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BUSINESS BANKING

Tailored Checking

The business checking account is tailored for you where you can earn 1% cash back1, enjoy unlimited transactions, and earn a competitive rate of 0.50% APY on the portion of your balance below $100,000.00.2 Bank smarter by opening an account within minutes.

The LendingClub advantage

  • Earn 0.50% APY on the portion of your balance below $100,000.00 and 0.10% APY on the portion of your balance that is $100,000.00 and greater.2

  • Earn unlimited 1% cash back on Qualified Purchases made with your Tailored Checking debit card after meeting eligibility requirements.1

  • No monthly maintenance fee for account balances over $500.3

  • Unlimited automatic ATM fee rebates.4

  • Sync your LendingClub deposit accounts to Mint®, QuickBooks®, or Quicken®.

  • Create and send digital invoices and get paid online with Autobooks.

The LendingClub Advantage
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Bank from anywhere with the LendingClub app

A full-service bank at your fingertips

  • Real-time transaction history

  • Pay bills, transfer funds, and send wires

  • Mobile check deposits

  • Create and send professional digital invoices

  • Accept card payments, ACH payments, and wire transfers

  • Generate reports and reconcile transactions for accounting

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Let’s get started!

Open an account online in minutes

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Mobile money management

Tech for businesses on the go.
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Mobile check deposit
Snap a photo of your check and deposit funds from anywhere in the world.
Learn More
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Electronic statements
Go paperless—view your business statements easier and faster, anytime and anywhere.
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Autobooks
We provide an integrated suite of services, tailored to the unique needs of small businesses, including receivables, payables, payments and accounting.
Learn More

Additional services available

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Business bill pay
Send one-time and recurring electronic payments and checks to companies and individuals.
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Remote deposit capture
Spend less time making deposits and more time earning them.
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ACH origination
Manage your electronic payments online to quickly and efficiently disburse funds to employees or vendors.
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Business checks
Standard business checks available to order.
Frequently asked questions

If you keep a balance of $500 or more there is no monthly maintenance fee for this account. If your account has less than $500 you will be charged a $10 monthly maintenance fee. Wire and ACH fees and limits may apply, depending on the type of transaction. Click here to see the fees.

Interest on your balance is earned on your Tailored Checking account from day one beginning on the day your account is opened. The rate you earn will depend on your account balance. At the end of each month, the interest payment will be deposited into your account.

You must have a Tailored Checking account open for at least 30 days and keep an average balance of $500 or more in your account. Cash back is only available after making Qualified Purchases with your Tailored Checking debit card.2

Tip: When shopping in store, select “credit” instead of “debit” at the point-of-sale where available to ensure you receive the cash back. The cash back you earn will automatically be credited to your account at the end of the month following the earning period.

Yes, you can connect your account to QuickBooks, Quicken, and Mint. For more information visit our Connect to Intuit.

Yes, we integrate with Autobooks. Learn more about accepting payments.

More in Help Center
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Security
Keeping your financial info private and secure is our priority.
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FDIC Insurance
Deposits are FDIC-insured up to the maximum amount allowed—$250,000.
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Customer support
Have a question? We're here to help.
Chat with us online, or reach us by phone or email.

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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
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Accounts subject to approval which may include credit approval. $100 opening deposit required. 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. Tailored 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 an Eligible Account. Eligible Accounts are: Tailored Checking accounts that maintain an average monthly balance of $500.00 for the calendar month in review.

    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.

  2. Annual Percentage Yield (APY) is accurate as of 12/23/2024. Interest is earned at the rate applicable to the portion of the balance that falls within each rate tier. Rate tiers are as follows: 0.50% APY applies to balances between $0.00–$499.99, 0.50% APY applies to the balances between $500.00-$99,999.99, and 0.10% APY applies to balances of $100,000.00 and greater. For accounts with balances greater than $100,000.00, your blended APY can range from 0.50% to 0.10% depending on your total account balance and the portion that falls within each tier. Rates are variable and subject to change at any time, at the sole discretion of the Bank. Fees may reduce earnings.

  3. Monthly Maintenance Fee waived in months where the average monthly balance is at least $500.00. An account will not be overdrawn by the Monthly Maintenance Fee. An account with a balance of less than $10.00 will be assessed the amount available, reducing the balance to zero.

  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 Tailored Checking account using your Tailored 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.

  5. 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.

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,” the “LC” symbol, “TopUp,” and “DebtIQ” are trademarks of LendingClub Bank.

© 2024 LendingClub Bank. All rights reserved.