• High-Yield Savings

    Take advantage of one of the nation’s top rates while enjoying the freedom of no monthly fees.

    Get Started
    Earn up to 0.60% APY with a High-Yield Savings account.
  • Certificate of Deposit

    Save for your future by earning 0.10% APY when you open a 1-year CD. 

    Get Started
    1 Year CD and HYS accounts on mobile
  • Rewards Checking

    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

    .

    Learn More
  • Tailored Checking

    Business interest checking with no hidden fees. Now earn 1.00% cash back on your qualified purchases using your Tailored Checking debit card

    Learn More

Built for You

At LendingClub, we’re committed to delivering superior products and services to help our clients meet their financial goals.

  • Marketplace Businesses

    Partner Marketplace

    We’ve partnered with some of the best financial products available to help you spend, save, and protect your money (and life).

    Learn More
  • Free ATMs

    Fee-Free Checking

    It’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.
     
    Learn More
  • Earn Interest

    High-Yield Savings

    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 $2,499.99.1

    Learn More
  • dollar sign icon

    Certificate of Deposit

    Maximize your interest by earning 0.10% APY when you open a 1-year CD.2 

    Learn More
  • Rewards Checking

    Get rewarded for everyday purchases and earn cash back with Rewards or Tailored Checking on qualified purchases made with your debit card.

    Learn More
  • Direct Deposit

    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

     

  • Cash

    Rewards Checking

    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
    Learn More
  • Debit card security

    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
  • Business

    Tailored Checking

    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
  • Mobile Device

    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
  • Mobile deposit

    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
  • Pay Bills and People

    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

Apply Online

Open an account online in under 3 minutes—right now, wherever you are, on any device!

Apply Now

Awards & Recognition

  • Awarded Best Cash Back Checking Account of 2022 by Newsweek

  • Nerdwallet Best Checking Account Award for Radius Bank

    Awarded Best Online Checking Account of 2020 by Nerdwallet

  • Bankrate Best Online Bank 2020 Radius Bank

    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

LendingClub Bank, N.A.

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

High-Yield Savings

  • 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
Get High-Yield Savings
Mature woman looking at laptop

1-year CD

  • 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
Get a 1-Year CD

Rewards Checking

  • 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
Get Rewards Checking
Small Business Owner

Tailored Checking

  • 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
Get Tailored Checking

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.

Security

We use 256-bit encryption to ensure that data is protected with the highest level of security.

Financial Institution

FDIC Insurance

Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000.

Customer Support

Have a question? We’re here to help. Chat with us online, or reach us by phone or email.