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Open an account online in under 3 minutes
with as little as $100!

Apply Online

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Ready to Apply?

Open your account completely online in 3 minutes or less

3 minutes of your time

You'll need:

$100 or more to open

Fund via debit card, prepaid card, or transfer from your existing bank account

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Computer or mobile device

You can apply from anywhere, at any time

*required to submit

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and we'll reach out to you later!

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EARN UNLIMITED

with Rewards Checking

Radius Debit Card
Member FDIC

Up to 1.5% Cash Back1

Interest2

ATM Fee Rebates3

Plus, No Monthly or Hidden Fees

EARN UNLIMITED

Up to 1.5% Cash Back1

Interest2

ATM Fee Rebates3

Plus, No Monthly or Hidden Fees

with Rewards Checking

Radius Mobile App
Open Online Now
Security

Security

We use 256-bit encryption to ensure that data is protected with the highest level of security.

FDIC Insurance

FDIC Insurance

Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000.

Have a question? We're here to help. Chat with us online, or reach us by phone or email.

Customer Support

Customer Support
Open Online Now

Open an account online in under 3 minutes
with as little as $100!

Apply Online


Up to 1.5% Cash Back (with no caps)


Free ATMs worldwide and
unlimited rebates

Radius (Now LendingClub)

Check = Yes
Check = Yes
Check = Yes
Check = Yes

Earn 0.10% – 0.15% APY


Free unlimited external transfers


Up to 1.5% Cash Back (with no caps)


Earn 0.10% – 0.15% APY


Free unlimited external transfers


Voted Best Online Bank of 2020 by
Bankrate for our mobile banking app, unlimited ATM fee rebates, interest earning potential, and cash back offering

Check = Yes

Other rewards programs limit the
amount you can earn in a month


The national average interest bearing
checking account earns 0.04% APY5


Most banks charge a fee for using
out-of-network ATMs

Other Banks

X = No mark
X = No mark
X = No mark
X = No mark

Other banks charge a fee and have
limitations for external transfers


Might offer ATM fee rebates, interest,
or cash back, but not all three

X = No mark

Might offer ATM fee rebates, interest,
or cash back, but not all three

Why Switch to Radius?

Radius Debit Card
Nerdwallet
The Hustle
Forbes
The Penny Hoarder
Inverse
Morning Brew
Radius Mobile App
Nerdwallet
The Hustle
Morning Brew
Inverse
Forbes
The Penny Hoarder
Free ATMs
Direct deposit
1% Cash Back

Early Direct Deposit

Set up direct deposit into your Radius account and you're eligible to receive your money up to 2 days early.4

Interest-Earning

Unlimited Cash Back

Get up to 1.5% cash back on online and signature-based "credit" transactions made with a Radius debit card.1

Earn High Interest

Free ATMs Worldwide

We won't charge a fee, and we rebate ATM fees charged by other banks, worldwide. Get unlimited ATM fee rebates and save over $300 this year!3

Unlimited Cash Back

Get up to 1.5% cash back on online and signature-based "credit" transactions made with a Radius debit card.1

Interest-Earning

Earn more than the national average. Earn 0.10% APY on balances of $2,500-$99,999.99. Earn 0.15% APY on balances of $100,000 & up.4

Early Direct Deposit

Set up direct deposit into your Radius account and you're eligible to receive your money up to 2 days early.3

Free ATMs Worldwide

We won't charge a fee, and we rebate ATM fees charged by other banks, worldwide. Get unlimited ATM fee rebates and save over $300 this year!2

Earn more than the national average. Earn 0.10% APY on balances of $2,500–$99,999.99. Earn 0.15% APY on balances of $100,000 & up.2

Our US-based Customer Service is available by your channel of choice: chat, phone or email.

Customer Support

FDIC Insurance

Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000 per depositor.

Customer Service
Insured by the FDIC

Customer Support

Our US-based Customer Service is available  by your channel of choice: chat, phone or email.

FDIC Insurance

Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000 per depositor.

Testimonials

Why it pays to be a Radius customer:

In 2020, the average customer has received

52

$

in benefits like cash back, interest, and ATM fee rebates.*

per month

Here's what our customers are saying:

Deposit checks

View real-time transactions

Pay bills and transfer funds

Manage your budget and track spending

Improve your financial health with our marketplace partners

Available for iOS and AndroidTM

Bank from Anywhere with Radius Mobile

A full-service bank at your fingertips5

Radius Mobile App

Bank from Anywhere with Radius Mobile

A full-service bank at your fingertips5

Available for iOS and AndroidTM

Deposit checks

View real-time transactions

Pay bills and transfer funds

Manage your budget and track spending

Improve your financial health with our marketplace partners

Radius is now a part of LendingClub. All banking products provided by LendingClub Bank, N.A.
Copyright © 2021 LendingClub Bank, N.A. All Rights Reserved. Member FDIC. Equal Housing Lender.

Equal Housing Lender - Member FDIC

Use your Rewards Checking debit card in these categories and earn 1.5% cash back:

Health:
Athletic stores and memberships, medical services, health care

Dining Out:
Whether in-person, delivery or takeout

Subscription Services:
Recurring transactions for your streaming entertainment services

Earn 1% cash back on all other purchases.

How to Earn Cash Back

Radius debit card

How to Earn Cash Back

Use your Rewards Checking debit card in these categories and earn 1.5% cash back:

Health:
Athletic stores and memberships, medical services, health care

Dining Out:
Whether in-person, delivery or takeout

Subscription Services:
Recurring transactions for your streaming entertainment services

Earn 1% cash back on all other purchases.

Radius (Now LendingClub)
Radius (Now LendingClub)
Nerdwallet Best-Of Awards 2021: Best Bank or Credit Union for Online Experience

Customer Service

I have already told everyone I know how blown away I am with Radius' customer service. They are the most responsive, friendly, knowledgable and helpful bank I have ever worked with.

Testimonials

 Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after $100.00 to open the account. [1] The Debit Card Rewards Program (Cash Back Rewards) will provide 1.00% cash-back on all Qualified Purchases made by eligible Rewards Checking account holders if the account holder does any of the following; meet the requirements, is grandfathered in, or keeps an average balance of $2,500 or greater within the calendar month in their Rewards Checking Account, or receives total deposits of $2,500 or more in their Rewards Checking account via qualifying Direct Deposit within the month. Qualifying Direct Deposits are Automated Clearing House (ACH) credits, which may include payroll, pension or government payments (such as Social Security) by your employer, or an outside agency. LendingClub Bank N. A. may require documentation to verify that credits are Qualifying Direct Deposits. The value of this reward may constitute taxable income to you. You may be issued an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax adviser, as LendingClub Bank N. A. does not provide tax advice. Qualified Purchases include signature-based purchases made with a Radius Bank Debit Card tied to a Rewards Checking account enrolled in the Debit Card Rewards program. These are “credit” purchases that can be made in stores and online. To make a signature-based purchase, select “credit” rather than debit at point-of-sale kiosks. The “credit” option is most often pre-selected when making purchases online using a debit card. Online subscription payments may not be considered signature-based purchases. The payment transaction type (signature-based or other) is ultimately decided by the merchant and how the transaction is transmitted to LendingClub Bank N. A. at the time of processing. We reserve the right to determine if a transaction was a Qualified Purchase, and to establish additional types of Qualified Purchases that could be made available in a variety of ways. Any goods or services purchased with the Radius Bank Debit Card that are returned or otherwise credited to your Account are not qualified purchases. Unlawful purchases and purchases of currency, cash or cash equivalents (including, without limitation, currency from the U.S. Mint, Travelers Cheques, gift cards, Cryptocurrency, Casino Chips, Peer to Peer Payments, prepaid debit cards, account openings, loan payments, or other cash equivalents) made with your Radius Bank Debit Card are not Qualified Purchases. We may require you to provide documentation to validate that certain purchases are Qualified Purchases. LendingClub Bank N. A. reserves the right to modify or discontinue this program at any time. Your enrolled account must remain open, active, and in good standing to participate in the program, meaning: No NSF (non-sufficient funds) items during the preceding twelve calendar months in your checking account (regardless of the type of checking account). An eFunds check must show no negative history in the preceding twelve months and all monthly servicing fees must have been paid in full for the 12 preceding months. LendingClub Bank N. A. reserves the right to modify the description of “good standing” at any time. If you or the Bank closes your account for any reason before the end of the statement cycle, you will forfeit all rewards accrued through your linked Debit Card during that statement cycle. For a limited time, an additional 0.50% bonus on transactions made in certain merchant categories will apply. Transactions must be within the following dates to qualify for a bonus: February 1, 2021 to June 30, 2021. Only specified categories will receive a bonus. Program qualifications and or categories receiving a bonus can be changed at any time. Categories receiving the bonus are: Sporting And Recreational Camps, Sports Apparel Riding Apparel Stores, Membership Organizations (Not Elsewhere Classified), Membership Clubs (Sports Recreation Athletic) Country Clubs And Private Golf Courses, Sporting Goods Stores, Health And Beauty Shops, Medical And Dental Laboratories, Bicycle Shops Sales And Service, Medical Services And Health Practitioners (Not Elsewhere Classified), Cable And Other Pay Television (Previously Cable Services), Record Shops, Video Game Arcades/Establishments, Eating Places And Restaurants, Fast Food Restaurants, Drinking Places (Alcoholic Beverages) Bars Taverns Cocktail Lounges Nightclubs And Discotheques. These categories are determined by the merchant, not by LendingClub Bank. All additional requirements of the Debit Card Rewards program apply.  [2] Rewards Checking is a free checking account with no monthly maintenance fee and no minimum balance requirement after $100.00 to open the account. Annual Percentage Yield (APY) accurate as of 2/01/2021. Minimum amount to open account is $100.00. Rate tiers are as follows: 0.00% APY applies to balances of $0.01–$2,499.99, 0.10% APY applies to the entire balance on balances of $2,500.00-$99,999.99, and 0.15% APY applies to the entire balance of $100,000.00 or more. Rates may change after account is opened. Fees may reduce earnings.  [3] Get unlimited automatic ATM surcharge rebates for ATM fees other banks charge you. ATM surcharge rebates apply to cash withdrawals from a Rewards Checking or Superhero Checking account using the Radius debit card wherever it is accepted. Radius Bank does not charge a fee for using another bank’s ATM. ATM fees will be rebated at the end of each statement cycle. Excludes international exchange fees. Radius Bank makes its best effort to identify those ATM fees eligible for rebate. In the event that you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. Radius Bank reserves the right to modify or discontinue the ATM surcharge rebate program at any time. Out-of-network ATM fees cost $4.69 on average. Source: CNBC as of 9/04/2019. If someone were to use an out-of-network ATM 6 times per month at an average fee of $4.69 per withdrawal, they would spend $337.68 in ATM fees in 12 months. [4] Direct Deposit and earlier availability of funds is subject to payer's support of the feature and timing of payer's funding.   [5] Standard data and message rates may apply for all Mobile Banking services, including the Radius Mobile and Radius Card apps. Radius Mobile and Radius Card are available for free on Android and iOS mobile devices and are only available to Radius Bank personal account holders.  [6] National average source: FDIC as of 2/01/2021.
*This calculation is the average amount of rewards recieved by current Rewards Checking clients. The data is calculated by the Radius data science team annually. The monthly calculation of benefits earned includes atm fee rebates, cash back, and interest earned for Rewards Checking accounts that qualify for the Advantage program. 

Radius vs. Other Banks

FOR THE FIRST TIME EVER - I'M COMPLETELY SATISFIED WITH MY BANK - I'VE BEEN BANKING FOR OVER 50 YEARS.

Rewards

My friends ask about my cash back debit card all the time. I love how it helps me control my spending while still offering “credit-card like rewards.”

Mobile App

Very powerful Mobile app, features, can perform all the transactions without using laptop.