INSTITUTIONAL BANKING

FREE BANKING ANALYSIS

Receive a free review of your existing banking relationship.

It’s our goal to ensure you are getting the correct services at a fair price.

As part of the review, we evaluate your banking needs and provide you with our analysis and recommendations to help you make your organization more efficient and help you mitigate risk.
Case Study #1
A large corporate client with average deposits of $20 million saved over $110,000 and maintained all existing services.
Case Study #2
A midsize corporate client with average deposits of $1.5 million saved over $9,000 and expanded services.
Case Study #3
A small business client with average deposits of less than $1 million saved over $3,800 and maintained all existing services.

Free Banking Analysis

Reduce your operational costs! It’s our goal to ensure you are getting the correct services at a fair price. We’ll review your existing banking relationship for free.

Client analysis case studies

See real savings from case studies with real clients.
Case Study #1

Client Type

  • Large Corporate Client

Average Deposits

  • $20 million
Analysis Findings
  • Paying high banking fees
  • Earning low interest rates
  • Excess of cash in a non-interest-bearing checking account to cover high fees with balance credit
Proposal
  • Maintain needed liquidity and shift some non-interest-bearing balances to higher-yielding money market demand accounts
  • Shift balances from non-interest-bearing checking to our interest-bearing checking account
Results

Annual Financial Benefit

  • >$110,000
  • Maintained all existing services
Case Study #2

Client Type

  • Midsize Corporate Client

Average Deposits

  • $1.5 million
Analysis Findings
  • Paying high banking fees
  • Earning low interest rates
  • Excess of cash in a non-interest-bearing checking account to cover high fees with balance credits
Proposal
  • Shift balances from non-interest-bearing accounts to our interest-bearing money market and checking accounts
Results

Annual Financial Benefit

  • >$9,000
  • Expanded existing services to improve fraud prevention
Case Study #3

Client Type

  • Small Business Client

Average Deposits

  • <$1 million
Analysis Findings
  • Paying high banking fees
  • Earning low interest rates
  • Excess of cash in a non-interest-bearing checking account to cover high fees with balance credits
Proposal
  • Align cash to the right products based on client liquidity needs, services and transaction volumes
  • Shift some balances to our higher-yielding money market and checking accounts
Results

Annual Financial Benefit

  • >$3,800
  • Maintained all existing services

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FDIC Insurance
Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000 per depositor for each ownership category.
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Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, term length, and making payments as agreed. 

Reducing debt and maintaining low credit balances may contribute to an improvement in credit score, but results are not guaranteed. Individual results vary based on multiple factors, including but not limited to payment history and credit utilization.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $19,584 for a term of 36 months, with an interest rate of 10.29% and a 6.00% origination fee of $1,190 for an APR of 14.60%. In this example, the borrower will receive $18,663 and will make 36 monthly payments of $643. Loan amounts range from $1,000 to $40,000 and loan term lengths range from 24 months to 60 months. Some amounts, rates, and term lengths may be unavailable in certain states.

For Personal Loans, APR ranges from 9.57% to 35.99% and origination fee ranges from 3.00% to 8.00% of the loan amount. APRs and origination fees are determined at the time of application. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of July 11, 2024 and are subject to change without notice.

Checking a rate through us generates a soft credit inquiry on a person’s credit report, which is visible only to that person. A hard credit inquiry, which is visible to that person and others, and which may affect that person’s credit score, only appears on the person’s credit report if and when a loan is issued to the person. Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history. 

Any reviews presented are individual experiences and results may vary. Reviews collected and authenticated by Bazaarvoice. All reviews can be accessed at https://www.lendingclub.com/company/reviews

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

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