Personal Banking

Award-winning banking at your fingertips  

Our rewarding LevelUp Checking account, interest-earning LevelUp Savings account, and competitive CDs will help you meet your goals.

Open an Account

LevelUp Savings

LevelUp 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

LevelUp Checking

LevelUp your money with our members-only checking account.

Cash Back Rewards

You could earn 1% cash back on Qualified Purchases and 2% cash back for on-time LendingClub personal loan payments with Direct Deposit.^{4, 5}

Freedom from Fees

$0 minimum balances, no account fees, and free transfers. Also, enjoy unlimited ATM fee rebates!⁶

Get Paid Early

Set up direct deposit and you could get your paycheck up to 2 days earlier.⁷

CDs 640

Certificates of Deposit

6 Month Earn 4.00% APY⁸
1 Year Earn 3.75% APY⁸
14 Month Earn 4.25% APY⁸
18 Month Earn 3.50% APY⁸
2 Year Earn 3.50% APY⁸
5 Year Earn 3.40% APY⁸

Open a LevelUp account in minutes  

Start earning more today. What are you waiting for?

Open an Account

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Why Choose LendingClub?

I have a 10-month LendingClub CD myself, and I locked in a great rate. It's perfect for funds I don't need immediate access to, and I love watching the balance grow over time.¹⁰

- LendingClub Member

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Bankrate 5.0 (1)

BestOnlineBank 2024

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LendingClub Member Review

Security

Keeping your financial info private and secure is our priority.

FDIC Insurance

Deposits are FDIC-insured up to the maximum amount allowed—$250,000.

Customer support

Have a question? We're here to help.
Chat with us online, or reach us by phone or email.

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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. No minimum opening deposit required for LevelUp Checking or 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 accurate as of 07/01/2025. Standard Rate of 3.40% APY accurate as of 07/01/2025. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank.
LevelUp Rate 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. 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.

Fees may reduce earnings. $0 minimum opening deposit. Additional information can be found in the Product Terms & Conditions and FAQs. 
Debit Card Cash Back provides the opportunity to earn 1.00% cash-back on Qualified Purchases when using a debit card tied to an Eligible Account.  
Eligible Accounts are: LevelUp Checking accounts that:
(1) Receive a Direct Deposit into your LevelUp Checking account during the month in review (an “Eligible Account”); and
(2) Meet the qualifying requirements for the Debit Card Cash Back and/or Loan Payment Cash Back

Qualified Purchases are: Signature-Based Purchases in Eligible Categories made using the debit card associated with an Eligible Account.  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, gift cards, prepaid debit cards, or other cash equivalents). 

Signature-Based Purchases 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 

Eligible Categories include grocery, gas, and pharmacy, as defined by their Merchant Category Code (“MCC”). For more details, please review our LevelUp Checking Terms & Conditions.
Accounts are reviewed after the end of each month. Any earned cash back will be credited directly to your Eligible Account on or before the 5th business day of the next calendar month. The Eligible Account must be open and active at the time the cash back is credited.
Loan Payment Cash Back provides the opportunity to earn 2% cash back for Qualifying Payments made electronically from an Eligible Account.
Eligible Accounts are: LevelUp Checking accounts that:
(1) Receive a Direct Deposit into your LevelUp Checking account during the month in review (an “Eligible Account”); and
(2) Meet the qualifying requirements for the Debit Card Cash Back and/or Loan Payment Cash Back

Qualifying Payments are: Payments made on-time from an Eligible Account in the amount of the monthly payment amount. Payments must be made electronically. Any payment received after the due date or amounts in excess of the monthly payment amount are not eligible for cash back. Payments made to LendingClub Auto Loans, revolving purchase finance loans and CleanSweep do not qualify for cash back. 
For more details, please review our LevelUp Checking Terms & Conditions.
Accounts are reviewed after the end of each month. Any earned cash back will be credited directly to your Eligible Account on or before the 5th business day of the next calendar month. The Eligible Account must be open and active at the time the cash back 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 LevelUp Checking account using your LevelUp 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.
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.
Annual Percentage Yield (APY) accurate as of 07/01/2025. 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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