Personal Banking | Bank Online with Happen Bank
Personal Banking
Award-winning banking at your fingertips
Our LevelUp Checking account, LevelUp Savings account, and CDs are built to reward you and help you reach your goals.
Get more from your money with a Happen Bank account
LevelUp Savings
Get 4.00% APY when you deposit $250+ a month.²
LevelUp Checking
Earn 2% cash back and get paid early.³,⁴
Certificate of Deposit
Earn a competitive, guaranteed rate.⁵
Open a LevelUp account in minutes
Start earning more today.
Make it happen in the app
Get the Happen Bank app and never miss a beat.6
See what our members are saying
"I use the banking side. They offer one of the highest APY for savings accounts as long as you make a very modest $250 deposit each month. If you are looking for a high rate savings accounts and are willing to do all banking with them online (no physical branches), this could be a great place to have a savings account."7
—Travis M.
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.
Accounts subject to approval, which may include credit approval. No minimum opening deposit required for LevelUp Checking or LevelUp Savings. $500 minimum opening deposit required for CDs. Please see Product Terms & Conditions for additional product details. Visit our Help Center for additional information.
1FDIC-insured up to $250,000 per depositor for each ownership category.
2 LevelUp Rate of 4.00% Annual Percentage Yield (“APY”) is accurate as of 07/24/2026. Standard Rate of 3.00% APY accurate as of 07/24/2026. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank.
LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, to provide an opportunity to set up deposits. While accounts will not move from the LevelUp Rate prior to the First Evaluation Period, the LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period.
An Evaluation Period is a statement cycle. The First Evaluation Period will be the third statement cycle after you open your account, with any rate change becoming effective the next statement cycle. For example, if you open in August, the first Evaluation Period would be October with any rate change effective in November. Any rate changes will take place at the end of the first business day of the month and will be based on deposits in the previous statement cycle.
Fees may reduce earnings. $0 minimum opening deposit. Additional information can be found in the Product Terms & Conditions and FAQs.
- 3 Loan Payment Cash Back provides the opportunity to earn 2% cash back for Qualifying Payments made electronically from an Eligible Account.
Eligible Accounts are: LevelUp Checking accounts that:
(1) Receive a Direct Deposit into your LevelUp Checking account during the month in review (an “Eligible Account”); and
(2) Meet the qualifying requirements for the Debit Card Cash Back and/or Loan Payment Cash Back.
Qualifying Payments are: Payments made on-time from an Eligible Account in the amount of the monthly payment amount. Payments must be made electronically. Any payment received after the due date or amounts in excess of the monthly payment amount are not eligible for cash back.
Payments made to Happen Bank Auto Loans, revolving purchase finance loans and CleanSweep do not qualify for cash back.
Accounts are reviewed after the end of each month. Any earned cash back will be credited directly to your Eligible Account on or before the 5th business day of the next calendar month. The Eligible Account must be open and active at the time the cash back is credited. For more details, please review our LevelUp Checking Terms & Conditions.
4Any account features that enable you to receive direct deposits, or that enable direct deposit funds to be made available to you early, are contingent upon and subject to the payor’s support of such features.
5Annual Percentage Yield (APY) accurate as of 07/24/2026. Minimum amount to open is $500.00. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.
6Standard data and message rates apply to Mobile Banking services. This includes the use of Happen Bank Mobile, Happen Bank Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.
7Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/happen.com. This is one person's experience. Individual results may vary.
For Personal Loans, APR ranges from 5.96% APR to 35.96% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.
A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.
Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.
Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval.
Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108.
“Happen” and the “H” symbol are trademarks of Happen Bank.
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