Make the most of your money with LendingClub, recently awarded for its Best Cash Back Checking Account on Newsweek's America's Best Banks list for 2022. Our superior products and services are built to help you reach financial wellness, including our award-winning checking account, Rewards Checking, offering 1% cash back, ATM fee rebates and more.
Meet qualification requirements to start earning 1% cash back on Qualified Purchases made with your Rewards Checking debit card.1
We won’t charge a fee, and we rebate ATM fees charged by other banks, worldwide. Get unlimited ATM fee rebates and you could save over $180 this year!2
Set up a direct deposit into your account and you’re eligible to receive your money up to 2 days earlier. *
Save more in your pocket month-to-month by saying goodbye to overdraft, monthly maintenance and incoming wire transfer fees!
Earn more than the national average. Earn 0.10% APY with account balances between $2,500 and $99,999.99. Earn 0.15% APY with account balances of $100,000 & up. *
Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000 per depositor for each ownership category.
Open an account online in under 3 minutes with as little as $25!
Get money deposited back into your account each month:
Available for iOS and AndroidTM
Available for iOS and AndroidTM
You must have a Rewards Checking account open for at least 30 days, and either receive $2,500 worth of recurring direct deposits into your account from an employer or another source of income or keep an average monthly balance of $2,500 or more in your account. Cash back is only available for Qualified Purchases made with a Rewards Checking debit card. *
Tip: When shopping in store select “credit” instead of “debit” at the point-of-sale where available to ensure you receive the cash back. The cash back you earn will automatically be credited to your account at the end of the month following the earning period.
The first option is called the “debit/online/PIN debit” method, where you enter your PIN at the point of sale and the funds are immediately debited from your account.
The second option is called the “credit/offline/signature debit” method, where you select the “credit” button, sending the transaction through the credit card processing network. A hold is placed on the money for the transaction in your account, which clears or processes in a day or two. You have to use this debit function if you want to receive cash back during your transaction. It is important to note that when you are using your debit card for online purchases, your card will automatically run as a credit transaction.