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Monthly fee, APY, bonus, and minimum deposit are copied from the provider's page, with the date we checked.

Best for No-fee checking with a savings rate

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Fintech

Monthly fee
$0No monthly maintenance fee and no overdraft fee. Out-of-network ATMs are $2.50 plus any third-party fee. An inactivity fee can apply.as of Oct 30, 2026 source
APY
1.50%Performance Savings, not the checking account. 3.30% APY with an active account and at least $1,000 in monthly direct deposit, as of Sep 18, 2026. Otherwise 1.50%, which Upgrade dates to Jun 1, 2023. Rates are variable.as of Oct 30, 2026 source
Sign-up bonus
Noneas of Oct 30, 2026 source
Min. deposit
$0as of Oct 30, 2026 source
  • No monthly fee
  • Up to 3.30% on Performance Savings
  • Cash back with direct deposit
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What we have verified

Bank or fintech
Fintech. A partner bank provides the banking services unless the provider's own site says otherwise.
Deposit insurance
Up to $250,000 in FDIC or NCUA insurance through Cross River Bank or participating institutions, per Upgrade.

FDIC insurance, when it applies, protects deposits if an insured bank fails. With a fintech, coverage comes through the partner bank. See the FDIC guide to deposit insurance and our explainer.