">4.5</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Checking</td><td style="width: 50%; height: 22px;" class="headline-regular">4.25</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Trustworthiness</td><td style="width: 50%; height: 22px;" class="headline-regular">4</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;" class="headline-regular headline-semibold">Total</td><td style="width: 50%; height: 22px;" class="headline-regular">4.25</td></tr></tbody></table></div><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Upgrade Checking and Savings FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is Upgrade a legitimate bank? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">While Upgrade is not technically bank, it is a legitimate company. It is an accredited BBB business with an A+ rating. Its BBB customer reviews are largely positive, with over 4.5 out of 5 stars from around 3,000 customers. Account deposits are FDIC or NCUA insured through Cross River Bank or participating institutions.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What bank is Upgrade associated with? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Upgrade's partner bank for deposit accounts is Cross River Bank, which provides your deposits with up to $250,000 per ownership category in FDIC insurance. Blue Ridge Bank finances personal and auto loans, NYDIG Execution LLC provides bitcoin services, and Sutton Bank offers cards.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What are the benefits of banking with Upgrade? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Banking with Upgrade offers several perks. For example, Upgrade checking and savings accounts have minimal <a href="https://www.businessinsider.com/personal-finance/banking/how-to-avoid-bank-fees" data-analytics-product-module="body_link" rel="">common bank fees</a>. The checking account also offers cash back on debit card purchases, and the savings accounts have competitive savings rates if you meet certain requirements.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I open an account with Upgrade? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can open an account with Upgrade online. You must be at least 18 years old, and a U.S. citizen or permanent resident.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What financial products does Upgrade offer? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Upgrade has personal loans (installment loans ranging from $1,000 to $50,000), personal lines of credit, Performance and Premier savings accounts, a Rewards checking Plus account, and a suite of <a href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-monitoring-services" data-analytics-product-module="body_link" rel="">credit monitoring tools</a>.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How does Upgrade compare to traditional banks? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Upgrade is a fintech company, not a bank. <a href="https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">According to its website</a>, the platform partners with banks and other financial institutions that originate loans, provide deposit accounts, and offer additional services customers obtain through Upgrade. The company does business under the following DBAs: Cross River Bank, Blue Ridge Bank, NYDIG Execution LLC (which provides bitcoin services), and Sutton Bank.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there any fees associated with Upgrade accounts? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Upgrade does not charge <a href="https://www.businessinsider.com/personal-finance/banking/monthly-bank-maintenance-fee" data-analytics-product-module="body_link" rel="">monthly maintenance fees</a>, overdraft fees, or annual fees on accounts. There is a $2.50 out-of-network ATM fee, though.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=pfi&resize=1&ident=99&pub_inventory=banking/upgrade-checking-savings-review-pfi-banking" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/jean-folger" target="_blank" data-analytics-product-module="author-bio" rel=""> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/jean-folger" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Jean Folger</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Jean Folger <span>has 15+ years of experience as a financial writer covering real estate, investing, active trading, retirement planning, and retiring abroad. </span></span> <span>She is co-founder of <a href="https://www.powerzonetrading.com/" rel=" nofollow">PowerZone Trading</a>, a company that has provided programming, consulting, and strategy development services to active traders and investors since 2004.</span> <span>Previously, Jean was a real estate broker, an English teacher, and a trip leader for an adventure travel company.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="sophia-acevedo"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Sophia Acevedo's face against a gray background"> <noscript> <img src="https://i.insider.com/6554fbef36d588dc55d0ea4a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/sophia-acevedo" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Sophia Acevedo</div> </a> <div class="post-author_title headline-regular">Banking Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Sophia Acevedo is a banking editor at Business Insider. She has spent three years as a personal finance journalist and is an expert across numerous banking topics. </span><span><span class="headline-semibold">Experience</span></span><span>Sophia leads Personal Finance Insider's banking coverage, including reviews, guides, reference articles, and news. She edits and updates articles about banks, checking and savings accounts, CD rates, budgeting, and general saving. Sophia was also a part of Business Insider's 2024 series "<a href="https://www.businessinsider.com/category/my-financial-life" rel="">My Financial Life</a>," which focused on telling stories that could help people live and spend better.</span><span>Before joining Business Insider, Sophia worked as a journalist at her college newspaper and was a freelance writer. She has spent seven years writing and editing as a journalist.</span><span>Sophia was nominated for an Axel Springer Award for Change in 2023 for her coverage of ABLE Accounts, tax-free savings accounts for people with disabilities. She was also a winner of a <a href="https://cnpa.com/cja/2018campus/" rel=" nofollow">2018 California Journalism Awards Campus Contest</a> for her photography.</span><span>She loves helping people find the best solutions for their unique needs and hopes that more people will find the tools to solve their financial problems. She’s inspired by stories of everyday people adapting to their financial circumstances and overcoming their fears around money.</span><span><span class="headline-semibold">Expertise</span></span><span>Sophia's expertise includes:</span><ul><li><span>Bank accounts</span></li><li><span>Savings and CD rate trends</span></li><li><span>Budgeting</span></li><li><span>Saving</span></li><li><span>How banks operate</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Sophia graduated from California State University Fullerton with a degree in journalism and a minor in political science.</span><span>Sophia is a member of the National Association of Hispanic Journalists.</span><span>She is an avid reader across a variety of genres, and she started running in 2021. She ran in the 2024 Los Angeles Marathon.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded2"> <div class="post-author_bio_content"> <span>Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.</span><span>The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded2" role="button" class="post-author_bio_more">Read more</label> <label for="expanded2" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow sponsored noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow sponsored noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>¹ Rewards Checking Plus customers who set up monthly direct deposits 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 There are no overdraft fees or annual fees. Optional out-of-network ATM withdrawals are subject to a fee of $2.50, plus any third-party fees. Debit card transactions with merchants outside the U.S. or in a foreign currency are subject to a 3% fee. Outbound domestic wire transfers are subject to a fee of $20 after your first fee-free transfer per calendar month. Please refer to the applicable Cross River Bank Checking Deposit Account Agreement and Upgrade Visa® Debit Card Agreement and Disclosures for more information. 3Early 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. 4Active Accounts with a monthly direct deposit of $1000 are eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards and more. See the Active Account page for more information. </em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>*Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</em></p> <p style="font-size:14px;"><em>**Rate are determined by balance tiers and amount deposited. Earn 4.80% APY with balances over $250,000 and 4.50% APY for balances under $250,000.</em></p> <p style="font-size:14px;"><em>***0.25% APY on balances under $5,000. Rates as of 11/13/2024. CIT Bank is a division of First-Citizens Bank & Trust Company, a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposit accounts are insured up to $250,000 per depositor, for each account ownership category. Deposits held under the names First Citizens Bank & Trust Company and CIT Bank are not separately insured but must be combined for purposes of determining whether a depositor has exceeded the federal insurance deposit limit.</em></p> <p style="font-size:14px;"><em>****The annual percentage yield (APY) is accurate as of November 7, 2024 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.</em></p> <p style="font-size:14px;"><em>*****SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% 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. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. </em></p></p> </div> </section> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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