Upgrade Premier Savings Review: Digital Banking with Cash Back and High-Yield Savings

Upgrade: Cash back on checking, high-yield savings, no monthly fees.

Upgrade Premier Savings Review: Digital Banking with Cash Back and High-Yield Savings

Upgrade revolutionizes the digital banking with its innovative rewards checking account and a competitive high-yield savings account, tailored for users who prioritize earnings and convenience over traditional banking methods.


  • Cash Back Rewards: Earn up to 2% cash back on common daily purchases with the Rewards Checking Plus account, catering to those who prefer spending with a purpose.
  • High-Yield Savings: The Premier Savings account offers an attractive 5.21% APY on $1,000 or more balances, maximizing your savings potential.
  • No Monthly Fees: The checking and savings accounts are free of monthly maintenance fees, ensuring your money works harder for you.
  • ATM Fee Rebates: Offers reimbursement for ATM fees up to five times per month, enhancing access to cash without extra costs.


  • Enhanced Earnings: From cash back on checking to high interest on savings, Upgrade maximizes the value of every dollar.
  • Digital Convenience: Manage your finances anytime, anywhere, with a robust mobile app and online platform.
  • Exclusive Loan Discounts: Account holders enjoy up to a 20% discount on Upgrade loans and credit cards, offering substantial savings on borrowing.
  • Seamless Savings Growth: With no balance cap on earning the advertised APY, your savings potential is unlimited.

Product Summary:

Upgrade's digital banking solutions perfectly match modern consumers seeking to optimize their financial health with innovative features like cash-back rewards and high-yield savings. While the lack of cash deposit functionality and physical branches might deter some, the substantial benefits like no monthly fees, competitive APYs, and ATM fee rebates present a compelling case for those comfortable with online banking. Upgrade’s commitment to adding value through rewards and savings rates positions it as a formidable choice for customers aiming to get the most out of their banking experience.

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