LendingClub review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For savers who value flexibility, LendingClub centres on easy-access savings that can be managed through online banking and mobile apps on iOS and Android. Savers who prefer managing money digitally should check account conditions and everyday access options before choosing this style of product.
Key facts
- Best for
- Savers wanting flexible online and mobile access
- Access terms
- Online banking plus iOS and Android mobile apps; free ATM fee reimbursements worldwide↗
- Account kind
- Easy access↗
- Legal entity
- Happen Bank, National Association↗
- Headquarters
- United States↗
- Founded
- 2006↗
- Official website
- lendingclub.com
Facts checked September 26, 2026, 1 source
Pros
Pros
- Easy-access design keeps savings reachable for changing household plans
- Online banking alongside iOS and Android apps supports management across devices
Ready to try LendingClub?
Who it suits
- Savers who want flexible access with digital management
- Households comfortable managing savings through apps and browsers
How LendingClub compares
Where LendingClub is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What kind of savings product does LendingClub offer?+
LendingClub offers an easy-access savings option that keeps funds reachable for short term planning and changing needs. This structure suits savers who prefer flexibility over locking funds away for extended periods. Check conditions to confirm the account matches expectations.
How can savers access and manage the account?+
Savers can manage the account through online banking on a browser and through mobile apps for iOS and Android. This combination allows balances and activity to be reviewed at home or while travelling. Confirm device requirements before relying on either route.
Who might consider this easy-access option?+
The easy-access design may appeal to households building a buffer for upcoming plans or unexpected events. Management through online banking and mobile apps suits people who handle money digitally. Review personal habits and access preferences before deciding.
Which company operates LendingClub?+
LendingClub is operated by Happen Bank, National Association. (Source, checked September 26, 2026)
Where is LendingClub based?+
LendingClub is based in United States. (Source, checked September 26, 2026)
When was LendingClub founded?+
LendingClub was founded in 2006. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/Happen_Bank checked September 26, 2026
Backs: Access terms, Account kind, Founded, Headquarters, Legal entity
“Customers have access to online banking and mobile apps available for iOS and Android devices and offers free ATM reimbursements worldwide”
Compiled from 1 source page, checked October 13, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term, Minimum deposit, Deposit protection.
Related by the facts
LendingClub
Savers wanting flexible online and mobile access