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5.21% Current APY

Historical APY


Upgrade High Yield Savings Account is a fully digital, high-interest savings account that provides an attractive APY. With no minimum balance requirement, no monthly maintenance fees, and mobile check deposit up to $50,000 per month, it offers convenience for users who prefer digital banking. However, customers will need to rely on virtual channels for customer support and cannot withdraw cash from an ATM or use a debit card. It is important to note that interest rates may change at any time.


  • High-yield interest rate which is competitive in the market
  • No minimum balance requirement
  • No monthly maintenance fees
  • Mobile check deposit up to $50,000 per month
  • Easily link to other Upgrade accounts and external accounts for seamless money management


  • No branches or physical locations
  • Limited customer service channels, mainly through email and online chat
  • Does not offer ATM card or cash withdrawals
  • Higher balance tiers may require additional verification process
  • Interest rates are subject to change at any time