The best online bank of 2020 is now even better. Radius has joined America’s largest personal loan company to offer our members access to fair credit, competitive rates, and the financial tools to help you get out of debt and make the most of your money.
Earn unlimited 1.00% cash back on online & in-store signature-based (“credit”) purchases made with a Radius debit card and paid from a Rewards or Champion Checking account.1, 2
Just select “credit” instead of “debit” at the point-of-sale where available.
Earn $50 for Referring Your Friends & Family (Rewards Checking customers only)
Give your friends and family the gift of better banking and refer them to Radius today—you’ll both earn $50!3
Current Radius account holders and their friends can each get $50.00 for each new valid Rewards Checking account. In order to qualify, your referred friend(s) must have an open, active account in good standing with at least $500.00 in deposit balance on the 60th day after opening the account.
Radius has worked with partners to bring you the best financial products available. Whether you are looking to save towards financial goals, gain peace of mind with insurance, or save money on your next trip, Radius’ Marketplace has the products to maximize your banking experience.
Receive a surprise gift each time you get upgraded
You will have the option to select a free gift from our Radius Store, tailored exclusively to each status upgrade. From tumblers to apparel, we have a wide selection of Radius gear for you to choose from. Each status is established by the length of your account and your relationship balance.
When you sign up for direct deposit, you can receive your paycheck or other income up to two days early.4 We have a form that you can complete and submit to your employer. Direct Deposit Form
Free ATM Rebates
Get unlimited monthly reimbursements
With a Rewards and Champion Checking account, you can start saving money by avoiding out-of-network ATM fees and receiving reimbursements that are automatically deposited into your account at the end of the month.5
Our Customer Service team is available Monday-Friday 8:30 –11:59 PM ET and Saturday and Sunday from 8 AM–8 PM ET. They can be reached by sending a secure message via Online Banking, live chat, or by calling 800.242.0272.
If you are an Elite or Reserve status member, you can receive up to two domestic wires a year for free. Once the wire fee is charged, an automatic refund will be posted directly into your account the month after the fee is charged.6
As a reminder, you are notified of your status upgrade by email should you meet the length of time as a client and balance requirements.
“I like having all fees resulting from ATM use reimbursed to me, no matter how often or how little I use ATMs. I also like it that there is no cap on how much these reimbursements can amount to.”
Andres G.
“This representative was extremely kind, courteous, helpful, and knowledgeable. She was successfully able to resolve my issue quickly, and was very kind and attentive during the process. This representative sets a great example of what excellent customer service is.”
Joseph S.
Best banking experience I ever had hands down
Laura H.
The unbelievably kind and helpful customer service team is one of the main reasons I bank with Radius
Michael F.
Digital banking, made human.
At Radius, we put our customers at the center of everything we do. That’s why we focus on providing products and services that are not only convenient but help to make life easier.
Security
We use 256-bit encryption to ensure that data is protected with the highest level of security.
FDIC Insurance
Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000.
Customer Support
Have a question? We’re here to help. Chat with us online, or reach us by phone or email.
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.
The Debit Card Rewards Program (Cash Back Rewards) will provide 1.00% cash-back on all Qualified Purchases made by eligible Champion Checking account holders who keep an average balance of $2,500 or greater within the calendar month in their Champion Checking Account or receive total deposits of $2,500 or more in their Champion 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 Champion 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.
By participating in this Refer a Friend Program, each Party will be aware the other has opened, or intends to open a LendingClub Bank, N. A. (“LendingClub Bank”) account, and hereby waives any privacy rights with regards to this awareness. Current LendingClub Bank account holders and their friends can each receive $50.00 for each new valid Rewards Checking account referral via the Refer a Friend program (up to 12 referrals per calendar year). You may earn $50.00 for each referral up to the stated maximum; however, please note that if you take advantage of multiple opportunities within one calendar year, the maximum amount that can be awarded from all referral offers is $600.00.To get the $50.00 reward, your friend must: a) be a new customer to LendingClub Bank and, b) open a Rewards Checking account using a valid promo code. Your referred friend(s) must have an open, active account in good standing with at least a monthly deposit balance average of $500.00 on the 60th day after opening the account. Good standing means there have been: No NSF (non-sufficient funds) items, returns, locks or freezes during the preceding months of your referral’s checking account being opened. Clients that refer themselves or are a joint owner on are referred account will not be eligible to earn the $50.00 reward. The $50.00 reward will be deposited into both you and your friend’s LendingClub Bank account within 33 days of completion of the requirements. If either party closes their account for any reason prior to the bonus payout each party will forfeit all related rewards. The value of this reward may constitute taxable income to you. You and your referred friend may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such reward. Please consult your tax adviser, as LendingClub Bank does not provide tax advice. LendingClub Bank reserves the right to modify or discontinue this program at any time.
Direct Deposit and earlier availability of funds is subject to payer’s support of the feature and timing of payer’s funding.
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 Champion Checking account using the Radius debit card wherever it is accepted. LendingClub Bank N. A. 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. LendingClub Bank N. A. 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. LendingClub Bank N. A. 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 12/06/2019. 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.
As of 8/14/2020, clients who have been upgraded to ‘Elite’ status are eligible for one outgoing domestic wire refund per year. Clients who have been upgraded to ‘Reserve’ status are eligible for two outgoing domestic wire refunds per year. Other types of wires are not eligible for refunds by this program, including but not limited to international wires, and domestic incoming wires. Wire refunds processed through other means may impact refunds processed by this program. This program may be altered or cancelled at any time.
Business is defined as small business clients who do not have ACH origination, a Desktop Check Scanner, and / or Positive Pay services. Also included in Business are Tailored Checking accounts opened after 11/16/2020.
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