Personal Banking

Rewards Checking

Earn unlimited 1% cash back

Receive unlimited ATM fee rebates2

No monthly maintenance or overdraft fees

No minimum balance or transaction requirements

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NerdWallet Best Bank 2021

Unlimited Cash Back

Meet qualification requirements to start earning 1% cash back on Qualified Purchases made with your Rewards Checking debit card.1

Free ATMs

Free Access to ATMs

We won’t charge a fee, and we rebate ATM fees charged by other banks, worldwide. Get unlimited ATM fee rebates and save over $180 this year!2

Get Your Paycheck Early

Set up direct deposit into your account and you’re eligible to receive your money up to 2 days earlier.3

Freedom from Fees

Save more in your pocket month-to-month by saying goodbye to overdraft, monthly maintenanceand incoming wiretransfer fees! 

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Earn Interest

Earn more than the national average. Earn 0.10% APY on balances of $2,500–$99,999.99. Earn 0.15% APY on balances of $100,000 & up.4

Financial Institution

FDIC Insurance

Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000 per depositor for each ownership category.

Apply Online

Open an account online in under 3 minutes with as little as $25!

Our Customers Earned $52 on Average Per Month in Benefits

Get money deposited back into your account each month:

  • Earn cash back on Qualified Purchases made with your Rewards Checking debit card.1
  • Free ATM Transactions: We rebate ATM fees charged by other banks.2
  • Interest-Earning Checking Accounts.4

Bank from Anywhere with LendingClub Mobile

A full-service bank at your fingertips5

Available for iOS and AndroidTM

  • Deposit checks
  • View real-time transactions
  • Pay bills and transfer funds
  • Manage your budget and track spending
  • Improve your financial health with our marketplace partners

Apply Online

Open an account online in under 3 minutes with as little as $25!

Why choose LendingClub?

  • Smiling Customer Angela
  • Monique R.
  • John M.
  • 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.

    Kathleen M.

  • 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.

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 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.

Accounts subject to approval. $25 minimum opening deposit required.  Please see Product Terms & Conditions for additional details.FDIC insured up tothemaximum amount allowed. 
[1]  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:  Rewards Checking accounts that meet the following requirements for the calendar month in review: 
Maintain an average monthly balance of at least $2,500.00; or  
2. Receives at least $2,500.00 in Qualifying Direct Deposits. 
Qualifying Direct Depositsare defined as: Recurring Automated Clearing House (ACH) credits, including payroll, pension or government payments (such as Social Security) made by your employer, or an outside agency. We may require documentation to verify that credits are Qualifying Direct Deposits. Qualifying Direct Deposits do not include peer to peer payments or ACH transfers (funds transfers) from your external accounts.  
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. 
[2] LendingClub does not charge a fee for using another bank’s ATM. Plus, get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Rewards Checking account. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. LendingClub 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 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. 
[3] 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. 
[4] Annual Percentage Yield (APY) accurate as of 08/01/2022. 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 ormore. Ratesare variable and are subject to change, at the discretion of the bank and without notice, at any time after an account is opened. Fees may reduce earnings. 
[5]  Standard data and message rates may apply to Mobile Banking services. This includes the use of LendingClub Mobile, LendingClub Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.