• High-Yield Savings

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

    Learn More
  • Certificate of Deposit

    Save for your future with CD terms offering competitive rates including 4.00% APY for a 1-year term2

    Learn More
  • 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 3.25% APY on your entire balance and meet your savings goals faster.1

    Learn More
  • dollar sign icon

    Certificate of Deposit

    Maximize your interest with CD terms offeringcompetitive rates including 4.00% APY for a 1-year term2

    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 1.50% APY on balances up to $100,000.00. 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 3.25% APY on your entire balance1
  • 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

Certificate of Deposit

  • Lock in a fixed ratewith CD terms offering competitive rates including 4.00% APY for a 1-year term2
  • 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 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 $25 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 1.50% APY up to $100,000.00 and 0.10% APY on the portion of the balance that is 100,000.00 and greater8
  • Unlimited automatic ATM fee rebates9
  • No monthly maintenance fee when your balance is more than $50010
Get Tailored Checking

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 per depositor for each ownership category.

Customer Support

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

1. High-Yield Savings has no monthly maintenance fee, no minimum balance requirement after $100.00 to open the account, and is FDIC-insured up to the maximum allowed.Annual Percentage Yield (APY) accurate as of 12/04/2022. Rate tiers are as follows: 3.25% APY applies to balances of $0.00-$9.99; 3.25% APY applies to the entire balance on balances of $10.00-$2,499.99; 3.25% APY applies to the entire balance on balances of $2,500.00-$24,999.99 and 3.25% APY applies to the entire balance on balances of $25,000.00 or more. Rates are variable and may change at any time after the account is opened without notice. Rates are determined in the sole discretion of the Bank. Fees may reduce earnings.
2. Annual Percentage Yield (APY) accurate as of 12/04/2022. $2,500.00 minimum opening deposit required. Maximum deposit amount of $250,000.00. Fees could reduce earnings on account.  A penalty may be imposed for early withdrawal.  At the end of the initial term, CDs will automatically renew at the then offered rate.  
3. FDIC-insured up to $250,000 per depositor for each ownership category. 
4. The Debit Card Rewards Program (Cash Back Rewards) will provide 1.00% cash-back on all Qualified Purchases made by eligible Rewards Checking account holders if the account holder does any of the following; meet the requirements, is grandfathered in, or keeps an average balance of $2,500 or greater within the calendar month in their Rewards Checking Account, or receives total deposits of $2,500 or more in their Rewards Checking account via qualifying Direct Deposit within the month. Qualifying Direct Deposits are Automated Clearing House (ACH) credits, which may include payroll, pension or government payments (such as Social Security) by your employer, or an outside agency. LendingClub Bank N. A. may require documentation to verify that credits are Qualifying Direct Deposits. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax adviser, as LendingClub Bank N. A. does not provide tax advice. Qualified Purchases include signature-based purchases made with a LendingClub Bank issued Debit Card tied to a Rewards Checking account enrolled in the Debit Card Rewards program. These are “credit” purchases that can be made in stores and online. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and how the transaction is transmitted to LendingClub Bank N. A. at the time of processing. We reserve the right to determine if a transaction was a Qualified Purchase, and to establish additional types of Qualified Purchases that could be made available in a variety of ways. Any goods or services purchased with the LendingClub Bank issued Debit Card that are returned or otherwise credited to your Account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Cheques, gift cards, Cryptocurrency, Casino Chips, Peer to Peer Payments, prepaid debit cards, account openings, loan payments, or other cash equivalents) made with your LendingClub Bank issued Debit Card are not Qualified Purchases. We may require you to provide documentation to validate that certain purchases are Qualified Purchases. LendingClub Bank N. A. reserves the right to modify or discontinue this program at any time. Your enrolled account must remain open, active, and in good standing to participate in the program, meaning: No NSF (non-sufficient funds) items during the preceding twelve calendar months in your checking account (regardless of the type of checking account). An eFunds check must show no negative history in the preceding twelve months and all monthly servicing fees must have been paid in full for the 12 preceding months. LendingClub Bank N. A. reserves the right to modify the description of “good standing” at any time. If you or the Bank closes your account for any reason before the end of the statement cycle, you will forfeit all rewards accrued through your linked Debit Card during that statement cycle. 
5. Annual Percentage Yield (APY) accurate as of 12/04/2022. Minimum amount to open account is $25.00. Rate tiers are as follows: 0.00% APY applies to balances of $0.00–$2,499.99, 0.10% APY applies to the entire balance on balances of $2,500.00–$99,999.99, and 0.15% APY applies to the entire balance of $100,000.00 or more. Rates may change after account is opened. Fees may reduce earnings.
6. Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Rewards Checking or Champion Checking account using the LendingClub Bank issued Debit Card wherever it is accepted. LendingClub Bank N. A. does not charge a fee for using another bank’s ATM. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. LendingClub Bank N. A. makes its best effort to identify those ATM fees eligible for rebate. In the event that you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. LendingClub Bank N. A. reserves the right to modify or discontinue the ATM surcharge rebate program at any time. Out-of-network ATM fees cost $2.50 on average — source: CNBC as of 01/26/2022. If someone were to use an out-of-network ATM 6 times per month at an average fee of $2.50 per withdrawal, they would spend $180 in ATM fees in 12 months.
7. The Debit Card Rewards Program (“Cash Back Rewards”) provides 1.00% cash-back on all Qualified Purchases using a debit card tied to an Eligible Account. Eligible Accounts are: Tailored Checking accounts that maintain an average monthly balance of $500.00 for the calendar month in review. Qualified Purchases are defined as: Signature-based purchases made using the debit card tied to an Eligible Account. These are “credit” purchases that can be made in stores and online. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and is based on how the transaction is transmitted at the time of processing. Qualified Purchases do not include: (1) any goods or services purchased that are returned or otherwise credited to your Eligible Account; (2) unlawful purchases; or (3) purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Checks, gift cards, cryptocurrency, casino chips, peer to peer payments, prepaid debit cards, account openings, loan payments, or other cash equivalents). We may report the value of Cash Back Rewards to the IRS as required by law. Any client whose tax status would require us to impose tax withholding of any sort will not be eligible for Cash Back Rewards. Accounts are reviewed after the end of each month. Any earned Cash Back Rewards will be credited to your account on or before the 10th calendar day of the next calendar month. The Eligible Account must be open and active at the time the Cash Back Reward is credited.
8.Annual Percentage Yield (APY) is accurate as of 12/04/2022. Interest is earned at the rate applicable to the portion of the balance that falls within each rate tier. Rate tiers are as follows: 1.50% APY applies to balances between $0.00–$499.99, 1.50% APY applies to the balances between $500.00 – $99,999.99, and 0.10% APY applies to balances of $100,000.00 and greater. For accounts with balances greater than $100,000.00, your blended APY can range from 1.50% to 0.10% depending on your total account balance and the portion that falls within each tier. Rates are variable and subject to change at any time, at the sole discretion of the Bank. Fees may reduce earnings.   
9. Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Tailored Checking account using the LendingClub Bank issued Debit Card wherever it is accepted. LendingClub Bank N. A. does not charge a fee for using another bank’s ATM. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. LendingClub Bank N. A. makes its best effort to identify those ATM fees eligible for rebate. In the event that you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. LendingClub Bank N. A. reserves the right to modify or discontinue the ATM surcharge rebate program at any time. Out-of-network ATM fees cost $2.50 on average — source: CNBC as of 01/26/2022. If someone were to use an out-of-network ATM 6 times per month at an average fee of $2.50 per withdrawal, they would spend $180 in ATM fees in 12 months.
10. Monthly Maintenance Fee waived in months where the average monthly balance is at least $500.00.  An account will not be overdrawn by the Monthly Maintenance Fee. An account with a balance of less than $10.00 will be assessed the amount available, reducing the balance to zero.
11. Any account features that enable you to receive direct deposits, or that enable direct deposit funds to be made available to you early, are contingent upon and subject to the payor’s support of such features.