Upgrade

Deposits held and insured by Cross River Bank

Overview / Commentary
844-319-3909
275 Battery Street, 23rd Floor
San Francisco, CA 94111
Deposits held and insured by Cross River Bank

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Upgrade Premier Savings 5.21% APY + $75-$500 Referral Bonus - 2/28/2024

Get a bonus up to $500 with qualifying deposits Earn an exceptional 5.21% APY on balances of $1,000 or more. Earn a bonus when you open a Premier Savings account. To earn the bonus, you must deposit at least $15,000 in the first 30 days, and leave it for an additional 60 days. Deposit $15,000+ and get $75 each Deposit $30,000+ and get $150 each Deposit $50,000+ and get $300 each Deposit $100,000+ and get $500 each My Referral Bonus: https://upgrade.com/r/iy3VWwsKBw

Upgrade $200 Signup Bonus For A Checking Account - 1/25/2024

Upgrade has $200 signup bonus for opening a checking account when you use a referral link ($50 for the referrer). How it works Share your referral link with a friend Your friend opens a checking account and direct deposits $1,000 within 45 days You get a $50 bonus delivered to your checking account, and your friend will get a $200 bonus delivered to their checking account. * Qualify for a Referral Bonus when you refer a New Customer who (1) uses your unique referral link by Jan 31, 2024 ("Offer Period") to open a new checking account, and (2) sets up direct deposit and makes $1000 in eligible direct deposits within forty-five (45) days of account opening. By sharing your unique referral link or otherwise participating, you agree to the Refer a Friend Program Terms and Conditions. Limit of 10 Referral Bonuses per customer. Here's my referral link : https://upgrade.com/r/l3A9JIKiHT No monthly fee checking account with cash back Up to 2% cash back on purchases1 Add Performance Savings

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Great Rates

Posted by: |

Very straightforward account, high APY, and love to see my return get posted at the end of each month. No complaints.

$5000 Transfer Max

Posted by: |

I just set up the Premier Savings account. Transferred some money from another account (very few are able to be linked), and found out that I could only transfer out a max of $5000 at a time, 3 times within a week. I would have not opened the account if that information was available. I talked to their customer service and they confirmed it. Said it was a new product and they are gradually changing things.

Credit Freeze Cancels Savings Application For 30 Days!

Posted by: |

Yesterday morning I applied to open a new savings account, which was fairly simple. My application was rejected because of a credit freeze on the credit report @agency they use. They said they only do a soft pull to verify my identity. Why not give me that information before starting so I could have lifted it before application? I lifted the freeze immediately but they say I cannot even reapply until it is posted, usually as long as 30 days! Ridiculous! I even had a confirmation # from credit reporting company that it had been lifted.
850 Credit Score and they don't want my $500K!
Glad I found out sooner than later. Many large ,established banks will love my investment! BYE-BYE
Don't waste your time!

Worst Experience Ever!!

I opened an checking account with upgrade, setup my direct deposit with this company only for them to say they don’t have it, this company stole my direct deposit contacted my employer to verify my account and routing number was CORRECT!!! upgrade lied to me saying they did not receive my direct deposit, they stole it a bunch of thieves, do your research on this company before joining them!!! They are horrible horrible

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Health
B

Data as of Q3 2023

Data displayed below is for insuring bank: Cross River Bank
Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #58410
Year Established2008
Employees951
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.43%
Return on Equity - YTD-3.53%
Annual Interest Income$517.4MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$8.3B$8.86B
LoansQ3 2023vs Q3 2022$6.32B$6.93B
DepositsQ3 2023vs Q3 2022$6.38B$5.1B
Equity CapitalQ3 2023vs Q3 2022$1.01B$1.08B
Loan Loss AllowanceQ3 2023vs Q3 2022$125MM$71.2MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$129.1MM$22.9MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
Rates

Rates for Upgrade are currently being reviewed.

Locations

Upgrade is an Internet only bank and does not have branch locations. Its headquarters is located at 275 Battery Street, 23rd Floor - San Francisco, CA 94111

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.