Logo

How do I get started on Online Banking?

With Online Banking, you can get access to your account 24/7. To enroll, click here.

Enrolling in Online Banking is easy and can be done once you have completed your application.  Click on the enroll link included in the text message we sent out; you will need access to your mobile phone to apply the one-time code before your password is set!

When you’re ready, set up your password, and we will re-verify your information. You will receive confirmation that your enrollment is complete and you are ready to start Online and Mobile banking.

Be sure to download the LendingClub Mobile app to take banking on the go!

LendingClub Resources

Related Articles
Personal loan vs. credit card: How to decide which is right for you
A personal loan and credit card can be important financial tools, but it's important to understand how they each work before deciding which one to use. 
Personal Loan
Dec 18, 2024
8 min read
Personal Loan vs. Credit Card: How to Decide Which Is Right for You
Compound interest vs. simple interest: differences & how to calculate
Simple interest is calculated only on the principal amount, while compound interest is calculated on the principal plus any accumulated interest. Due to the interest-on-interest effect, compound interest grows faster over time.
Personal Loan
Dec 17, 2024
5 min read
compound-interest-vs-simple-interest
What Is debt-to-income ratio? (+ how to improve it)
Debt-to-income ratio measures your monthly debt payments against your income. Improve it by paying down debts, increasing income, or avoiding new debt.
Personal Loan
Dec 16, 2024
6 min read
What Is Debt-to-Income Ratio? (+ How to Improve It)
What to do if you’re declined a personal loan
Someone might be declined a personal loan due to poor credit score, high debt-to-income ratio, or insufficient income. Next steps include improving credit, reducing debt, or applying with a co-signer. Consider checking your credit report for errors and exploring other lenders.
Personal Loan
Dec 15, 2024
9 min read
what-to-do-if-declined-hero
How to take out a personal loan [6 steps]
Need to fill gaps in your budget, cover a large expense, or pay down high-interest debt at a lower cost? Understanding how to take out a personal loan is the first step to securing the funds you need to cover temporary, short-term expenses.
Personal Loan
Dec 14, 2024
6 min read
HowToLoan-Header
Related Impact
Members Earn More Cash Back and Rewards With Stackit
From groceries and diapers to Halloween costumes for pets, nearly 60% of American consumers prefer to shop online for everyday items that make life more convenient, comfortable, and enjoyable. And with rising prices showing no signs of stopping anytime soon, we’re pleased to introduce StackitTM from LendingClub Bank—a new browser extension that automatically finds and rewards eligible members with coupons and cash back for extra savings at more than 15,000 favorite online retailers.
Company News
Nov 13, 2022
2 min read
blog header stackit 765x430 v1-1
LendingClub Rewards Checking Nationally Certified as Trusted, Affordable
Even in today’s low-yield, high-inflation environment, it’s essential to keep a certain amount of money in an easy-to-access checking or savings account for things like daily household and emergency expenses, or to meet short-term financial goals.
Company News
Oct 2, 2022
5 min read
LendingClub Rewards Checking Nationally Certified as Trusted, Afforda
LendingClub Surpasses 4 Million Members
Since 2007, LendingClub has been on a mission to deliver a world-class experience to all our members. This month we took a moment to reflect on the more than four million members who have chosen LendingClub as their partner to help them reach their financial goals.
Company News
Apr 19, 2022
2 min read
Illustration of large number 4 and letter M made up of colorful, tiny illustrations of ethnically diverse people
LendingClub Celebrates One Year as a Digital Marketplace Bank
In March 2022, we hosted our first quarterly webinar where we celebrated our one-year anniversary as a digital marketplace bank. 
Company News
Mar 6, 2022
less than a minute read
Blog-post
Changes to Our Business Model
LendingClub completed the acquisition of Radius Bank in February 2021. At that time, in addition to the direct-to-consumer deposit business, we inherited a fintech partner program, and several lending businesses. As we reach the one-year anniversary of the acquisition, and in conjunction with the conclusion of a strategic review of our business operations, we have made the decision to discontinue certain businesses that don’t fit our mission.  
Company News
Jan 2, 2022
2 min read
Man in blue button up shirt and glasses smiling
Related FAQ's
What do I need to start a business account application?
This account can only be applied online and takes only 7 minutes. To open an account, you must be 18 or older and a citizen or resident of the United States.
Small Business FAQ
Dec 31, 1969
less than a minute read
How do I add a beneficiary to my business account?
You can add beneficiaries by reaching out to Customer Service at 800-242-0272 or using Secure Message within Online or Mobile Banking.
Small Business FAQ
Dec 31, 1969
less than a minute read
How do I get a debit/ATM card?
If requested during account opening, your debit/ATM card should arrive within 7-10 business days after your application is approved.
Small Business FAQ
Dec 31, 1969
less than a minute read
When will my funds be available to use after I open my business checking account?
Your initial deposit for opening your account will be held for 5 days in order to validate your account.
Small Business FAQ
Dec 31, 1969
less than a minute read
What is the minimum amount required to open a business checking account?
To complete the account opening process, a $100 minimum opening deposit is required for Tailored Checking.
Small Business FAQ
Dec 31, 1969
less than a minute read
Related Glossary
Revolving Credit
{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.
R Letter Term
Sep 6, 2023
4 min read
Annual Percentage Rate (APR)
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
A Letter Term
Mar 21, 2023
3 min read
Accrued Interest
{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment. 
A Letter Term
Mar 21, 2023
4 min read
Charge-Off
A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.
C Letter Term
Feb 7, 2023
3 min read
Fixed Interest Rate
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
F Letter Term
Feb 4, 2023
3 min read

WHAT WE OFFER

Personal LoansPersonal BankingAuto RefinancingPatient SolutionsBusiness LoansBusiness BankingCommercial BankingInstitutional InvestingLC NotesOther Types of LoansApply for a Personal 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 InMobile AppHelpYour Privacy ChoicesYour Privacy Choices

Powered by the LCTM platform

LC Logo
Apple App Store IconGoogle Play Store Icon
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

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.