Upgrade 1.14.2

Check your balance, available credit, pay bills and track your rewards.
Features include:
• No Monthly-fee Mobile Banking – Check your balance, pay bills, manage funds.
• Track Your Debit Rewards – Track your rewards, up to 2% cash back on purchases (1).
• Manage your Upgrade Card or Loan (3). – Manage your payments and check your outstanding balance.
• Manage your credit score - Check your credit score, get notified of any change in your credit report, track potential ID theft, use our credit score simulator to see how different actions may impact your score using real data from your credit report.

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Share your feedback at mobile_app_feedback@upgrade.com

1: Non-Active Rewards Checking Plus Accounts accrue 1% 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 service and 0.50% cash back on all other eligible debit card charges. Active Rewards Checking Plus Accounts accrue 2% cash back on common everyday expenses (maximum of $500 in 2% rewards per calendar year), and unlimited 1% cash back on all other eligible debit card purchases, including on common everyday expenses after the $500 maximum. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.

2: Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.

3: Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 8.49%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.
Personal Loans and Auto Refinance Loans are made by Upgrade's bank partners (www.upgrade.com/bank-partners). Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender.
Personal Credit Lines are made by Cross River Bank, Member FDIC. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc.

Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.zendesk.com/hc/en-us/articles/4404416360731-Overview-State-Licenses-and-Consumer-Information) and does business under the following DBAs (www.upgrade.com/dba/).
Checking and savings accounts are provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Upgrade is a financial technology company, not a bank (upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).