[Targeted] Happen Bank (Formerly LendingClub) Level Up $200 Checking Bonus

Update 10/9/26: Another round has gone out.

Ready to take your finances to the next level? For a limited time, we’re offering a $200 bonus when you open a new LevelUp Checking account by October 31 and receive at least two Direct Deposits of $500 or more each by December 31.1

If you have received an email from Happen Bank about earning account opening bonuses, you may be eligible to earn a bonus.Bonuses are only available to the original recipient of the email directly from Happen Bank.Other customers who are not direct recipients of the email communication from Happen Bank, whether new or existing, are not eligible for this offer.To be eligible to receive a $200 bonus, you must: 1) open a Happen Bank LevelUp Checking account by October 31, 2026 and 2) meet the qualifying Direct Deposit requirement by December 31, 2026.

To meet the qualifying Direct Deposit requirement, make two separate Direct Deposits of at least $500 each into the LevelUp Checking account, which must post to your account by December 31, 2026.Direct Deposits are defined as: Recurring Automated Clearing House (ACH) credits, including payroll, pension or government payments (such as Social Security) made by your employer or an outside agency. Direct Deposits do not include peer to peer payments, transfers from one account to another, cash advances, ATM deposits, or wire transfers.If eligibility requirements are met, your bonus will be deposited in your LevelUp Checking account by January 31, 2027.Your account must be open with a balance of at least $0.01 at the time of bonus posting in order to receive the bonus. We may report the value of the bonus to the IRS as required by law.

Limit to one bonus per customer.

Hat tip to reader Raymond

Offer at a glance

The Offer

No direct link to offer, sent out via e-mail.Subject line is ‘An exclusive $200 bonus just for you’

Lending Club is offering some users a bonus of $200 when they open a new LevelUp checking account and complete the following requirements:

receive two direct deposits of $500 by December 31, 2026

The Fine Print

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF or not.

Our Verdict

Shame that this isn’t publicly available as it’s a very easy bonus to meet the requirements for.If it was then it would definitely be added to the best checking promos page.

Useful posts regarding bank bonuses:

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.