Open an account online in under 3 minutes
with as little as $100!
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Open your account completely 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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EARN UNLIMITED
with Rewards Checking
1% Cash Back2
Interest3
ATM Fee Rebates4
Plus, No Monthly or Hidden Fees
EARN UNLIMITED
1% Cash Back2
Interest3
ATM Fee Rebates4
Plus, No Monthly or Hidden Fees
with Rewards Checking
Security
We use 256-bit encryption to ensure that data is protected with the highest level of security.
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
Open an account online in under 3 minutes
with as little as $100!
Apply Online
Earn 1% Cash Back (with no caps)
Free ATMs worldwide and
unlimited rebates
LendingClub Bank
Earn 0.10% – 0.15% APY
Free unlimited external transfers
Earn 1% Cash Back (with no caps)
Earn 0.10% – 0.15% APY
Free unlimited external transfers
Voted Best Online Bank of 2020 by
Bankrate for our mobile banking app, unlimited ATM fee rebates, interest earning potential, and cash back offering
Other rewards programs limit the
amount you can earn in a month
The national average interest bearing
checking account earns 0.04% APY7
Most banks charge a fee for using
out-of-network ATMs
Other Banks
Other banks charge a fee and have
limitations for external transfers
Might offer ATM fee rebates, interest,
or cash back, but not all three
Might offer ATM fee rebates, interest,
or cash back, but not all three
Why Switch to LendingClub?
Early Direct Deposit
Set up direct deposit into your account and you're eligible to receive your money up to 2 days early.5
Interest-Earning
Unlimited Cash Back
Get 1% cash back on online and signature-based "credit" transactions made with a debit card.2
Free ATMs Worldwide
We won't charge a fee, and we rebate ATM fees charged by other banks, worldwide. Get unlimited ATM fee rebates and save over $300 this year!4
Unlimited Cash Back
Get 1% cash back on online and signature-based "credit" transactions made with a Radius debit card.2
Interest-Earning
Earn more than the national average. Earn 0.10% APY on balances of $2,500-$99,999.99. Earn 0.15% APY on balances of $100,000 & up.5
Early Direct Deposit
Set up direct deposit into your Radius account and you're eligible to receive your money up to 2 days early.4
Free ATMs Worldwide
We won't charge a fee, and we rebate ATM fees charged by other banks, worldwide. Get unlimited ATM fee rebates and save over $300 this year!3
Earn more than the national average. Earn 0.10% APY on balances of $2,500–$99,999.99. Earn 0.15% APY on balances of $100,000 & up.3
Our US-based Customer Service is available by your channel of choice: chat, phone or email.
Customer Support
FDIC Insurance
Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000 per depositor.
Customer Support
Our US-based Customer Service is available by your channel of choice: chat, phone or email.
FDIC Insurance
Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000 per depositor.
Testimonials
Why it pays to be a LendingClub customer:
In 2020, the average customer has received
52
$
in benefits like cash back, interest, and ATM fee rebates.*
per month
- Deposit checks
- View real-time transactions
- Pay bills and transfer funds
- Manage your budget and track spending
- Improve your financial health with our marketplace partners
Available for iOS and AndroidTM
Bank from Anywhere with LendingClub Mobile
A full-service bank at your fingertips6
Bank from Anywhere with LendingClub Mobile
A full-service bank at your fingertips6
Available for iOS and AndroidTM
Deposit checks
View real-time transactions
Pay bills and transfer funds
Manage your budget and track spending
Improve your financial health with our marketplace partners
Radius is now a part of LendingClub. All banking products provided by LendingClub Bank, N.A.
Copyright © 2021 LendingClub Bank, N.A. All Rights Reserved. Member FDIC. Equal Housing Lender.
Use your debit card and earn 1% cash back:
How to Earn Cash Back
How to Earn Cash Back
Use your debit card and earn 1% cash back:
Make signature-based (“credit”) purchases at your favorite retailers in-store and online using your debit card.
The cash back you earn will automatically be credited to your account at the end of the month following the earning period.
Cash Back Rewards are earned monthly, so if you don’t qualify in one month, you can still earn the next!
Customer Service
I have already told everyone I know how blown away I am with LendingClub's customer service. They are the most responsive, friendly, knowledgable and helpful bank I have ever worked with.
Testimonials
Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after $100.00 to open the account. [1] Earn a $50 cash bonus when you open a new Rewards Checking account by December 31, 2021 with promo code “Paula”. If you close your account for any reason before the bonus is paid, you will forfeit the bonus. You will be credited the bonus within 60 calendar days of opening your enrolled account as long as the account remains open, active, and in good standing at the time of the bonus payout. Radius Bank defines "good standing" as no NSF (non-sufficient funds) items during the preceding twelve months in your checking account (regardless of the type of checking account), and reserves the right to modify this description at any time. The value of this bonus 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 Radius Bank does not provide tax advice. Bonus is limited to one payout per account or per account owner, whichever comes first. If one entity or owner opens multiple accounts, only one account will qualify for the bonus. If there are multiple owners on one account, the account will only receive the $50 bonus once. [2] 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. [3] Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after $100.00 to open the account. Annual Percentage Yield (APY) accurate as of 7/08/2021. Minimum amount to open account is $100.00. Rate tiers are as follows: 0.00% APY applies to balances of $0.01–$2,499.99, 0.10% APY applies to the entire balance on balances of $2,500.00-$99,999.99, and 0.15% APY applies to the entire balance of $100,000.00 or more. Rates may change after account is opened. Fees may reduce earnings. [4] 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 Superhero 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 $4.69 on average. Source: CNBC as of 9/04/2019. If someone were to use an out-of-network ATM 6 times per month at an average fee of $4.69 per withdrawal, they would spend $337.68 in ATM fees in 12 months. [5] Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding. [6] Standard data and message rates may apply for all Mobile Banking services, including the LendingClub Mobile app. LendingClub Mobile is available for free on Android and iOS mobile devices and are only available to LendingClub Bank N.A. personal account holders. [7] National average source: FDIC as of 7/08/2021.
“LendingClub” and the “LC” symbol, and “Radius” and the “R” symbol, are trademarks of LendingClub Bank, a wholly-owned subsidiary of LendingClub Corporation.
*This calculation is the average amount of rewards received by current Rewards Checking clients. The data is calculated by the LendingClub data science team annually. The monthly calculation of benefits earned includes atm fee rebates, cash back, and interest earned for Rewards Checking accounts that qualify for the Advantage program.
LendingClub vs. Other Banks
FOR THE FIRST TIME EVER - I'M COMPLETELY SATISFIED WITH MY BANK - I'VE BEEN BANKING FOR OVER 50 YEARS.
Rewards
My friends ask about my cash back debit card all the time. I love how it helps me control my spending while still offering “credit-card like rewards.”
Mobile App
Very powerful Mobile app, features, can perform all the transactions without using laptop.
Make signature-based (“credit”) purchases at your favorite retailers in-store and online using your debit card.
The cash back you earn will automatically be credited to your account at the end of the month following the earning period.
Cash Back Rewards are earned monthly, so if you don’t qualify in one month, you can still earn the next!
