Upgrade - Rewards Checking Plus is provided by Upgrade Inc., a financial services provider established in 2016 and headquartered in San Francisco, CA. This product is made available through a banking partnership with Cross River Bank, which is a member of the FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank under license from Visa U.S.A. Inc. Upgrade - Rewards Checking Plus is accessible nationwide in all 50 states and Washington, DC.