Enroll in Online Banking and set up multi-factor authentication
Download the LendingClub Mobile app for banking on the go
Set up Alerts
Link external accounts
Set up recurring transfers
Set up direct deposit
Add another account, whether it be savings, checking or business
New Account Checklist
Additional Application FAQ
- How do I add a beneficiary to my checking?
- What do I need to start a checking account application?
- Do you do a credit check?
- How do I get a debit/ATM card?
- How do I get started on Online Banking?
- How do I order checks?
- When will my funds be available to use after I open my checking account?
- What is the minimum amount required to open a checking account?
- How do I fund my checking account?
- How can I open a checking account?
- Can I add a joint owner to my checking account?
LendingClub Resources
Related Resource Center
There are many reasons to consider a joint personal loan, including sharing the payment obligations, securing better financing terms, and improving your odds of approval. So, if your credit history is holding you back from getting favorable interest rates and terms on your own, having a co-borrower could help you qualify for a personal loan.
![How to Apply for a Joint Personal Loan](http://images.ctfassets.net/orqped9h4wgz/72n9waWnGzlPmOZAk8aVrS/cd439e6fe68c4e1f140194ead8688607/How_to_Apply_for_a_Joint_Personal_Loan.png)
If you're planning on consolidating debt or making a big purchase like buying a home or new car, chances are you'll need financing to help reach your goals. Understanding the true cost of a loan is key to getting the best deal possible—and most often that starts with shopping APRs and interest rates across different lenders.
![Woman in yellow shirt in coffee shop writing in notebook in front of laptop](http://images.ctfassets.net/orqped9h4wgz/3ncJlGUVWlrdAxCs4ASzDA/885ed0fb9dd22a666f4f054a3a1f0001/Blog_APRandInterestRate_Header.jpg)
Related Impact
From groceries and diapers to Halloween costumes for pets, nearly 60% of American consumers prefer to shop online for everyday items that make life more convenient, comfortable, and enjoyable. And with rising prices showing no signs of stopping anytime soon, we’re pleased to introduce StackitTM from LendingClub Bank—a new browser extension that automatically finds and rewards eligible members with coupons and cash back for extra savings at more than 15,000 favorite online retailers.
![blog header stackit 765x430 v1-1](http://images.ctfassets.net/orqped9h4wgz/4kV0P8ZQKbNbClld8SvbZn/f08bc67ba536d72cb5954589ae906eb2/blog_header_stackit_765x430_v1-1.jpg)
LendingClub completed the acquisition of Radius Bank in February 2021. At that time, in addition to the direct-to-consumer deposit business, we inherited a fintech partner program, and several lending businesses. As we reach the one-year anniversary of the acquisition, and in conjunction with the conclusion of a strategic review of our business operations, we have made the decision to discontinue certain businesses that don’t fit our mission.
![Man in blue button up shirt and glasses smiling](http://images.ctfassets.net/orqped9h4wgz/5fTH6ZRJzFrsIvsqMfB9EP/7f69faf6e7f87a55c890e1fc042ad7f4/scott-sanborn-1.jpeg)
Related FAQ's
To complete the account opening process, a $25 minimum opening deposit is required.
If requested during account opening, your debit/ATM card should arrive within 7-10 business days after your application is approved.
For personal checks, your first order (25) is free!
Yes! As part of the application you will have the opportunity to add a joint account owner after you submit your personal information and receive confirmation on the details of your newly approved Lending Club account.
LendingClub does not pull credit as part of our account opening process. However, we do obtain information from a credit bureau used to validate your personal information.
Related Glossary
{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment.
A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.