TO
Review
Torry Bachman · Dec 6, 2024
5/5
Open a checking account with my link and we can both earn up to a $200 bonus! 🎁 T&Cs apply.
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Upgrade Rewards Checking
UP
Upgrade Rewards Checking
Upgrade Rewards Checking is an online checking account with no ATM fees, no account fees, and no transfer fees. When you use your Upgrade VISA® Debit Card for purchases, you’ll earn 2% cash back on common everyday expenses (up to $500 per calendar year) and 1% on everything else. And as an added bonus, Rewards Checking customers can receive discounts on new loans and cards through Upgrade!
Banking#financial#savings#account
- You get
- $100
- Referrer gets
- $100
Newest code shared Feb 28, 2026
Independent community listing — not affiliated with or endorsed by the featured brand.
Upgrade Rewards Checking referral program
Terms as listed in our directory. Confirm them on the official site before you sign up.
How it works
Once you sign up for Rewards Checking through a referral and complete 3 debit card purchases within 60 days, both you and your friend who referred you will receive $100.
Where to find your code
In your online account, see the Refer a Friend panel.
Open the referral dashboardWebsite:upgrade.com
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Share a code, offer, question, or update about Upgrade Rewards Checking. Sign-in happens only when you publish.
Reviews
Published member reviews and clearly attributed brand responses.
No member ratings yet87 ratings from members who share a code for this program are not counted.
AN
Review
Andrew Marsh · Oct 13, 2024
5/5
Get $200 when you open a checking account and receive direct deposit $1,000 within 45 days of opening account.
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BR
Review
Brandon · Oct 3, 2024 · Edited
5/5
Open a checking account with my link and we can both earn up to a $200 bonus! 🎁 T&Cs apply. [referral link hidden]
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EL
Rating-only review
Elizabeth Amann · Sep 20, 2024
5/5
Rating shared without a written note.
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KI
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Kimberly Bradford · Sep 7, 2024
5/5
Rating shared without a written note.
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AD
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adam hiscock · Aug 7, 2024
5/5
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RY
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Ryan Ackley · Jul 29, 2024
5/5
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BR
Rating-only review
BRCardsNCollectibles · Jul 11, 2024
5/5
Rating shared without a written note.
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SA
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Sara Hoffman · Jun 30, 2024
5/5
Rating shared without a written note.
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MA
Review
Mark Allen · Jun 23, 2024
5/5
Get $200 w/ $1000+ DD super quick (takes less than a week). Great thing about this bonus is you can do a simple ACH transfer to fake the direct deposit in many cases. Transfers from Chase, Fidelity, etc. have worked in the past. Also, once you open the account, you should see a tracker for the bonus (might need to check under promotions under refer a friend). After the qualified DD hits, it takes about 3 business days for the $200 bonus to be deposited. YMMV but there is a chance that you could stack this with another promotion via Mypoints/Swagbucks/Rakuten/etc. It tends to be an extra $150 or so in addition to the $200. Cash portal offers tend to take two DDs of $200+. You start thru the cash portal link and then you immediately switch to the link above (referral link)...in the same window or a new window. Complete the application via the referral link and there is a chance your cash portal tracking might also work. Technically, stacking is not allowed as part of cash portal terms, but some folks have had success (often times requires submitting a ticket with screenshots as evidence).
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MA
Rating-only review
Maddcharity · Jun 12, 2024
5/5
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CH
Review
Chris C. · May 31, 2024
5/5
Open a checking account with my link and we can both earn the bonus. You $300 and I $100🎁 .[referral link hidden]
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N
Review
N K · May 26, 2024
5/5
Get $300.00 when you sign up using my referral link and post $1,000.00+ to your account within 45 days of account opening.
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CA
Review
Cassandra Crossno · May 16, 2024
5/5
Open a checking account with my link and we can both earn up to a $200 bonus! 🎁 T&Cs apply.
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Contribution context only; this does not verify a purchase or experience.
JU
Review
Juan · May 6, 2024
5/5
* Qualify for a Referral Bonus when you refer a New Customer who (1) uses your unique referral link by May 15, 2024 ("Offer Period") to open a new checking account, and (2) sets up direct deposit and makes $1000 in eligible direct deposits within forty-five (45) days of account opening. By sharing your unique referral link or otherwise participating, you agree to the Refer a Friend Program Terms and Conditions. Limit of 10 Referral Bonuses per customer.
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ME
Review
Melissa Whitley · Apr 8, 2024
5/5
Open a checking account with my link and get $200! [referral link hidden] Thanks!
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DE
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Deepika Parida · Apr 8, 2024
5/5
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YA
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Yana Kogan · Mar 6, 2024
5/5
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RE
Review
Referral Codes · Jul 2, 2025 · Edited
5/5
Get a get a $300 bonus after opening a Upgrade Rewards Checking Plus account and receiving direct deposits of $1,000 or more within 45 days.
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LI
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LizJones · Feb 3, 2024
5/5
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Showing 20 of 87 published reviews.