Unlimited transactions
Earn High Interest
Apply Online

More Money for Your Business

0.10% APY on balances of $5,000 & up. No monthly maintenance fee for accounts with balances of $5,000 & up.2

Unlimited Transactions

No penalties, no fees, no upcharge. It's your business, you shouldn't have to pay to run it.

Online Account Opening

Apply online in 10 minutes or less. 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
Open Online Now
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Treasury Prime
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Fintech Partner

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Fintech Partner

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[1] The Debit Card Rewards Program (Cash Back Rewards) will provide 1.00% cash-back on all Qualified Purchases made by eligible Tailored Checking account holders if the account holder meets the requirements and keeps an average balance of $5,000 or greater within the calendar month in their Tailored Checking Account. 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 Debit Card issued by LendingClub Bank tied to a Tailored 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 Debit Card issued by LendingClub Bank  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 Debit Card issued by LendingClub Bank 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.  For a limited time, an additional 0.50% bonus on transactions made in certain merchant categories will apply. Transactions must be within the following dates to qualify for a bonus: February 1, 2021 to June 30, 2021. Only specified categories will receive a bonus. Program qualifications and or categories receiving a bonus can be changed at any time. Categories receiving the bonus are: Computer Maintenance And Repair Services Not Elsewhere Classified, Computer Network Services, Computer Programming Integrated Systems Design And Data Processing Services, Computer Software Stores, Computers Computer Peripheral Equipment Software, Direct Marketing Continuity/Subscription Merchant, Fax Services Telecommunication Services. These categories are determined by the merchant, not by LendingClub Bank, N.A. All additional requirements of the Debit Card Rewards program apply.  [2] Annual Percentage Yield (APY) is accurate as of 7/12/2021. Minimum amount to open account is $100.00. Rate tiers are as follows: 0.00% APY applies to balances of $0.01—$4,999.99, and 0.10% APY applies to the entire balance on balances of $5,000 or more. Rates may change after account is opened. Fees may reduce earnings. Accounts with an average monthly balance of less than $5,000.00 at the end of each statement cycle will be charged a $10.00 monthly maintenance fee. National average interest rate for business checking is 0.188% APY - source: www.fdic.gov.  [3] 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 using the Debit Card issued by LendingClub Bank 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.  [4] 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. 

Mobile Banking

24/7 Online & Mobile Banking

Manage your accounts from anywhere, at any time. Digital invoices, wires, ACH, bill pay, mobile deposit, and more in the palm of your hand.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 Mobile

A full-service bank at your fingertips


Online account opening in minutes



Unlimited fee-free transactions



Free ATMs worldwide and
unlimited rebates
3


Send and receive invoices digitally
in online banking


Earn 0.50% APY

Check = Yes
Check = Yes
Check = Yes
Check = Yes
Check = Yes

Online account opening in minutes


Free ATMs worldwide and
unlimited rebates3


Unlimited fee-free transactions


Send and receive invoices digitally
in online banking


Earn 0.50% APY


Earn 1.00% Cash Back (Unlimited)

Check = Yes

Earn up to 1.5% 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

X = No mark
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, ACH, and lockbox payments  
  • Generate reports and reconcile transactions for accounting

Radius Bank

National Average

Online Account Opening

Apply online in 10 minutes or less. Skip the trip to the branch and get back to your business!

Earn Interest

0.10% APY on balances of $5,000 & up.2

Unlimited Transactions

No penalties, no fees, no upcharge. It's your business, you shouldn't have to pay to run it.

24/7 Online & Mobile Banking

Manage your accounts from anywhere, at any time. Digital invoices, wires, ACH, bill pay, mobile deposit, and more in the palm of your hand.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.

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

Open online in minutes, and while you're out hustling, we'll put your money to work with an industry-leading interest rate and up to 1% cash back.1

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 online and signature-based "credit" transactions made with your debit card.1

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

Free ATMs

Unlimited Cash Back

Receive up to 1.5% cash back on online and signature-based "credit" transactions made with a Radius debit card.1

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

Fundera

Fundera
Magnify Money

Best Business Checking Accounts 2020

College Investor

Best Checking Accounts for Small Businesses

Money Under 30

Best Business
Checking Account

Awards & Recognition

Best Place to Open a Business Checking Account

Our recommendation for best places to open a business checking account online is the digital-native bank LendingClub Bank. Their Tailored Business Checking Account is ideal for growing businesses. According to their website, LendingClub estimates that you can open your online business checking account in as little as 10 minutes.

LendingClub Mobile app for Tailored Checking accounts

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.

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