• High-Yield Savings

    Take advantage of one of the nation’s top rates while enjoying the freedom of no monthly fees.

    Get Started
    Earn up to 0.60% APY with a High-Yield Savings account.
  • Rewards Checking

    Earn 1.00% cash back on debit card purchases & get unlimited ATM fee rebates while earning up to 0.15% APY.

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  • Tailored Checking

    Business interest checking with no hidden fees. Now earn 1.00% cash back on your signature based purchases! 

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  • Radius is now LendingClub

    The best online bank of 2020 is now even better. Radius has joined America’s largest personal loan company to offer our members access to fair credit, competitive rates, and the financial tools to help you get out of debt and make the most of your money.

    Learn More

Built for You

At LendingClub, we’re committed to delivering superior products and services to help our clients meet their financial goals.

  • Marketplace Businesses

    Partner Marketplace

    We’ve partnered with some of the best financial products available to help you spend, save, and protect your money (and life).

    Learn More
  • Free ATMs

    Fee-Free Checking

    It’s your money—you shouldn’t have to pay to use it. All LendingClub accounts have no monthly maintenance fees or low balance requirements and pay no fees to use a SUM or MoneyPass ATM.
    Additionally, our Rewards Checking and Tailored Checking customers receive unlimited monthly reimbursements for out-of-network ATM fees.
    Learn More
  • Earn Interest

    High-Yield Savings

    Earn up to 0.60% APY on balances of $2,500 & up and meet your savings goals faster. Don’t quite have $2,500? High-Yield Savings accounts still earn 0.05% APY on balances of $0.01 to $2,499.99.

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  • Rewards Checking

    Get rewarded for everyday purchases and earn cash back with Rewards or Tailored Checking every time you use your debit card.

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  • Direct Deposit

    Get Paid Up to 2 Days Early

    Set up direct deposit into your LendingClub deposit account and you’re eligible to receive your money up to two days early. Your paycheck will be available as soon as your employer submits their payroll files to the Federal Reserve. For many, this means receiving your funds as early as Wednesday on pay week.


  • Cash

    Rewards Checking

    Get a free interest checking account that rewards you for keeping a high balance.

    • – Earn 0.10% APY on balances of $2,500-$99,999.99
    • – Earn 0.15% APY on balances of $100,000 & up
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  • Debit card security

    Manage Card Controls

    Misplacing your debit card happens. Luckily, we have you covered with the Cards section in your LendingClub Mobile app. You can turn your debit card on/off should your card ever become lost or stolen. 

    Learn More
  • Business

    Tailored Checking

    Earn 1.00% cash back on your signature based purchases. Get unlimited transactions with no upcharge, free ATMs worldwide, and earn 0.10% APY on balances of $5,000 & up. No documents needed. Apply online in minutes and get back to running your business.

    Learn More
  • Integrated Finance Tools

    Create a budget, track your spending, analyze trends, develop an action plan to pay off debts, and calculate your net worth—all included with personal Online & Mobile Banking.

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  • Mobile Device

    Pay on the go with mobile wallets

    Add your debit card to Apple Pay®, Google Pay™, and Samsung Pay. When you’re ready to pay, open the app, tap your phone to compatible registers and complete your purchase!

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  • Mobile deposit

    Deposit checks with the LendingClub mobile app

    Securely deposit checks into your checking or savings account with just a few taps. Endorse your check with “Mobile Deposit Only” on the back, take a picture, and you’re all set!

    Learn More
  • Pay Bills and People

    Make payments to businesses and individuals

    Whether you’re paying a utility bill or chipping in for a gift, schedule and make payments in Online & Mobile Banking.

    Learn More

Apply Online

Open an account online in under 3 minutes—right now, wherever you are, on any device!

Apply Now

Awards & Recognition

  • Awarded Best Cash Back Checking Account of 2022 by Newsweek

  • Nerdwallet Best Checking Account Award for Radius Bank

    Awarded Best Online Checking Account of 2020 by Nerdwallet

  • Bankrate Best Online Bank 2020 Radius Bank

    Awarded Best Online Bank of 2020 by Bankrate

Best Cash Back Checking Account 2022

Rewards Checking was voted Best Cash Back Checking Account on Newsweek’s America’s Best Banks list for 2022. Heavy debit card users can get rewarded for their swiping with a checking account that returns a percentage of their purchases, similar to the way a cashback credit card operates. The winner pays interest on top of that, offers unlimited ATM reimbursements and doesn’t charge a monthly maintenance fee or require a minimum balance.

America’s Best Banks of 2022

LendingClub Bank, N.A.

Radius is now LendingClub

On February 1st, 2021, LendingClub Bank N.A. acquired Radius Bank. The acquisition combines the strengths of two digital innovators with complementary businesses and a digital-first, branchless approach to banking. Visit our FAQ page for more information.

Learn More

High-Yield Savings

  • Earn 0.60% APY on balances of $2,500 or more1
  • No monthly service fees
  • No minimum balance requirement after $100 to open
  • Free ATM card available
Get High-Yield Savings

Rewards Checking

  • Earn unlimited 1% cash back on debit card purchases
  • Earn up to 0.15% APY
  • Unlimited automatic ATM fee rebates
  • No monthly maintenance fee
  • No minimum balance requirement after $100 to open
Get Rewards Checking
Small Business Owner

Tailored Checking

  • Earn unlimited 1% cash back on debit card purchases
  • Earn up to 0.10% APY
  • Unlimited automatic ATM fee rebates
  • No monthly maintenance fee for balances over $5,000
  • No minimum balance requirement after $100 to open
Get Tailored Checking

Leave us a review!

Have something to say? We want to hear it! Visit our review page to share your opinion on LendingClub, our Customer Service, or any of our products or services.

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.


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

Financial Institution

FDIC Insurance

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

Customer Support

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