https://www.upgrade.com/r/yPWNX7Vsay uses your unique link for $100 bonus by Jan 31, 2023 (“Offer Period”) to 1. open a new Rewards Checking account, and 2. completes three (3) eligible purchases within sixty (60) days. no minimum balance, no fees. Don't do direct deposit and don't open high yield saving during the Rewards Checking opening processing. Optional: you can open the premier savings with 3.5% has minimum of $1000 later on after you opened the Rewards Checking. $100 bonus when only use the link from above. I just deposit $5, when my balance post and available and after I received my debit card and activated it then I use 3x at gas pump for 6cent each.

Upgrade (Fintech) Unveils Premier Savings Earning A Top Rate - 10/29/2022

Upgrade (a Fintech) has added a Premier Savings account, which currently is a rate-leader. A minimum $1k daily balance is required to earn the stated APY.

Reviews (11)

Great Experience With No Fees

Posted by: Sectaguy | Aug 4, 2023

I really like the fact that they have no fees I have to worry about. I like how easy it is to look at the cash back rewards that are instantaneously awarded.

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Not A Bank...

Posted by: B1B | Oct 28, 2022

From the website:
Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by Cross River Bank.

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$5000 Transfer Max

Posted by: brice | Oct 28, 2022

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.

Account Suspended

Posted by: tompetty2017 | Sep 22, 2023

I use several products from this "bank" including a personal loan, vehicle refinance loan, Upgrade card (crazy rate, don't use!) and their "Rewards Checking". My checking account WAS used simply to transfer money from my primary bank account to this account for use in various securities trading accounts and an eBay account. I haven't used this account since March 2023. In April 2023, the account was "Suspended". No notice, no reason, no nothing. I called and was told that the department that flags accounts is "automated" and cannot be contacted directly. They would internally contact the department and an email would be sent to me concerning the reason for the suspension and next steps. Never got that email. Called again. Same response. Called again. Same response. So basically, they are holding my money hostage with no way of getting back. They are horrible and unprofessional. Stay away!

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Health

Data as of Q1 2023

Data displayed below is for insuring bank: Cross River Bank

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	58410
Year Established	2008
Employees	906
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.93%
Return on Equity - YTD	7.74%
Annual Interest Income	$179.6MM

Assets and Liabilities
Assets	Q1 2023vs Q1 2022	$8.46B$8.88B
Loans	Q1 2023vs Q1 2022	$6.42B$7.15B
Deposits	Q1 2023vs Q1 2022	$5.81B$4.51B
Equity Capital	Q1 2023vs Q1 2022	$1.07B$784.2MM
Loan Loss Allowance	Q1 2023vs Q1 2022	$78.9MM$48.7MM
Unbacked Noncurrent Loans	Q1 2023vs Q1 2022	$25.1MM$28.3MM
Real Estate Owned	Q1 2023vs Q1 2022	$0$0

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