Last Updated: 08/31/2026
SuperMoney User Recommendation Score +55
Strongly recommended11 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 09/28/2022)
Rewards
1%
APY (Annual Percentage Yield)
0.1% - 0.15%(Verified 06/21/2024)
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Monthly Maintenance Fee
$0(Verified 01/21/2026)
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Number of Reviews
Happen Personal Checking Account Review
The Happen Personal Checking Account is offered by Happen Bank, a marketplace lending platform founded in 2007 and based in San Francisco, CA. Happen Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- 1% cash back. Happen Personal Checking Account offers rewards on purchases (see terms and conditions here for full details).
- Higher than average APY. Happen Personal Checking Account has an annual percentage yield of up to 0.15%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $2500.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- No ATM fees. Happen Personal Checking Account does not charge fees on ATM transactions.
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Happen Bank mobile or online banking.
- Early direct deposit. You could have access to you paycheck funds faster if you set up a direct deposit to this account.
Happen Checking Account Pros & Cons
| Pros | Cons |
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Happen Checking Account FAQ
Are checking accounts from Happen Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Happen Checking Account offer?
Happen Checking Account currently offers an APY starting at 0.1% and ranging up to 0.15% (APY stands for annual percentage yield; rates may change). However, to earn interest, you must keep an average beginning day balance of at least $2500.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.1% - 0.15% |
What are the account minimums for Happen Checking Account?
Happen Checking Account requires a minimum opening deposit of $100.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $2,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Happen Checking Account charge?
The good news is that this account does not have a monthly service charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What features and perks does Happen Checking Account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Fraud monitoring - Happen Checking Account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Eligible for early pay - If you set up an eligible direct deposit with your employer, you may be able to collect your paycheck up to two days early.
- Mobile banking services - Happen Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - This account allows you to conveniently transact at a nearby ATM.
What is the customer support email for Happen Checking Account?
The customer support email for Happen Checking Account is privacy@lendingclub.com.
How do people rate the customer service and user experience of Happen Checking Account?
Overall, Happen Checking Account is strongly recommended based on community reviews that rate customer service and user experience.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Happen Checking Account
Contact
Headquarters
Hours of Operation
SundayAll DayMondayAll DayTuesdayAll DayWednesdayAll DayThursdayAll DayFridayAll DaySaturdayAll Day
Other Services by Happen Bank
Business Checking Accounts
Rating not yet determined (1 Review)
Business Loans
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Marketplace Investing
5
5 Reviews
Auto Loan Refinancing
Rating not yet determined (1 Review)
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +55, or 4.1 on a 5-point rating scale.
+55
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Happen Personal Checking Account Community Reviews
Would you recommend Happen Personal Checking Account to your friends?
Mohammed M.
Mar 4, 2022
Would not Recommend
Interest rates are too high and they bombard you with spam emails and phone calls right after you show a little interest.
MM
Munib M.
Feb 6, 2022
Would Recommend
Smooth and quick. All my CC debts were paid quickly and the remaining portion of the loan was deposited directly into my account within 2 days. 11.04% interest rate has now replaced the insane 24.98% I was overpaying. They should drop the origination fee though.
CR
China R.
Feb 1, 2022
Would Recommend
After reading through the features and overview, I instantly loved it. The main thing that caught my attention was the early direct deposit. It is so helpful to have access to my checks faster, that way it’s easier to pay bills.
IB
Ibinabo B.
Jan 20, 2022
Would Recommend
Personal Checking Account is just what I needed to boost my confidence in my financial state. They're a mixture of class, prestige and zest.
Celeste D.
Jan 18, 2022
Would Recommend
I am so happy I found LendingClub Personal Checking Account. Being able to use my debit card and not be charged any fees can't be beat. I've been using this account for the last year and it is the best checking account I have had so far.
Muhammad A.
Jan 4, 2022
Would Recommend
This loan, although a slightly higher interest rate, is a preferable option for those who want to pay off debts in a shorter period of time without accruing additional interest. That is what justifies the use of this loan. It's simple to fill out an application and get it approved.
JN
Joel N.
Dec 21, 2021
May or may not recommend
I filled out their personal loan application in the past. I wasn't approved for the loan so have neither a positive nor negative opinion on this company.
MS
Mohammad S.
Dec 21, 2021
Would Recommend
I definitely recommend LendingClub Personal Checking Account to anybody! With zero monthly fee and zero atm fee (even out of network) you are getting a steal. You are also gaining a .1-.15 APY making your money work for you. I highly recommend this for anybody.
DH
Denicki H.
Dec 1, 2021
May or may not recommend
There is no monthly fee, and the APY is very loan, which makes the lending club much easier than most for using as a checking account. On the other hand, there aren't too many ATMS that could be used for them so there are cons and pros.
SB
Shelby B.
Nov 18, 2021
Would Recommend
The costumer service at this bank is wonderful, the employees answered any questions I had when banking with them. There are a few fees but not like other bank accounts that charge 10$ a month just for having the account! Great bank will definitely be recommending to friends and family
ES
Emily S.
Nov 2, 2021
May or may not recommend
It's still a lot to navigate how exactly the LendingClub works. I know a lot of people around me use it because there's no monthly fee or any low balance fees. I had an account with them at one point but found out that other banks had better incentives and easier websites to navigate.
Showing 11 of 11 reviews
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