Personal Banking

Your New Account

Congratulations on opening your new High-Yield Savings or Rewards Checking account!


Getting Started

  • Enroll in Online Banking

    Start enjoying the features of your new account right away by enrolling in Online Banking, account setup takes under 2 minutes.

    Learn More
  • Download the Mobile App

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

    Learn More
  • 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.

  • Checks

    Your first order of checks are 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

    Set up direct deposit and have your paycheck sent right into your savings or checking account. To get started, complete our direct deposit form and provide it to your employer.

    Download a Direct Deposit Form

Availability of Funding Deposit

  • 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

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 also 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.

    Learn More
  • 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.

    Learn More
  • 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.

    Learn More
  • 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.

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. Standard data and message rates may apply to Mobile Banking services. This includes the use of LendingClub MobileLendingClub 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 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 disclosure the rebate program at any time.
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”).