Personal Banking

Advantage Program

You’ve got the advantage! 

We offer you exclusive benefits just for banking with LendingClub.

Our Advantage Program is completely free. You are enrolled automatically, just for being a LendingClub client!

Earn Unlimited 1% Cash Back

  • Earn Cash Back with Rewards Checking

    Earn unlimited 1.00% cash back on online & in-store signature-based (“credit”) purchases made with a debit card and paid from a Rewards Checking account.1

    Just select “credit” instead of “debit” at the point-of-sale where available.

Learn More

Increased Deposit & Transfer Limits

  • Increased Limits

    Do more with your account by increasing your daily debit card, external transfer, and mobile deposit limits.

  • How to qualify

    To qualify for larger transaction limits, you must be a client for a certain amount of time and have a specific relationship balance.

Learn More

Marketplace

  • Manage your money and life

    LendingClub has worked with partners to bring you the best financial products available. Whether you are looking to save towards financial goals, gain peace of mind with insurance, or save money on your next trip, our Marketplace has the products to maximize your banking experience. 

Learn More

LendingClub Store

  • Receive a surprise gift each time you get upgraded

    You will have the option to select a free gift from our store, tailored exclusively to each status upgrade. From tumblers to apparel, we have a wide selection of LendingClub gear for you to choose from. Each status is established by the length of your account and your relationship balance.

Learn More

Early Direct Deposit

  • Get paid up to two days early

    When you sign up for direct deposit, you can receive your paycheck or other income up to two days early.2 We have a form that you can complete and submit to your employer. Direct Deposit Form

Free ATM Rebates

  • Get unlimited monthly reimbursements

    With a Rewards Checking account, you can start saving money by avoiding out-of-network ATM fees and receiving reimbursements that are automatically deposited into your account at the end of the month.3

Learn More

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. The Debit Card Rewards Program (Cash Back Rewards) will provide 1.00% cash-back on all Qualified Purchases made by eligible Rewards Checking account holders if the account holder does any of the following; meet the requirements, is grandfathered in, or keeps an average balance of $2,500 or greater within the calendar month in their Rewards Checking Account, or receives total deposits of $2,500 or more in their Rewards Checking account via qualifying Direct Deposit within the month. Qualifying Direct Deposits are Automated Clearing House (ACH) credits, which may include payroll, pension or government payments (such as Social Security) by your employer, or an outside agency. LendingClub Bank N. A. may require documentation to verify that credits are Qualifying Direct Deposits. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax adviser, as LendingClub Bank N. A. does not provide tax advice. Qualified Purchases include signature-based purchases made with a LendingClub Bank issued Debit Card tied to a Rewards Checking account enrolled in the Debit Card Rewards program. 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 how the transaction is transmitted to LendingClub Bank N. A. at the time of processing. We reserve the right to determine if a transaction was a Qualified Purchase, and to establish additional types of Qualified Purchases that could be made available in a variety of ways. Any goods or services purchased with the LendingClub Bank issued Debit Card that are returned or otherwise credited to your Account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Cheques, gift cards, Cryptocurrency, Casino Chips, Peer to Peer Payments, prepaid debit cards, account openings, loan payments, or other cash equivalents) made with your LendingClub Bank issued Debit Card are not Qualified Purchases. We may require you to provide documentation to validate that certain purchases are Qualified Purchases. LendingClub Bank N. A. reserves the right to modify or discontinue this program at any time. Your enrolled account must remain open, active, and in good standing to participate in the program, meaning: No NSF (non-sufficient funds) items during the preceding twelve calendar months in your checking account (regardless of the type of checking account). An eFunds check must show no negative history in the preceding twelve months and all monthly servicing fees must have been paid in full for the 12 preceding months. LendingClub Bank N. A. reserves the right to modify the description of “good standing” at any time. If you or the Bank closes your account for any reason before the end of the statement cycle, you will forfeit all rewards accrued through your linked Debit Card during that statement cycle. 
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. Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Rewards Checking or Champion 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.