Checking Accounts

Apply online for a checking account today and you could start earning 1% cash back on Qualified Purchases using your debit card.1

Voted Best Cash Back Checking Account for 2022

By Newsweek
Earn 1% Cash Back
Meet qualification requirements and get rewarded for everyday purchases and earn 1.00% cash back with Rewards Checking when you use your debit card on Qualified Purchases.
Earn Interest
Checking account that rewards you for keeping a high balance. Earn 0.10% APY on balances of $2,500–$99,999.99. Earn 0.15% APY on balances of $100,000 & up.2
Get Paid Early
Set up a direct deposit into your account and you’re eligible to receive your money up to 2 days earlier.3

Why Choose LendingClub?

Best banking experience I have ever had, hands down!

—Laura H.

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Join the Club

Whether you prefer earning interest, cash back, or fee-free ATM’s, LendingClub has the perfect account for you.
Rewards Checking
Meet qualification requirements and receive 1% cash back on Qualified Purchases made with your debit card. Plus, you could earn 0.10% APY with a $2,500 balance.
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Other Accounts & Services
Don’t see what you’re looking for? See our full list of personal accounts and services.
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Feel free to contact us with any questions. We’ll make sure to get you an answer or put you in touch with whomever you’re looking for.

Account Features

Features included with every checking account.
Online and Mobile Banking
Online & Mobile Banking
Manage your accounts from anywhere – 24 hours a day, 7 days a week.
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Get Paid Early
Set up a direct deposit into your account and you’re eligible to receive your money up to 2 days earlier.
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Mobile Wallets
Add your debit card to Apple Pay®, Google Pay™ and Samsung Pay.
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.

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We use 256-bit encryption to ensure that data is protected with the highest level of security.
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FDIC Insurance
Your deposits are FDIC-insured up to the maximum amount allowed – $250,000.
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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 which may include credit approval. $25 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. Rewards 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 Eligible Accounts. Eligible Accounts are: Rewards Checking accounts that meet the following requirements for the calendar month in review: (1) 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 Deposits are 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). 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.

  1. Annual Percentage Yield (APY) accurate as of 06/19/2024. Minimum amount to open account is $25.00. Rate tiers are as follows: 0.00% APY applies to balances between $0.00 and $2,499.99; 0.10% APY applies to balances between $2,500.00 and $99,999.99; and 0.15% APY applies to balances of $100,000.00 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.

  2. 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.

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.

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