Wealthy PotHappen Bank (LendingClub) Review (2026)
A top-tier APY with an included ATM card (formerly LendingClub Bank)
By Wealthy Pot · Last updated September 2026
Who Happen Bank (LendingClub) is for
Savers who reliably add money each month and want a top APY plus an ATM card
APY, minimums & fees
Happen Bank (LendingClub) advertises 4.00% APY "LevelUp" rate (needs $250+ in deposits per period; otherwise 3.00%), with a $0 minimum to open and a $0 monthly fee. Minimum balance to earn the top rate: $250 in deposits per period. FDIC-insured (Happen Bank, N.A.). APYs are variable — confirm the current rate on the official site.
The bottom line
A top-tier APY with an included ATM card (formerly LendingClub Bank) Main drawback: the 4.00% rate is conditional on $250+ in deposits each period; drops to 3.00% otherwise.
See how Happen Bank (LendingClub) stacks up in our high-yield savings comparison, or find a banking app in our neobanks comparison.
We summarize hands-on assessment, not user reviews. APYs are variable and re-checked against Happen Bank (LendingClub)'s official page. Some accounts are brokerage cash insured through partner banks rather than traditional bank savings. Some outbound links may be affiliate links — that never affects which accounts we include or how we rate them. Nothing here is financial advice.