Upgrade Routing Number: Fintech Lending and Banking Guide

What is the Upgrade routing number?

Upgrade uses routing number 084106768, which belongs to Cross River Bank, one of Upgrade's banking partners. Upgrade is a fintech company that offers personal loans, credit cards, and a rewards checking account through its mobile app and website.

Upgrade is not a bank itself but provides financial products through partnerships with FDIC-insured banks including Cross River Bank. Deposits in Upgrade checking accounts are FDIC insured up to the standard $250,000 limit per depositor.

How to find your Upgrade routing number

Log into the Upgrade app or website and navigate to your Rewards Checking account. Your routing number and account number are displayed in the account details section, formatted for easy sharing with employers and billers.

Upgrade provides a single routing number for all checking accounts. Unlike traditional banks with state-specific routing numbers, Upgrade's digital-first approach means one routing number works for all customers nationwide.

Upgrade direct deposit and rewards

Upgrade supports direct deposit with early access — you can receive your paycheck up to two days early when your employer submits payroll ahead of schedule. Direct deposit also helps you earn higher rewards on your Upgrade Card.

To set up direct deposit, provide your employer with your Upgrade routing number and account number. Upgrade also supports ACH deposits from government agencies, freelance platforms, and other payment sources.

Upgrade transfers and credit products

Upgrade supports ACH transfers between your checking account and external bank accounts. The platform also integrates with its personal loan and credit card products, allowing seamless payments and fund management within the Upgrade ecosystem.

Upgrade does not currently offer wire transfer services. For wire transfers, you will need to use a traditional bank account. Upgrade focuses on personal lending, credit building, and everyday banking needs.

Business banking with Slash

Upgrade excels at personal finance and credit products. For businesses, Slash provides a dedicated banking platform with full ACH and wire transfer support, unlimited virtual cards, automated expense management, and real-time financial reporting.

Slash is built for businesses that need professional banking tools. With up to 2% cashback, multi-user access, multi-entity management, granular spend controls, and native accounting integrations, Slash helps businesses manage money smarter.