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Account review
Happen Bank LevelUp Savings review
Best for: Savers who can auto-deposit $250/month and want a top-2026 yield.
The 2026 award winner in our set: a 4.20% APY — the highest savings yield in our comparison — but only if you deposit $250 or more in total each statement cycle. Miss it and it drops to the 3.00% standard rate, still about 8x the national average.
How we make money (or don't): BidAsk currently has no affiliate relationships
with these banks and earns no commission if you open an account — the links below go directly
to each provider's own site, except the Marcus savings link, which is a personal referral link:
if you open a Marcus Online Savings Account through it, you earn an extra 1.00% APY for 3 months
(per Marcus's referral terms) and the site's publisher earns the same rate boost on his account.
See our full disclosure.
APY
4.20%
Minimum to open
$0
Minimum to earn APY
$0
Monthly fee
$0
FDIC insured
Yes
Rate note: LevelUp rate with $250+ in total deposits per statement cycle; 3.00% standard rate otherwise. Rates accurate as of 11/01/2026 per happen.com. Recently rebranded from LendingClub Bank.
Standout features
- 4.20% APY with $250+ in deposits per statement cycle — the highest savings yield in our comparison (Fool's 2026 Best High-Yield Savings Account).
- $0 to open, no monthly fees, free ATM card with fee rebates.
- Unlimited external transfers (up to daily limits); any transfer counts toward the $250, not just direct deposit.
Honest drawbacks
- The 4.20% rate requires $250+ in deposits per statement cycle — otherwise you earn 3.00%.
- Online-only: no branches for in-person help.
- ACH outbound transfers limited to $10,000/day for some accounts.
Open an account at Happen Bank →
Link goes directly to Happen Bank's own site. Rates verified November 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.
Sources
- Happen Bank LevelUp savings (official) (checked Sep 2026)
- Motley Fool: 3 savings accounts crushing the national average (Sep 2026) (checked Sep 2026)
- Morningstar: LendingClub officially becomes Happen Bank (checked Sep 2026)
Keep comparing
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