In comparison, Axos Bank lets you earn up to $2,000 in cash back per month on signature-based debit card transactions, but you'll need to maintain an average daily balance of at least $1,500. The LendingClub Rewards Checking Account allows you to earn 1% cash back on an unlimited number of signature-based purchases, but you'll need to maintain an account balance of $2,500 or more. Axos BankĬhoosing between LendingClub and Axos Bank may depend on which features you prioritize in a rewards checking account. In July 2021, LendingClub Corporation paid $18 million in a settlement with the Federal Trade Commission when accused of deceptive lending practices that charged consumers hidden fees and told them they were approved for a loan even when they weren't. LendingClub Corporation has an A rating from the BBB due to government action that was taken against the business. Something to keep in mind is that a good BBB rating won't guarantee that your interactions with the bank will be great. The Better Business Bureau provides ratings based on how businesses deal with customer complaints and issues. LendingClub Bank trustworthiness and BBB rating LendingClub Bank is FDIC insured, so individual accounts are protected up to $250,000 and joint accounts are secured up to $500,000. The LendingClub mobile app has a 4.4 out of 5 rating on the Apple store and a 3.8 out of 5 rating on the Google Play store.
ET, or Saturday through Sunday from 8 a.m. You can talk to a customer service representative or use live chat Monday through Friday from 8:30 a.m. Through NYCE, SUM, and MoneyPass ATM networks, you can have access to over 325,000 surcharge-free ATMs worldwide.Ĭustomer service is available through FAQs, live chat, email, or phone. LendingClub has one branch located in Boston, Massachusetts. LendingClub is a personal loan provider and online banking institution. However, if you're worried about the standard-to-high early withdrawal penalties, then you may want to open a CD elsewhere. LendingClub offers competitive interest rates. LendingClub CDs range from six months to five years. Interest compounded and deposited monthly.Early withdrawal penalty will depend on the amount deposited and term chosen.Terms for online CDs range from 6 months to 5 years.Online banking institution with 1 branch in Boston, Massachusetts.
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