Personal Banking

Advantage Program

You’ve got the advantage! 

We offer you exclusive benefits just for banking with LendingClub.

Our Advantage Program is completely free. You are enrolled automatically, just for being a LendingClub client!

Earn Unlimited 1% Cash Back

  • Earn Cash Back with Rewards or Champion Checking

    Earn unlimited 1.00% cash back on online & in-store signature-based (“credit”) purchases made with a debit card and paid from a Rewards or Champion Checking account.1, 2

    Just select “credit” instead of “debit” at the point-of-sale where available.

Learn More

Increased Deposit & Transfer Limits

  • Increased Limits

    Do more with your account by increasing your daily debit card, external transfer, and mobile deposit limits.

  • How to qualify

    To qualify for larger transaction limits, you must be a client for a certain amount of time and have a specific relationship balance.

Learn More


  • Manage your money and life

    LendingClub has worked with partners to bring you the best financial products available. Whether you are looking to save towards financial goals, gain peace of mind with insurance, or save money on your next trip, our Marketplace has the products to maximize your banking experience. 

Learn More

LendingClub Store

  • Receive a surprise gift each time you get upgraded

    You will have the option to select a free gift from our store, tailored exclusively to each status upgrade. From tumblers to apparel, we have a wide selection of LendingClub gear for you to choose from. Each status is established by the length of your account and your relationship balance.

Learn More

Early Direct Deposit

  • Get paid up to two days early

    When you sign up for direct deposit, you can receive your paycheck or other income up to two days early.4 We have a form that you can complete and submit to your employer. Direct Deposit Form

Free ATM Rebates

  • Get unlimited monthly reimbursements

    With a Rewards and Champion Checking account, you can start saving money by avoiding out-of-network ATM fees and receiving reimbursements that are automatically deposited into your account at the end of the month.5

Learn More

US-Based Customer Service

  • Receive top-tier customer support 

    Our Customer Service team is available Monday-Friday 8:30 AM –12:00 AM ET and Saturday and Sunday from 8 AM–8 PM ET. They can be reached by sending a secure message via Online Banking, live chat, or by calling 800.242.0272

Contact Us

Wire Refund Program

  • Get refunded for your outgoing domestic wires

    If you are an Elite or Reserve status member, you can receive up to two domestic wires a year for free. Once the wire fee is charged, an automatic refund will be posted directly into your account the month after the fee is charged.6

    As a reminder, you are notified of your status upgrade by email should you meet the length of time as a client and balance requirements.

Elite and Reserve Qualifications

Why choose LendingClub?

  • Andres G.
  • Joseph S.
  • Monique R.
  • John 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.

  • The unbelievably kind and helpful customer service team is one of the main reasons I bank with LendingClub.

    Michael F.

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.