{"account":{"slug":"lendingclub-levelup-checking","bank":"Happen Bank (formerly LendingClub)","name":"LevelUp Checking (successor to Rewards Checking)"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.happen.com/personal-banking/checking/levelup-checking","history":[{"date":"2026-06-11","apy":"1.00% on balances of $2,500+; nothing below $2,500","monthlyFee":"$0","minimumOpen":"None","atm":"Use any ATM: LendingClub charges nothing and rebates other operators' fees","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"1.00% on balances of $2,500+; nothing below $2,500","monthlyFee":"$0","minimumOpen":"None","atm":"Use any ATM: Happen Bank charges nothing and rebates other operators' fees (excluding international fees) each statement cycle","note":"LendingClub Bank rebranded Happen Bank, N.A.; old URL 301-redirects to happen.com. Reconfirmed 1.00% APY at $2,500+ (as of 10/09/2026), no fees or opening deposit, unlimited ATM rebates and 2% back on loan payments; debit cash back now requires a monthly direct deposit","sourceUrl":"https://www.happen.com/personal-banking/checking/levelup-checking","sourceLabel":"Happen Bank LevelUp Checking page"}],"verificationEvents":[{"id":"913392ec-d725-4dc6-84d2-c6195b984ef2","entityType":"bank-account","slug":"lendingclub-levelup-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:19.543Z","sourceUrl":"https://www.happen.com/personal-banking/checking/levelup-checking","sourceLabel":"Happen Bank LevelUp Checking page","outcome":"changed","summary":"LendingClub Bank rebranded Happen Bank, N.A.; 1.00% at $2,500+, no fees, unlimited ATM rebates and 2% on loan payments confirmed; debit cash back now needs a monthly direct deposit","changedFields":["bank","fdic","features","atm","pros","cons","ourTake","url"],"facts":{"apy":"1.00% at $2,500+","monthlyFee":"$0","minimumOpen":"None","bank":"Happen Bank, N.A."},"previousHash":"5f1b69c6c82a8b5d028d88071e050d2a7571477eb838560ce5d6c8aa97c1dc0e","recordHash":"9b86ccdda747ff485a1d813788c96f7954d049b6fe85a6f04645fde0f8fc08c1"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}