{"account":{"slug":"upgrade-rewards-checking","bank":"Upgrade","name":"Rewards Checking Preferred"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.upgrade.com/rewards-checking-preferred/","history":[{"date":"2026-06-11","apy":"None on checking; linked Performance Savings pays a top-tier rate with the same direct-deposit status","monthlyFee":"$0","minimumOpen":"None","atm":"No Upgrade ATM fees; out-of-network operator fees rebated (5/month) with Active direct-deposit status","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"None on checking; linked Performance Savings pays 3.30% with Active direct-deposit status, 1.5% otherwise","monthlyFee":"$0","minimumOpen":"None","atm":"No fee at 55,000+ Allpoint ATMs; $2.50 Upgrade fee plus operator fees out of network, with no rebates advertised","note":"Product renamed Rewards Checking Preferred; cash back now requires $1,000+ monthly direct deposit (none otherwise), 2% categories exclude groceries, $500/yr cap; Performance Savings 3.30% active (9/18/2026) or 1.5%; Allpoint free with $2.50 out-of-network fee and no rebates advertised","sourceUrl":"https://www.upgrade.com/rewards-checking-plus/","sourceLabel":"Upgrade Rewards Checking Preferred page"}],"verificationEvents":[{"id":"452c6ff0-04e1-4ead-9e16-11ebbf16c171","entityType":"bank-account","slug":"upgrade-rewards-checking","checkedAt":"2026-10-23T18:55:28.565Z","recordedAt":"2026-10-23T18:55:28.566Z","sourceUrl":"https://www.upgrade.com/rewards-checking-preferred/","sourceLabel":"Upgrade current account and fee disclosures","outcome":"changed","summary":"Scoped correction: removed unsupported highest-rewards and zero-fee claims, clarified FDIC or NCUA coverage through participating institutions, and updated the current product URL. Reconfirmed qualifying deposits, grocery exclusion, reward cap and transaction/inactivity fee exceptions for the free-checking guide. Full-record verification date and prior history retained.","changedFields":["pros","fdic","url"],"previousHash":"f8bcca40e4269154378204dfd182db17bc772494fd30abe15dbe8ea496fd923e","recordHash":"e502477198d6b08eb1965adeb7dfa733fe94d598e03c0e4f949870cb3976e139"},{"id":"5279aea2-5e57-42a2-9cdd-371d5c629811","entityType":"bank-account","slug":"upgrade-rewards-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:19.616Z","sourceUrl":"https://www.upgrade.com/rewards-checking-plus/","sourceLabel":"Upgrade Rewards Checking Preferred page","outcome":"changed","summary":"Renamed Rewards Checking Preferred; no cash back without $1,000+ monthly DD, groceries excluded from 2%, $2.50 out-of-network ATM fee with no rebates advertised; savings 3.30%/1.5%","changedFields":["accountName","tagline","apy","plans","features","atm","pros","cons","ourTake"],"facts":{"savingsActive":"3.30%","savingsStandard":"1.5%","cashBackCap":"$500/yr","oonAtmFee":2.5},"previousHash":"9b86ccdda747ff485a1d813788c96f7954d049b6fe85a6f04645fde0f8fc08c1","recordHash":"23e8fd86f04fb33efdb57fa4bbfb391de5b545ebe777c2a2720dbff769b80af3"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}