Cross River Bank, a New Jersey state-chartered commercial bank, member FDIC, Equal Housing Lender, originates personal loans, auto refinance loans, home improvement loans, and personal credit lines, and issues Upgrade Visa® Cards that allow access to personal credit lines, pursuant to a license from Visa USA Inc. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade. Checking and savings accounts made available by Upgrade are provided by Cross River Bank, member FDIC.