Get a free checking account that rewards you for keeping a high balance.2
- – Earn 0.15% APY on balances of $100,000 & up
- – Earn 0.10% APY on balances of $2,500–$99,999.99
How We Measure Up
Compare LendingClub to other banks side by side.Learn More
1% Cash Back1
Get rewarded for everyday purchases and earn 1.00% cash back with Rewards Checking every time you use your debit card.Learn More
Get Paid Up to 2 Days Early
Set up direct deposit into your LendingClub 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.3
Unlimited ATM Fee Rebates
It’s your money—you shouldn’t have to pay to use it. Charged a fee by another bank? Don’t worry! Rewards Checking receives unlimited rebates for any ATM fees you’re charged.4Learn More
Awards & Recognition
2022 Best Cash Back Checking Account Newsweek Award
2021 Best Bank or Credit Union for Online Experience NerdWallet Award
2021 Best Overall Checking Account CNET Award
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
Why choose LendingClub?
I get excited when I receive my monthly benefits email. I love seeing how much I have earned and saved this year by banking with LendingClub.
“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.”
“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.”
Best banking experience I ever had hands down
Feel free to contact us with any questions. We’ll make sure to get you an answer or put you in touch with whoever you’re looking for.
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 per depositor for each ownership category.
Have a question? We’re here to help. Chat with us online, or reach us by phone or email.