Logo

Personal Banking

Award-Winning Banking at Your Fingertips

Our FDIC-insured checking & savings products help you meet your financial goals. Find the account that’s right for you.

Personal Banking Member FDIC
High-Yield Savings /Tab /Group/ Working lady

High-Yield Savings

Earn 10x the National Average1

Earn 5.00% APY on your entire balance.2

FDIC Insurance

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

Freedom from Fees

No monthly maintenance fees and free unlimited external transfers.

Tab - Rewards checking / Personal Banking/ slug: /personal-banking

Rewards Checking

A checking account that helps your money grow

1% Cash Back

You could get unlimited 1.00% cash back on Qualified Purchases using your debit card.3

Freedom from Fees

No monthly maintenance, overdraft or NSF fees. Also, enjoy ATM fee rebates!4

Interest-Earning

Competitive interest rates up to 0.15% APY for balances over $100,000.5

Tab - Certificates of deposits image / personal-banking

Certificates of Deposit

  • 6 Month Earn 5.00% APY6

  • 1 Year Earn 5.15% APY6

  • 18 Month Earn 5.00% APY6

  • 2 Year Earn 4.50% APY6

  • 3 Year Earn 4.30% APY6

  • 5 Year Earn 4.00% APY6

awards2024

Let's get started

Don’t have a LendingClub bank account yet? Apply in minutes! What are you waiting for?

Apply Now

More Than Just a Bank

At LendingClub, we're committed to helping our clients meet their financial goals by delivering superior products and services
Checking Accounts
Savings Accounts
Online & Mobile

More Products for You

Your membership gives you access to many more products designed for you
Balance Transfer Loans Cash Only Loans Auto Refinance

Questions?

Feel free to contact us with any questions. We’ll make sure to get you an answer or put you in touch with whomever you’re looking for.

Contact Us

Why Choose LendingClub?

I just opened a Checking Account within minutes. GREAT user experience so far.

- Susan L.

Read More Reviews
Bankrate 2024
BestOnlineBank 2024
BestCDAccount 2024
What Our Members Say
lc-icon
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.

Safe & Secure
Security Icon White
Security
We use 256-bit encryption to ensure that data is protected with the highest level of security.
Bank Icon White
FDIC Insurance
Your deposits are FDIC-insured up to the maximum amount allowed – $250,000.
Chat Icon White
Customer Support
Have a question? We’re here to help. Chat with us online, or reach us by phone or email.

Financial well-being for everyone.

Everything we do is centered around empowering you to meet your personal financial goals by enabling access to a broad range of financial products, services, and educational resources, all designed to help you pay less when borrowing and earn more when saving.

Contact Us

WHAT WE OFFER

Personal LoansPersonal BankingAuto RefinancingPatient SolutionsBusiness LoansBusiness BankingCommercial BankingInstitutional InvestingLC NotesOther Types of LoansApply for a LoanApply for a bank account

RESOURCES

Borrower ResourcesInvestor ResourcesPersonal Loan Rates & FeesCustomer ReviewsResource CenterGlossarySafety & Privacy

LEGAL

Terms of UsePrivacy PolicyData Collection and UseAccessibilitySEC FilingDisclosures and AgreementsLegal Requests

ABOUT US

CRA Public FileCompanyLeadershipCareersMedia CenterCorporate GovernanceInvestor RelationsContact

ACCOUNT

Sign InLendingClub MobileLendingClub CommercialHelpYour Privacy ChoicesYour Privacy Choices

DEVELOPERS

Powered by the LCTM platform

LC Logo
LC logo

595 Market Street, Suite 200

San Francisco, California 94105

If you have special access needs and are having problems accessing this website, please call 888-596-3157.
Equal Housing Lender
accredited-business
verify-sign

Accounts subject to approval, which may include credit approval. $25 minimum opening deposit required for Rewards Checking. $100 minimum opening deposit required for High Yield Savings. $2,500 minimum opening deposit required for CDs. Please see Product Terms & Conditions for additional product details. FDIC-insured up to $250,000 per depositor for each ownership category. Visit our Help Center for additional information.

  1. National average source: FDIC as of 1/25/2024.

  2. Annual Percentage Yield (APY) accurate as of 04/20/2024. Minimum amount to open account is $100.00. Rate tiers are as follows: 5.00% APY applies to balances between $0.00 and $9.99; 5.00% APY applies to balances between $10.00 and $2,499.99; and 5.00% APY applies to balances of $2,500.00 and $24,999.99; 5.00% APY applies to balances of $25,000 and greater. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. Fees may reduce earnings.

    1. Rewards Checking Cash Back Rewards: The Debit Card Rewards Program (“Cash Back Rewards”) provides 1.00% cash-back on all Qualified Purchases using a debit card tied to Eligible Accounts. Eligible Accounts are: Rewards Checking accounts that meet the following requirements for the calendar month in review: (1) Maintain an average monthly balance of at least $2,500.00; or (2) Receives at least $2,500.00 in Qualifying Direct Deposits.

      Qualifying Direct Deposits are defined as: Recurring Automated Clearing House (ACH) credits, including payroll, pension or government payments (such as Social Security) made by your employer, or an outside agency. We may require documentation to verify that credits are Qualifying Direct Deposits. Qualifying Direct Deposits do not include peer to peer payments or ACH transfers (funds transfers) from your external accounts.

      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). 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.

  4. 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 discontinue the 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.

  5. Annual Percentage Yield (APY) accurate as of 04/20/2024. Minimum amount to open account is $25.00. Rate tiers are as follows: 0.00% APY applies to balances between $0.00 and $2,499.99; 0.10% APY applies to balances between $2,500.00 and $99,999.99; and 0.15% APY applies to balances of $100,000.00 and greater. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. Fees may reduce earnings.

  6. Annual Percentage Yield (APY) accurate as of 04/20/2024. Minimum amount to open is $2,500.00. Maximum opening deposit amount of $250,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

  7. 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.

Any reviews presented are individual experiences and results may vary. Reviews collected and authenticated by Bazaarvoice. All reviews can be accessed at https://www.lendingclub.com/company/reviews

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

"LendingClub" and the "LC" symbol are trademarks of LendingClub Bank.

© 2024 LendingClub Bank. All rights reserved.