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Earn over $200 in cash back rewards a year!

You can earn 2% cash back for on-time personal loan payments and 1% cash back on debit card purchases.1,2

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The rewards keep rolling in
LevelUp your rewards

Earn 1% cash back on purchases when you use your debit card at gas stations, grocery stores, and pharmacies.2

LevelUp your loan

Already have a LendingClub personal loan? You'll earn 2% cash back for on-time payments from your LevelUp Checking account.1

LevelUp your paycheck

You could get your paycheck up to 2 days early, giving you faster access to the money you need.4

Unlock all these benefits with a Direct Deposit into your account each month.

1% cashback
loan payment cash back
early paycheck
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Earn more than $200 per year in cash back rewards⁵

With LevelUp Checking, members see their rewards add up to over $200 a year!

Want even more perks? You got it!

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1.00% APY

Make your hard-earned money work harder with 1.00% APY with balances of $2,500 or more.6
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$0 fees

Keep more of your money with a $0 minimum balance, no account fees, and free transfers.
Unlimited ATM
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Unlimited ATM
fee rebates

Get unlimited ATM fee rebates on fees charged by other banks.7
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Stack your products. Stack your benefits.

Earn money back on personal loan payments

Earn money back on personal loan payments

To earn 2% cash back, set up Direct Deposit and make an on-time payment from LevelUp Checking to your LendingClub personal loan.

Boost your earnings with LevelUp Savings

Boost your earnings with LevelUp Savings

Earn 4.20% APY with LevelUp Savings when you deposit $250+ per month.⁸

Track your rewards in the LendingClub app

Track your rewards in the LendingClub app

Check how many rewards you’ve earned so far in your personalized rewards-earnings center.

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Earn 2% cash back on personal loan payments in 3 easy steps

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Open an account

Open a new LevelUp Checking account online in minutes with a $0 opening deposit.
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Set up Direct Deposit

Set up a Direct Deposit into your new account to start earning cash back rewards right away.
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Pay your personal loan on-time

Make an on-time payment of the amount due from your LevelUp Checking account each month to earn cash back.

Open a reward-earning

LevelUp Checking account today

$0 fees. $0 minimum balance. Unlimited cash back.2

Open an Account

Your reward-earning gets better in the app

Make the smartest money move of the day.
Download the LendingClub app now.⁹

Download on the App StoreGet it on Google Play

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Frequently Asked Questions

To get 2% cash back on your monthly LendingClub personal loan payment, follow these requirements:

  1. Set up Direct Deposit: Set up Direct Deposit and receive at least 1 Direct Deposit into your LevelUp Checking account each month.

  2. Pay your LendingClub personal loan on time: Pay the monthly payment amount on your LendingClub personal loan on time and from your LevelUp Checking account.

See Terms & Conditions for additional details.

To get 1% cash back on Qualified Purchases, follow these requirements:

  1. Set up Direct Deposit: Set up Direct Deposit and receive at least 1 Direct Deposit into your LevelUp Checking account each month. 

  2. Make Qualified Purchases: Simply tap your LevelUp Checking debit card for an automatic credit purchase or choose “credit” when swiping or inserting your card in-store at qualifying gas stations, grocery stores, and pharmacies.

There are no fees for your account.

LendingClub doesn't charge a fee to use another bank’s ATM. LendingClub is centered around empowering you to meet your financial goals and will reimburse you for ATM fees charged by other banks and ATM owners. Your reimbursements will appear in your LevelUp Checking accounts, when they’re posted to your account at the end of each statement cycle.

Any earned rewards for your account will be posted the following month in the Rewards Center within the LendingClub app and online banking.

More in Help Center
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Security

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FDIC Insurance

Deposits are FDIC-insured up to the maximum amount allowed—$250,000.
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Have a question? We're here to help.
Chat with us online, or reach us by phone or email.

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595 Market Street, Suite 200

San Francisco, California 94105

If you have special access needs and are having problems accessing this website, please call 888-596-3157.
Equal Housing Lender
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Accounts subject to approval which may include credit approval. No minimum 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 Help Center for additional information. 

  1. Loan Payment Cash Back provides the opportunity to earn 2% cash back for Qualifying Payments made electronically from an Eligible Account.   

     Eligible Accounts are: LevelUp Checking accounts that: 

    (1) Receive a Direct Deposit into your LevelUp Checking account during the month in review (an “Eligible Account”); and 
    (2) Meet the qualifying requirements for the Debit Card Cash Back and/or Loan Payment Cash Back 
     
    Qualifying Payments are: Payments made on-time from an Eligible Account in the amount of the monthly payment amount. Payments must be made electronically. Any payment received after the due date or amounts in excess of the monthly payment amount are not eligible for cash back. Payments made to LendingClub Auto Loans, revolving purchase finance loans and CleanSweep do not qualify for cash back.  

    For more details, please review our LevelUp Checking Terms & Conditions. 

    Accounts are reviewed after the end of each month. Any earned cash back will be credited directly to your Eligible Account on or before the 5th business day of the next calendar month. The Eligible Account must be open and active at the time the cash back is credited.   

  2. Debit Card Cash Back provides the opportunity to earn 1% cash-back on purchases from Eligible Categories when using a debit card tied to an Eligible Account.

    Eligible Accounts are: LevelUp Checking accounts that:

    (1) Receive a Direct Deposit into your LevelUp Checking account during the month in review; and

    (2) Meet the qualifying requirements for the Debit Card Cash Back and/or Loan Payment Cash Back.

    Eligible Categories include grocery, gas, and pharmacy, as defined by their Merchant Category Code (“MCC”).

    The following purchases are not eligible to receive cash back: (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, gift cards, prepaid debit cards, or other cash equivalents).

    Accounts are reviewed after the end of each month. Any earned cash back will be credited directly to your Eligible Account on or before the 5th business day of the next calendar month. The Eligible Account must be open and active at the time the cash back is credited. For more details, please review our LevelUp Checking Terms & Conditions.

  3. FDIC-insured up to $250,000 per depositor for each ownership category.

  4. 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. 

  5. Cash back reward averages are based on Debit Card Cash Back and Loan Payment Cash Back earned by LendingClub members during July 2025 and August 2025. Averages reflect only those customers who earned cash back rewards during the specified period.

  6. Annual Percentage Yield (APY) accurate as of 10/27/2025. Rate tiers are as follows: 0.00% APY applies to balances between $0.00 and $2,499.99 and 1.00% APY applies to balances of $2,500.00 and greater. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. Fees may reduce earnings.

  7. 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 LevelUp Checking account using your LevelUp 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.

  8. LevelUp Rate of 4.20% Annual Percentage Yield (“APY”) is accurate as of 10/27/2025. Standard Rate of 3.20% APY accurate as of 10/27/2025. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. 

    LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, to provide an opportunity to set up deposits. While accounts will not move from the LevelUp Rate prior to the First Evaluation Period, the LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period.

    An Evaluation Period is a statement cycle. The First Evaluation Period will be the third statement cycle after you open your account, with any rate change becoming effective the next statement cycle. For example, if you open in August, the first Evaluation Period would be October with any rate change effective in November. Any rate changes will take place at the end of the first business day of the month and will be based on deposits in the previous statement cycle. 
     
    Fees may reduce earnings. $0 minimum opening deposit. Additional information can be found in the Product Terms & Conditions and FAQs.  

  9. 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.

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., 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.

LendingClub,” the “LC” symbol, “TopUp,” and “DebtIQ” are trademarks of LendingClub Bank.

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