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Open an account online in under 3 minutes
with as little as $100!

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Open your account online in 3 minutes or less

3 minutes of your time

You'll need:

$100 or more to open

Fund via debit card, prepaid card, or transfer from your existing bank account

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You can apply from anywhere, at any time

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Plus, No Monthly Fees

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Security

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

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FDIC Insurance

Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000.

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

Customer Support

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Open Online Now

Open an account online in under 3 minutes
with as little as $100!

Apply Online

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You could earn 2.65% APY1 


Free unlimited external transfers

LendingClub Bank

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Voted Best Bank or Credit Union for
Online Experience of 2021 by Nerdwallet for our mobile banking app



You could earn 2.65% APY1 


Voted Best Bank or Credit Union for Online Experience of 2021 by Nerdwallet for our mobile banking app



Receive a free ATM card with your savings account, allowing you to access your money quickly and easily

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The national average savings account earns 0.17% APY2


Most big banks do not offer these award-winning features


Other banks charge a fee and have
limitations for external transfers

Other Banks

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X = No mark
X = No mark

Most banks do not offer an ATM card with their savings account

X = No mark

Most banks do not offer an ATM card with
their savings account

Why switch to LendingClub?

ATM card

FDIC Insurance

Your deposits are FDIC-insured up to the maximum amount allowed — $250,000 per depositor for each ownership category.

Interest-Earning

Percent Sign

Interest-Earning

Earn 15X the national average with 2.25% APY on your entire balance.1, 2

Free ATM Card

Access your money with a free ATM card.

Earn 15X the national average with 2.65% APY on your entire balance.1, 2

Our Customer Service is available by your channel of choice: chat, phone or email.

Customer Support

Free ATM Card

Access your money with a free ATM card.

Customer Service headset
Financial Institution

Customer Support

Our Customer Service is available by your channel of choice: chat, phone or email.

FDIC Insurance

Your deposits are FDIC-insured up to the maximum amount allowed — $250,000 per depositor for each ownership category.


Mobile check deposit
Grow your savings balance 

Finance tools made for you
Manage your finances with our personal financial tools

24/7 Access 
Have access to your account virtually anytime, anywhere 


Available for iOS and AndroidTM

Start saving anytime, anywhere

A full-service bank at your fingertips3

Start saving anytime, anywhere

A full-service bank at your fingertips3

Available for iOS and AndroidTM

All banking products provided by LendingClub Bank, N.A.
Copyright © 2022 LendingClub Bank, N.A. All Rights Reserved. Member FDIC. Equal Housing Lender.

1] High-Yield Savings has no monthly maintenance fee, no minimum balance requirement after $100.00 to open the account, and is FDIC-insured up to the maximum allowed. Annual Percentage Yield (APY) accurate as of 09/27/2022. Rate tiers are as follows: 2.65% APY applies to balances of $0.00-$9.99; 2.65% APY applies to the entire balance on balances of $10.00-$2,499.99; 2.65% APY applies to the entire balance on balances of $2,500.00-$24,999.99 and 2.65% APY applies to the entire balance on balances of $25,000.00 or more.  Rates are variable and may change at any time after the account is opened without notice. Rates are determined in the sole discretion of the Bank. Fees may reduce earnings. 2] National average source: FDIC as of 09/27/2022. 3] 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.

“LendingClub” and the “LC” are trademarks of LendingClub Bank, a wholly-owned subsidiary of LendingClub Corporation.


Member FDIC
Equal Housing Lender
LendingClub Bank
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Check Mark = Yes
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Financial Institution
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2.65

APY1

Nerdwallet Best-Of Awards 2021: Best Bank or Credit Union for Online Experience

EARN UNLIMITED

Open Online Now

with High-Yield Savings

Mobile check deposit
Grow your savings balance 

Finance tools made for you
Manage your finances with our personal financial tools

24/7 Access 
Have access to your account virtually anytime, anywhere 

%

Frequently Asked Questions

How do I fund my account and when are the funds available? 

To fund your new account, you can transfer money from your account at another bank using your routing and account number or by using your debit card. Your initial deposit may be held for 5 business days after receipt of the funds. To see your limits for adding funds, please click here.

There is no monthly maintenance fee for a High-Yield Savings account. Additionally, we do not charge a fee to wire funds into your account from another bank, nor do we charge any overdraft fees. To see miscellaneous fees that may be applicable to your account, please click here.   

Are there any fees for a High-Yield Savings account?

Is there a minimum balance to earn interest?

Great news! There is no minimum balance required to earn interest in your High-Yield Savings account! Please note, interest rates are variable, and they are subject to change without prior notice and at our discretion.

How can I deposit money into my account after my account is opened?

We have multiple ways to add funds to your account; free incoming wires, mobile check deposit, cash deposits at Money Pass Deposit Taking ATMs and NYCE Shared Deposit ATMs, and ACH transfers from your accounts at other banks. To see your transaction limits, please click here 

Calculate how much you could earn with our High-Yield Savings account