Unlimited transactions
Earn High Interest
Apply Online

More Money for Your Business

1.50% APY on balances up to
$100,000 and 0.10% APY on the portion of the balance that is $100,000 and greater.1


Unlimited Transactions

Enjoy unlimited transactions with no excess transaction fees.

Open an Account Online in Minutes

Open an account online in minutes. Skip the trip to the branch and get back to your business!

Better Business Banking

Skip the trip to the branch
Completely paperless application
Apply online in minutes
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1] Annual Percentage Yield (APY) is accurate as of 10/28/2022. Interest is earned at the rate applicable to the portion of the balance that falls within each rate tier.   Rate tiers are as follows: 1.50% APY applies to balances between $0.00–$499.99, 1.50% APY applies to the balances between $500.00 - $99,999.99, and 0.10% APY applies to balances of $100,000.00 and greater. For accounts with balances greater than $100,000.00, your blended APY can range from 1.50% to 0.10% depending on your total account balance and the portion that falls within each tier. Rates are variable and subject to change at any time, at the sole discretion of the Bank. Fees may reduce earnings.  2] The Debit Card Rewards Program (“Cash Back Rewards”) provides 1.00% cash-back on all Qualified Purchases using a debit card tied to an Eligible Account. Eligible Accounts are: Tailored Checking accounts that maintain an average monthly balance of $500.00 for the calendar month in review. Qualified Purchases are defined as: Signature-based purchases made using the debit card tied to an Eligible Account. 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 is based on how the transaction is transmitted at the time of processing. 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, currency from the U.S. Mint, Travelers Checks, gift cards, cryptocurrency, casino chips, peer to peer payments, prepaid debit cards, account openings, loan payments, or other cash equivalents). We may report the value of Cash Back Rewards to the IRS as required by law. Any client whose tax status would require us to impose tax withholding of any sort will not be eligible for Cash Back Rewards. Accounts are reviewed after the end of each month. Any earned Cash Back Rewards will be credited to your account on or before the 10th calendar day of the next calendar month. The Eligible Account must be open and active at the time the Cash Back Reward is credited. 3]  LendingClub does not charge a fee for using another bank’s ATM. Plus, get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Tailored Checking account. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. LendingClub  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 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. 4] Monthly Maintenance Fee waived in months where the average monthly balance is at least $500.00.  An account will not be overdrawn by the Monthly Maintenance Fee. An account with a balance of less than $10.00 will be assessed the amount available, reducing the balance to zero. 5] Standard data and message rates may apply for all Mobile Banking services, including the Mobile app. The Mobile app is available for free on Android and iOS mobile devices and are only available to LendingClub Bank account holders.


Freedom from Monthly Fees

No monthly maintenance fee for accounts with an average monthly balance of $500 or more.4

Here's how our rates stack up for a $100,000 checking balance:

0.50%
0.188%

Radius Bank

National Average

$500
$188

Open an account online in under 10 minutes!

Get Started Today

Open Online Now

Available for iOS and AndroidTM

Bank from Anywhere with LendingClub Mobile5

A full-service bank at your fingertips


Online account opening in minutes



No excess transaction fees



Free ATMs and unlimited rebates3


Send and receive invoices digitally
in online banking


Earn 0.50% APY

Check = Yes
Check = Yes
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Online account opening in minutes


Free ATMs worldwide and
unlimited rebates3


No excess transaction fees


Send and receive invoices digitally
in online banking


Earn 0.50% APY


You could earn unlimited 1% Cash Back2 

Check = Yes

Earn up to 1% Cash Back (Unlimited)

LendingClub blocks logo

LendingClub Bank


Most banks require a branch visit
and pile of paperwork


Typically, only a limited number
of transactions are allowed, plus
a $0.40–0.50 fee per transaction


Most banks charge a fee for using
out-of-network ATMs


Not a feature


Earn 0.00—0.18% APY

Other Banks

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X = No mark
X = No mark
X = No mark
X = No mark

Not a feature


Other rewards programs limit the amount you can earn in a month

X = No mark
Check = Yes
Check = Yes
Check = Yes
  • Real-time transaction history 
  • Pay bills, transfer funds, and send wires
  • Mobile check deposits 
  • Create and send professional digital invoices 
  • Accept card payments, ACH payments and wire transfers
  • Generate reports and reconcile transactions for accounting
  • Sync your LendingClub deposit accounts to Mint, QuickBooks, or Quicken
  • Create and send digital invoices and get paid online with Autobooks

Radius Bank

National Average

Open an Account Online in Minutes

Open an account online in minutes.
 Skip the trip to the branch and get back to your business!

Earn Interest

1.50% APY on balances up to $100,000 & 0.10% APY on the portion of the balance that is $100,000 and greater.1

Unlimited Transactions

Earn unlimited transactions with no excess transaction fees.

Freedom from Monthly Fees

No monthly maintenance fee for accounts with an average monthly balance of $500 or more.4

Customer Support

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

FDIC Insurance

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

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

Security

Meet the Best Online Business Checking Account

Tailored Checking

The business checking account tailored for you where you can earn 1% cash backenjoy unlimited transactions, and earn a competitive rate of 1.50% APY on balances up to $100,000.1 Bank smarter by opening an account within minutes.

Open Online Now
Member FDIC
Nerdwallet award for Best Bank or Credit Union Online Experience
Earn Cash Back

Unlimited Cash Back

Receive 1% cash back on Qualified Purchases using your Tailored Checking debit card.2

Free ATMs 

We won't charge a fee, and we rebate ATM fees charged by other banks. Get unlimited ATM fee rebates and you could save over $180 this year!3

Free ATMs

Unlimited Cash Back

Receive up to 1% cash back on online and signature-based "credit" transactions made with your Tailored Checking 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 $180 this year!3

Best Checking Accounts for Small Businesses

Best Business
Checking Account

Awards & Recognition

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

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