Personal Banking


Congratulations on opening your new account!

Getting Started

Enroll in Online Banking

Start enjoying the features of your new account right away by enrolling in Online Banking, account setup is quick and easy - you can enroll in just a few clicks.

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Download the Mobile App

Get the mobile app to manage your account and deposit checks from anywhere.1

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Debit/ATM Card

If you ordered a debit or ATM card as part of your application, you should receive your card within 7-10 business days. If you did not order a debit or ATM card and would like one, please contact Customer Service.


Your first order of checks is free and should arrive within 10-14 days if you ordered as part of your application. If you didn’t order checks and would like to place an order, please give us a call to order your checks. After your first order, you can order more checks using Online Banking.

Direct Deposit

Setting up direct deposit is simple. In Online Banking, select the relevant account and click on “View Account Ownership Letter” from the Services menu on the right. Your account and routing number provided can be submitted to your employer/depositor to get started.

Opening Deposit

If you transferred money from an outside account to open your new account, you’ll see the deposit posted to your account within 2-3 business days. The deposit is held for 5 business days for your security.

Read more about daily transaction limits

Member Rewards Mobile App
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Grow Your Balance

Early Direct Deposit

Set up direct deposit into your account and you’re eligible to receive your money up to two days early. Your paycheck will be available as soon as your employer submits their payroll files to the Federal Reserve. For many, this means receiving your funds as early as 2 days before your company’s payday.2

ATM Fee Rebates for Rewards Checking

LendingClub never charges its clients to use an ATM, but others will.  Rewards Checking accountholders are reimbursed each month for ATM fees charged by other financial institutions. At the end of each month, we calculate the amount in ATM fees you incurred during the month and automatically rebate your account.3 No forms to submit, no receipts to keep, it’s that easy.

Fee-Free In-Network ATMs for High-Yield Savings4

Use one of the 37,000+ MoneyPass or SUM ATMs at no charge. LendingClub does not charge a fee to use any ATM, however, ATM owner fees apply for use of out-of-network ATMs.

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Shared Deposit ATMs

LendingClub is part of a shared deposit ATM network, MoneyPass, which allows Rewards Checking and High-Yield Savings accountholders the ability to make deposits at ATMs of other institutions that participate in the program.

Find a MoneyPass Deposit Taking ATM

Mobile Check Deposit

No time to go to the ATM? Deposit your check from anywhere using the mobile app.

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Funds Transfer

Link an external account within Online or Mobile Banking for free funds transfers. Please note, that the initial setup of an external account may take up to 3 days.

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.
We use 256-bit encryption to ensure that data is protected with the highest level of security.
FDIC Insurance
FDIC Insurance
Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000 per depositor for each ownership category.
Customer Support
Have a question? We're here to help. Reach us by phone or email.

  1. 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.

  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.

  3. 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.

  4. LendingClub does not charge a fee to use another bank's ATM for withdrawal, deposits, balance inquiry or transfer of funds. Service fees charged by other banks and ATM owners still apply; however, there will be no charge for use of an ATM in the SUM or MoneyPass ATM network ("In=Network ATMs").

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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