LendingClub: Banking and More 4+

This is a decent app as LendingClub is comparatively new to the online banking space, having transitioned from its former P2P loan format. I enjoy the decent interest rates currently on offer, and the app does most of the basics of what an online banking app should do. That said, a bit of work is needed to bring this app up to par with those of other banks. It takes a while for transfers and online check deposits to appear in the app, even as pending transactions. That can be troublesome especially if you’re relying on the app to give you an accurate and up-to-date picture of your account activity so you can budget expenses.

My hope is that we’ll see improvements in the future and I look forward to what this app could one day be!

I submitted the required paperwork to add my husband to my account so that we can deposit checks that are made out to both of us, but two months have passed and they haven’t added him. No one can help us. When you call customer service, they tell you they’ll escalate the case. Well, that doesn’t do anything. The case has been escalated numerous times. This should be a quick fix!!! Lending Club, just freaking DO IT. All you need to do is your job. Hire something to take care of this!! We’re missing out on interest on like $3000 because I can’t deposit these checks!! Also, they don’t give you any other way to deposit checks that are made out to both you and your husband — he can’t sign it over to me. Also, they won’t let you deposit money orders except to mail them in. I’m sorry but I’d NEVER trust this bank with a mailed-in money order. Who knows when or if they’ll deposit it? I think this bank might be going under. I don’t know. I really need them to do their job. I really don’t know what to do at this point. Now I’m finding out that they also won’t close your account!!! It goes to the same place where no one works as adding your husband’s name to an account goes, which means it will never get done. Extremely worrying. Don’t go with this bank. Not reliable, not trustworthy.

I had a checking account with Aspiration Bank and loved it. They had a great app and I never had a problem with it or the bank. Aspiration used Radius Bank for their bank routing services and when the two companies parted ways my account was retained by Radius bank as part of their contract with Aspiration to keep the highest amount accounts. They increased the APY on my checking account a little bit so that was nice but their mobile app was complete garbage and barely usable. After a few months they updated their app with a refreshed UI. Their new (current) app is just okay. I have Face ID enabled on the app and every few weeks the app logs me out of my account and I have to enter my password and re-enable Face ID. The UI for the app is basic and not all that nice to use. It’s not bad but it’s not good either. The color scheme of the app is light green, dark green, black, white, and gray. It looks dingy and does not flow together. Also if you deposit a check on Friday don’t expect to get that money in your account until Monday or Tuesday as they don’t seem to process check on the weekends. Overall my banking experience has just been okay. The only thing keeping me with them is the high APY on my checking account. If they made a pleasant to look at and use app I’d be much happier.