Personal Banking

Award-winning banking at your fingertips  

Our Rewards Checking account, competitive CDs, and new LevelUp Savings account will help you meet your goals.  

Open an Account

LevelUp Savings

Rewards Checking

Certificates of Deposit

Savings 640

LevelUp Savings

Earn 10x the National Average²

Get 4.40% APY on your balance when you deposit $250+ per month.³

Freedom from fees  

Keep more of your money with no account fees and free transfers.   

$0 minimum balance

No minimum to open or minimum balances required.  

Checking 640

Rewards Checking

A checking account that helps your money grow

1% Cash Back

You could get unlimited 1.00% cash back on Qualified Purchases using your debit card.⁴

Freedom from Fees

No monthly maintenance, overdraft or NSF fees. Also, enjoy ATM fee rebates!⁵

Interest-Earning

Competitive interest rates up to 0.10% APY for balances over $100,000.⁶

CDs 640

Certificates of Deposit

6 Month Earn 4.00% APY⁷
1 Year Earn 3.75% APY⁷
14 Month Earn 4.10% APY⁷
18 Month Earn 3.50% APY⁷
2 Year Earn 3.50% APY⁷
5 Year Earn 3.40% APY⁷

Open a LevelUp account in minutes  

Start earning more today. What are you waiting for?

Open an Account

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Your membership gets
better in the app

Make the smartest money move of the day.
Download the LendingClub app now.⁸

Why Choose LendingClub?

I just opened a Checking Account within minutes. GREAT user experience so far.⁹

- Susan L.

Read More Reviews

Bankrate 5.0 (1)

BestOnlineBank 2024

BestCDAccount 2024

What Our Members Say

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Security

Keeping your financial info private and secure is our priority.

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FDIC Insurance

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.

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.

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Accounts subject to approval, which may include credit approval. $25 minimum opening deposit required for Rewards Checking. No minimum opening deposit required for LevelUp Savings. $500 minimum opening deposit required for CDs. Please see Product Terms & Conditions for additional product details. Visit our Help Center for additional information.

FDIC-insured up to $250,000 per depositor for each ownership category.
National average source: FDIC as of 10/17/2024.
LevelUp Rate of 4.40% Annual Percentage Yield (“APY”) 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 of 3.40% APY. 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.

APY accurate as of 04/23/2025. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. Fees may reduce earnings. $0 minimum opening deposit. Additional information can be found in the Product Terms & Conditions and FAQs. 
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. Transaction codes are set by payor, and business-to-business or business-to-contractor payments or transfers may be excluded from Qualified Direct Deposits, dependent on the code set by payor.
  
  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.
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 Rewards Checking account using your Rewards 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. Out-of-network ATM fees cost $2.50 on average — source: CNBC as of 01/26/2022. If someone were to use an out-of-network ATM 6 times per month at an average fee of $2.50 per withdrawal, they would spend $180 in ATM fees in 12 months.
Annual Percentage Yield (APY) accurate as of 04/23/2025. 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 0.10% 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.
Annual Percentage Yield (APY) accurate as of 04/23/2025. Minimum amount to open is $500.00. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
Standard data and message rates 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,” the “LC” symbol, “TopUp,” and “DebtIQ” are trademarks of LendingClub Bank.

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