Upgrade review (2026): A leading fintech that offers high yields and few fees

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Summary: Upgrade is a financial technology company offering various financial products, including personal loans, checking and savings accounts, and debit cards. It partners with Cross River Bank to offer FDIC- or NCUA-insured checking and savings accounts. Both account types are eligible to earn interest, with yields near the high end of what is available.

See our picks for the best neobanks and fintechs of 2026

Upgrade offers several banking products that emphasize high yields, low rates, and an entirely online banking experience. While you can't visit a branch or deposit cash, those who prioritize convenience and getting the most out of their money may appreciate what Upgrade has to offer.

Upgrade's Rewards Checking Plus account is packed with benefits and perks. These include up to 2% cash back on purchases from convenience stores, drugstores, gas stations, restaurants, monthly subscriptions, and utilities. There are no monthly or overdraft fees, and you can get paid up to two days early with direct deposit.

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Fuente original: Yahoo Finance (https://finance.yahoo.com/personal-finance/banking/review/upgrade-review-182017042.html)