Upgrade's mobile banking app offers a range of convenient features for users to manage their finances effectively. Users can easily check their balance, available credit, pay bills, and track their rewards all in one place. The app provides a seamless experience for customers to stay on top of their financial activities, including managing funds, tracking rewards for cashback on purchases, and monitoring credit scores. Additionally, users can also manage their Upgrade Card or Loan through the app, making it a comprehensive tool for financial management.

Customers who opt for Rewards Checking Plus can enjoy benefits such as earning up to 2% cash back on common everyday expenses with monthly direct deposits of $1,000 or more. The rewards program includes cash back on various purchases at convenience stores, restaurants, gas stations, and more. Users can track their rewards and benefit from cashback incentives on eligible debit card transactions. The app also offers early direct deposit for users who set up recurring electronic direct deposits, providing quicker access to funds before the scheduled deposit date.

For users interested in personal loans, Upgrade offers competitive Annual Percentage Rates (APRs) ranging from 8.49% to 35.99%. The loans feature repayment terms of 24 to 84 months, with options for Autopay to secure the lowest rates. Customers can receive funds directly into their accounts, with transparent information on origination fees and monthly payment amounts. Upgrade's lending services are designed to cater to individual needs, with factors such as credit score, loan term, and credit history influencing the final APR offered to customers.