Tailored Checking

Meet the Best Online Business Checking Account

The business checking account tailored for you where you can earn 1% cash back1, enjoy unlimited transactions, and earn a competitive rate of 1.50% APY on the portion of your balance below $100,000.00.2 Bank smarter by opening an account within minutes.

Personal Banking Member FDIC
Unlimited Cash Back
Receive 1% cash back on Qualified Purchases using your Tailored Checking debit card.
Open an Account Online in Minutes
Open an account online in minutes. Skip the trip to the branch and get back to your business!
Unlimited Transactions
Enjoy unlimited transactions with no excess transaction fees.3
Fee ATMs
Fee Free ATMs
We won’t charge a fee, and we rebate ATM fees charged by other banks. Get unlimited ATM fee rebates and you could save over $180 this year!4
More Money for Your Business
More Money for Your Business
1.50% APY on the portion of your balance below $100,000.00 and 0.10% APY on the portion of your balance that is $100,000.00 and greater.
Freedom from  Monthly Fees
Freedom from Monthly Fees
No monthly maintenance fee for accounts with an average monthly balance of $500 or more.5

Get Started Today

Open an account online in minutes!

Awards & Recognition

Best Checking 
Accounts for Small Business
Best Checking Accounts for Small Business
BestOnlineBank 2024
Best Online Bank
Best Business 
Checking Account
Best Business 
Checking Account
Bank from Anywhere with LendingClub Mobile

Bank from Anywhere with LendingClub Mobile

A full-service bank at your fingertips6

Available for iOS and Android

  • Pay bills, transfer funds, and send wires

  • Mobile check deposits

  • Accept card payments, ACH payments and wire transfers

  • Generate reports and reconcile transactions for accounting

  • Sync your LendingClub deposit accounts to Mint, QuickBooks, or Quicken

  • Create and send digital invoices and get paid online with Autobooks

Compare LendingClub to Other Banks

Other Banks
You could earn unlimited 1% Cash Back
Online account opening in minutes
No excess transaction fees
Free ATMs and unlimited rebates
Send and receive invoices digitally with online banking

Ready to apply?

It’s easy. All you need is:
Freedom from  Monthly Fees
Computer or mobile device
You can apply from anywhere, at any time.
Minutes of your time
Open your account online in minutes.
$100 or more to open
Fund with a transfer from your existing bank account.

Better Business Banking

Apply online in minutes

Still have questions?

Learn more about Tailored Checking and our other business solutions.

Accounts subject to approval which may include credit approval. $100 opening deposit required. Please see Product Terms & Conditions for additional product details. FDIC-insured up to $250,000 per depositor for each ownership category. Visit our FAQ page for additional information.

  1. National average source: FDIC as of 1/25/2024.

  2. Annual Percentage Yield (APY) is accurate as of 07/12/2024. 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.

  3. Tailored Checking Cash Back Rewards: 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).

    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.

  4. LendingClub does not charge a fee to use another bank’s ATM. Plus, get unlimited ATM surcharge rebates for ATM fees charged by other banks and ATM owners. ATM rebates apply to cash withdrawals from your Tailored Checking account using your Tailored Checking debit card. International exchange and service fees not included. ATM fees are rebated at the end of each statement cycle. LendingClub makes its best effort to identify ATM fees eligible for rebate. In the event 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 rebate program at any time.

  5. 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.

  6. Outgoing wire transfer fees and other miscellaneous fees may apply. View Terms & Conditions for daily dollar thresholds.

  7. 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.

Any reviews presented are individual experiences and results may vary. Reviews are collected and authenticated by Bazaarvoice. Any average rating presented is based on these reviews. All reviews can be accessed at https://www.lendingclub.com/company/reviews.

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

"LendingClub" and the "LC" symbol are trademarks of LendingClub Bank.

© 2024 LendingClub Bank. All rights reserved.