Personal Banking

ATM Fee Rebates

Unlimited monthly reimbursements for out-of-network ATM fees

Find an in-network ATM

Get unlimited ATM fee rebates and save over $175 this year! 1 

The average fee to use an out-of-network ATM in the U.S. is a staggering $2.50 per visit. While that may not sound like a lot, it can add up quickly when 40% of ATM users regularly use an ATM for withdrawals 6-10 times per month!

How it Works

LendingClub never charges its clients to use an ATM, but others will. At the end of each month, we calculate the amount in ATM fees you incurred during the month and automatically rebate your account. No forms to submit, no receipts to keep, it’s that easy.

Accounts Eligible for ATM Fee Rebates

Don’t want to wait until the end of the month for reimbursement?

Use your debit card to access more than 325,000 surcharge-free ATMs as part of our partnership with the NYCE®, SUMSM and MoneyPass® ATM networks

Find an ATM

Why choose LendingClub?

  • Andres G.
  • Joseph S.
  • Monique R.
  • John M.
  • “I like having all fees resulting from ATM use reimbursed to me, no matter how often or how little I use ATMs. I also like it that there is no cap on how much these reimbursements can amount to.”

    Andres G.

  • “This representative was extremely kind, courteous, helpful, and knowledgeable. She was successfully able to resolve my issue quickly, and was very kind and attentive during the process. This representative sets a great example of what excellent customer service is.”

    Joseph S.

  • Best banking experience I ever had hands down

    Laura H.

  • The unbelievably kind and helpful customer service team is one of the main reasons I bank with LendingClub.

    Michael F.

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.

Security

We use 256-bit encryption to ensure that data is protected with the highest level of security.

Financial Institution

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. Chat with us online, or reach us by phone or email.

1. Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Rewards Checking account using the LendingClub Bank issued Debit Card wherever it is accepted. LendingClub Bank N. A. does not charge a fee for using another bank’s ATM. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. LendingClub Bank N. A. makes its best effort to identify those ATM fees eligible for rebate. In the event that you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. LendingClub Bank N. A. reserves the right to modify or discontinue the ATM surcharge 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.