Checking Accounts FAQ

Introducing LevelUp Checking

• How do I earn 2% Loan Payment Cash Back with a LevelUp Checking account?

• How do I earn 1% Debit Card Cash Back with a LevelUp Checking account?

• How do Debit Card Cash Back rewards work?

• When will I see my Debit Card rewards?

• Where do I track my Debit Card Cash Back rewards?

• Is there a limit to how much you can earn through our Debit Card Cash Back program each year?

• What’s an MCC?

• What MCC codes are eligible for Debit Card Rewards?

• Which loans are considered personal loans for Loan Payment Cash Back?

• How do Loan Payment Rewards work?

• Do I earn more cash back if I pay more than the amount due?

• Do I earn any cash back if I pay part of my monthly payment amount?

• I'm not a Happen Bank member. How can I open an account?

• Do LevelUp Checking Rewards get deposited directly into my LevelUp Checking account?

Application

• How can I open a LevelUp Checking account?
• What is the minimum amount required to open a checking account?
• How do I fund my checking account?
• When will my funds be available to use after I open my account?
• Does my deposit application affect my credit score?
• How do I get a debit or ATM card?
• How do I order checks for my LevelUp Checking account?
• How do I set up my online account?
• New LevelUp Checking account checklist

Account Details

• Is my account FDIC insured?
• Where can I access my statements and 1099 form?
• How do I manage alerts?

Product Features

• How do I earn interest on my personal checking account?
• How do I activate a new ATM or debit card?
• How does early Direct Deposit work?
• Is there a minimum balance to open or keep my LevelUp Checking account?
• Are there any fees for my LevelUp checking account?
• How do I stop payment on a check?
• How do I earn ATM rebates on my checking?

Money In

• How do I add more funds to my checking account?
• Where can I deposit cash into my account?
• How do I link an external account?
• What happens after I link accounts?
• How can I set up a Direct Deposit?
• When setting up Direct Deposit, what credentials should I use when connecting with my payroll provider?
• Do I give Happen Bank 100% of my paycheck?
• What is the incoming international wire process?
• What is a wire transfer and SWIFT code?
• How do you send a domestic wire to a Happen Bank account?

Money Out

• How do I initiate an external transfer?
• How do I withdraw from my account?
• What are wire transfers and SWIFT codes?
• How do I send domestic and international wires? Are there fees or limits?
• Can I send a same-day wire, cancel a wire or initiate a wire by phone?

Other

• How do I create a nickname for the description of my account?
• What do I do if there is fraud detected on my account?
• How do I change the name on my personal deposit account?