Personal Banking

Checking Accounts

Apply online for a free checking account today and start earning 1% cash back on everyday purchases.

Apply Online

  • Rewards Checking1

    Get a free checking account that rewards you for keeping a high balance.2

    • – Earn 0.15% APY on balances of $100,000 & up
    • – Earn 0.10% APY on balances of $2,500–$99,999.99
    Learn More
  • How We Measure Up

    Compare LendingClub to other banks side by side.

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  • 1% Cash Back1

    Get rewarded for everyday purchases and earn 1.00% cash back with Rewards Checking every time you use your debit card.

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  • Calendar with Dollar Sign

    Get Paid Up to 2 Days Early

    Set up direct deposit into your LendingClub 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.3

  • Free ATMs

    Unlimited ATM Fee Rebates

    It’s your money—you shouldn’t have to pay to use it. Charged a fee by another bank? Don’t worry! Rewards Checking receives unlimited rebates for any ATM fees you’re charged.4

    Learn More

Apply Online

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

Apply Now

Awards & Recognition

  • 2022 Best Cash Back Checking Account Newsweek Award

  • Nerdwallet's 2021 Best Bank or Credit Union for Online Experience

    2021 Best Bank or Credit Union for Online Experience NerdWallet Award

  • C | Net Logo

    2021 Best Overall Checking Account CNET Award

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

Why choose LendingClub?

  • Smiling Customer Angela
  • Andres G.
  • Joseph S.
  • Monique R.
  • I get excited when I receive my monthly benefits email. I love seeing how much I have earned and saved this year by banking with LendingClub.

    Kathleen M.

  • “I like having all fees resulting from ATM use reimbursed to me, no matter how often or how little I use ATMs. I also like it that there is no cap on how much these reimbursements can amount to.”

    Andres G.

  • “This representative was extremely kind, courteous, helpful, and knowledgeable. She was successfully able to resolve my issue quickly, and was very kind and attentive during the process. This representative sets a great example of what excellent customer service is.”

    Joseph S.

  • Best banking experience I ever had hands down

    Laura H.


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

Online & Mobile Banking

Manage your accounts from anywhere with unlimited access – 24 hours a day, 7 days a week.

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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.