Boost Money: Fast Cash Advance

Boost Money™ is an all-in-one app designed to help you build credit with responsible use of the card, grow savings, and get access to cash to help bridge the gap between paydays.

Boost Money™ is provided through Upgrade, Inc. Upgrade is a financial technology company, not a bank.

-Get interest-free BoostCash™ advances up to $500* - Bridge the gap between paydays. We'll automatically align your repayment due date with your next expected paycheck*
-Help build credit when you use your secured card responsibly.* Spend up to your available balance and we'll report on-time payments to the three major credit bureaus to help you build credit over time*
-Earn an industry-leading APY - No minimum balance to earn 10.00% APY on savings balances up to $1,000 with a Premium subscription, and 3.30% APY on balances over $1,000**
- Get identity, retail, and travel protections with a Premium subscription

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* Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. Boost Money™ Spend customers must receive eligible direct deposits to your Boost Money™ Spend account to qualify for $250-$500. If you don’t, your max BoostCash advance is up to $250; not everyone will reach the maximum advance amount. Average BoostCash advance from 2/2026 - 7/2026 is $94. 10.00% APY and express delivery requires a $9.99/month Premium subscription. Delivery may take 3-5 business days without Premium or via ACH; or within minutes with express delivery for Premium subscribers ($9.99/mo). Funds availability depends on the receiving bank. Learn more about eligibility and terms at http://www.upgrade.com/boost-money/eligibility.

A Boost Money™ Card is automatically sent when you fund, receive money into, or switch direct deposit to your Spend account. You can also request a card anytime. Be sure to have funds in your Boost Money™ Spend account. Then spend up to the available balance on your Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Credit score improvement is not guaranteed. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit.

**For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.30% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 9/18/2026, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure.

All loans, Personal Credit Lines, and checking and savings accounts, and Boost Money™ products are provid