High-Yield SavingsGet Started
Take advantage of one of the nation’s top rates while enjoying the freedom of no monthly fees.
Certificate of DepositGet Started
Save for your future by earning 0.10% APY when you open a 1-year CD.
Rewards CheckingLearn More
You could earn 1.00% cash back on qualified purchases & get unlimited ATM fee rebates while earning 0.10% APY on balances of $2,500.00–$99,999.99
Tailored CheckingLearn More
Business interest checking with no hidden fees. Now earn 1.00% cash back on your qualified purchases using your Tailored Checking debit card
Built for You
At LendingClub, we’re committed to delivering superior products and services to help our clients meet their financial goals.
We’ve partnered with some of the best financial products available to help you spend, save, and protect your money (and life).Learn More
Fee-Free CheckingIt’s your money—you shouldn’t have to pay to use it. All LendingClub accounts have no monthly maintenance fees or low balance requirements and pay no fees to use a SUM or MoneyPass ATM.Additionally, our Rewards Checking and Tailored Checking customers receive unlimited monthly reimbursements for out-of-network ATM fees.
Earn 0.60% APY on balances of $2,500.00 & up and meet your savings goals faster. Don’t quite have $2,500.00? High-Yield Savings accounts still earn 0.05% APY on balances of $0.01 to $2,499.99.1Learn More
Certificate of Deposit
Maximize your interest by earning 0.10% APY when you open a 1-year CD.2Learn More
Get rewarded for everyday purchases and earn cash back with Rewards or Tailored Checking on qualified purchases made with your debit card.Learn More
Get Paid Up to 2 Days Early
Set up direct deposit into your LendingClub deposit account and you’re eligible to receive your money up to two days early. Your paycheck will be available as soon as your employer submits their payroll files to the Federal Reserve. For many, this means receiving your funds as early as Wednesday on pay week.11
Get a free interest checking account that rewards you for keeping a high balance.
- – Earn 0.10% APY on balances of $2,500.00-$99,999.995
- – Earn 0.15% APY on balances of $100,000.00 & up5
Manage Card Controls
Misplacing your debit card happens. Luckily, we have you covered with the Cards section in your LendingClub Mobile app. You can turn your debit card on/off should your card ever become lost or stolen.Learn More
You could earn 1.00% cash back on qualified purchases using your Tailored Checking debit card. Get unlimited transactions with no upcharge, free ATMs worldwide, and earn 0.10% APY on balances of $5,000.00 & up. No documents needed. Apply online in minutes and get back to running your business.Learn More
Integrated Finance Tools
Create a budget, track your spending, analyze trends, develop an action plan to pay off debts, and calculate your net worth—all included with personal Online & Mobile Banking.Learn More
Pay on the go with mobile wallets
Add your debit card to Apple Pay®, Google Pay™, and Samsung Pay. When you’re ready to pay, open the app, tap your phone to compatible registers and complete your purchase!Learn More
Deposit checks with the LendingClub mobile app
Securely deposit checks into your checking or savings account with just a few taps. Endorse your check with “Mobile Deposit Only” on the back, take a picture, and you’re all set!Learn More
Make payments to businesses and individuals
Whether you’re paying a utility bill or chipping in for a gift, schedule and make payments in Online & Mobile Banking.Learn More
Awards & Recognition
Awarded Best Cash Back Checking Account of 2022 by Newsweek
Awarded Best Online Checking Account of 2020 by Nerdwallet
Awarded Best Online Bank of 2020 by Bankrate
Best Cash Back Checking Account 2022
Rewards Checking was voted Best Cash Back Checking Account on Newsweek’s America’s Best Banks list for 2022. Heavy debit card users can get rewarded for their swiping with a checking account that returns a percentage of their purchases, similar to the way a cashback credit card operates. The winner pays interest on top of that, offers unlimited ATM reimbursements and doesn’t charge a monthly maintenance fee or require a minimum balance.
America’s Best Banks of 2022
Radius is now LendingClub
On February 1st, 2021, LendingClub Bank N.A. acquired Radius Bank. The acquisition combines the strengths of two digital innovators with complementary businesses and a digital-first, branchless approach to banking. Visit our FAQ page for more information.Learn More
- Earn 0.60% APY on balances of $2,500.00 or more1
- No monthly service fees
- No minimum balance requirement after $100 to open
- Free ATM card available
- Lock in a fixed rate of 0.10% APY when you open a 1-year CD2
- Minimum opening deposit is $2,500
- Guaranteed returns for the duration of the CD term
- No risk to principal balance
- FDIC-insured up to the highest possible amount allowed3
- You could earn unlimited 1% cash back on qualified purchases using your Rewards Checking debit card4
- Earn 0.10% APY on balances of $2,500.00–$99,999.995
- Unlimited automatic ATM fee rebates6
- No monthly maintenance fee
- No minimum balance requirement after $100 to open
- You could earn unlimited 1% cash back on qualified purchases using your Tailored Checking debit card7
- Earn 0.10% APY on balances of $5,000.00 or more8
- Unlimited automatic ATM fee rebates9
- No monthly maintenance fee when your balance is more than $5,00010
Leave us a review!
Have something to say? We want to hear it! Visit our review page to share your opinion on LendingClub, our Customer Service, or any of our products or services.
Digital banking, made human.
At LendingClub, we put our customers at the center of everything we do. That’s why we focus on providing products and services that are not only convenient but help to make life easier.
We use 256-bit encryption to ensure that data is protected with the highest level of security.
Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000.
Have a question? We’re here to help. Chat with us online, or reach us by phone or email.