LevelUp Checking

Earn over $200 in cash back rewards a year!1

You can earn 2% cash back for on-time personal loan payments and 1% cash back on debit card purchases.2,3

The rewards keep rolling in

LevelUp your rewards

Earn 1% cash back on purchases when you use your debit card at gas stations, grocery stores, and pharmacies.3

LevelUp your loan

Already have a Happen personal loan? You'll earn 2% cash back for on-time payments from your LevelUp Checking account.2

LevelUp your paycheck

You could get your paycheck up to 2 days early, giving you faster access to the money you need.5

Set up a monthly direct deposit and clear the way for more from your account.

Earn more than $200 per year in cash back rewards¹

With LevelUp Checking, members see their rewards add up to over $200 a year!

Want even more perks? Lets make it happen!

1.00% APY

Make your hard-earned money work harder with 1.00% APY with balances of $2,500 or more.6

$0 fees

Keep more of your money with a $0 minimum balance, no account fees, and free transfers.

Unlimited ATM fee rebates

Get unlimited ATM fee rebates on fees charged by other banks.7

More products. More benefits. It adds up.

Earn money back on personal loan payments

To earn 2% cash back, set up Direct Deposit and make an on-time payment from LevelUp Checking to your Happen personal loan.

Boost your earnings with LevelUp Savings

Earn 4.00% APY with LevelUp Savings when you deposit $250+ per month.⁸

Track your rewards in the Happen Bank app

Check how many rewards you’ve earned so far in your personalized member rewards center.

Open a reward-earning LevelUp Checking account today

$0 fees. $0 minimum balance. Unlimited cash back.2

Make it happen in the app

Get the Happen Bank app and never miss a beat.⁹

Frequently Asked Questions

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

To get 2% cash back on your monthly Happen Bank personal loan payment, follow these requirements:

1. Set up Direct Deposit: Set up Direct Deposit and receive at least 1 Direct Deposit into your LevelUp Checking account each month.

2. Pay your Happen Bank personal loan on time: Pay the monthly payment amount on your Happen Bank personal loan on time and from your LevelUp Checking account.

See Terms & Conditions for additional details.

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

To get 1% cash back on qualified Purchases, follow these requirements:

1. Set up Direct Deposit: Set up Direct Deposit and receive at least 1 Direct Deposit into your LevelUp Checking account each month.

2. Make qualified purchases: Simply use your LevelUp Checking debit card for purchases at qualifying gas stations, grocery stores, and pharmacies.

Are there any fees for my LevelUp Checking account?

There are no fees for your account.

How do I earn ATM rebates with my LevelUp Checking account?

Happen Bank doesn't charge a fee to use another bank’s ATM. Happen Bank is centered around empowering you to meet your financial goals and will reimburse you for ATM fees charged by other banks and ATM owners. Your reimbursements will appear in your LevelUp Checking accounts, when they’re posted to your account at the end of each statement cycle.

When will I see my Debit Card Cash Back Rewards?

Any earned rewards for your account will be posted the following month in the Rewards Center within the Happen Bank app and online banking.

Security

Keeping your financial info private and secure is our priority.

FDIC Insurance

Deposits are FDIC-insured up to the maximum amount allowed—$250,000.

Customer support

Have a question? Need a hand? We can help. Chat with us online, or reach us by phone or email.