Last Updated:
LendingClub LevelUp Review 2026
Quick Summary
Rating
4.5/5 ⭐
Savings APY
Up to 4.00%
Checking APY
1.00%
Monthly Fee
$0
Best for: Users seeking a bundled high‑yield savings and rewards checking account
What is LendingClub LevelUp?
LendingClub LevelUp is a full-service online bank offering competitive rates and modern banking features.
✓ Pros
- Earn up to 4.00% APY on savings with a $250 monthly deposit
- Interest‑bearing checking with 1.00% APY on balances over $2,500
- Unlimited ATM fee rebates and early direct deposit
- Cash‑back rewards on debit purchases and LendingClub loan payments
✗ Cons
- Lower savings rate (3.00% APY) if you don’t meet monthly deposit requirement
- Checking APY applies only to balances above $2,500
- Online‑only with no physical branches
Account Details
| Savings APY | Up to 4.00% |
| Checking APY | 1.00% |
| Min Deposit | $0 |
| Monthly Fee | $0 |
| ATM Access | Unlimited ATM fee rebates worldwide |
| Mobile App | Good |
| FDIC Insured | Yes |
Who Should Choose LendingClub LevelUp?
Best for: Users seeking a bundled high‑yield savings and rewards checking account
Ready to Join LendingClub LevelUp?
Open LendingClub LevelUp Account →We may earn a commission (at no cost to you)