Are there any fees for my LevelUp checking account?

Debt consolidation replaces multiple high annual percentage rate (APR) balances with one fixed-APR personal loan. Before applying, knowing exactly what is owed, verifying that it actually saves money, checking your credit score, gathering documents, and checking your rate to see the actual APR before committing are important steps. This guide walks through each step in order.

Debt consolidation combines multiple high-APR debts into a single payment—ideally at a lower APR, with a defined end date. It can help save money and simplify your finances, but whether it makes sense depends on your credit profile, the APR you can qualify for, and your ability to avoid new debt after consolidation.

Applying for a personal loan may affects your credit score differently at each stage of the process: from the initial rate check through to full repayment. A personal loan can affect a credit score positively or negatively over time, depending upon several factors. 

When you consider taking out a personal loan, there are two ways in which your rate can be structured. The choice affects not just your monthly payment, but the total cost of borrowing over the full term, particularly if your loan runs several years.

When people worry about debt consolidation hurting their credit, they’re usually thinking about how a loan application affects their credit score. What may negatively affect a credit score is a missed payment, a closed account that shortens your credit history, or new spending on the cards you just paid off.

Today, we are thrilled to announce the completion of our acquisition of Radius Bancorp, Inc. (“Radius”). In February 2020, we announced our intent to acquire Radius and shared how we can grow and deepen our customer relationships with a marketplace bank.

When you set up Direct Deposit to your Happen Bank account, we make your funds available as soon as the depositor notifies us that the funds are scheduled for deposit.

We can’t stop payment on a check that’s in process or that has already been deposited or cashed.

To activate your debit or ATM card, please call 800-418-3964 and follow the message prompts.

There are no minimum balances required to open or keep a LevelUp Checking account.

Happen Bank does not charge a fee to use another bank’s ATM.

{noun} A type of credit that allows the borrower to make charges and payments against a set borrowing limit, paying interest only on outstanding balances.

{noun} The amount of unpaid interest that has accumulated as of a specific date, either on a loan or an interest-bearing account or investment. 

{noun} The total annual cost to borrow money, including fees, expressed as a percentage.

A debt that is written off as a loss because the financial institution or creditor believes it is no longer collectible due to a substantial period of nonpayment.

{noun} An interest rate that remains the same for a set time, usually for the life of the loan.