Personal Banking

Essential Checking

Take control of your finances. Perfect banking record not required.

Better than a Prepaid Card

FDIC-insured checking account1 designed to help you manage your money with powerful technology and limited fees.
This account is available on select basis if you do not meet the qualifications for a Rewards Checking account.

Essential Account Features

Rebuild Your Record

  • A second-chance checking account that can give you a fresh financial start

  • $9.00 monthly service charge2
  • Daily debit card limit of $5003
  • Mobile check deposit limit of $1,000 per day; limit of $2,000 per 10 days4
  • After 12 months of positive banking history, you may be eligible to upgrade to a Rewards Checking account5

Why choose LendingClub?

  • Andres G.
  • Joseph S.
  • Monique R.
  • John M.
  • “I like having all fees resulting from ATM use reimbursed to me, no matter how often or how little I use ATMs. I also like it that there is no cap on how much these reimbursements can amount to.”

    Andres G.

  • “This representative was extremely kind, courteous, helpful, and knowledgeable. She was successfully able to resolve my issue quickly, and was very kind and attentive during the process. This representative sets a great example of what excellent customer service is.”

    Joseph S.

  • Best banking experience I ever had hands down

    Laura H.

  • The unbelievably kind and helpful customer service team is one of the main reasons I bank with LendingClub.

    Michael F.

Mobile Banking

Online & Mobile Banking

Manage your accounts from anywhere – 24 hours a day, 7 days a week.

Learn More

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.

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.