How do I add money to or withdraw money from my IRA?

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New IRA accounts

If you're opening a new IRA through Happen Bank, follow the instructions for completing a 401(k) rollover, IRA transfer, or contribution:

  1. Sign into your Member Center.

  2. Navigate to the Complete Your IRA or Fund Your Account page. 

Existing IRA accounts

If you have an existing IRA through Happen Bank and want to proceed with a 401(k) rollover, IRA transfer, or contribution:

  1. Sign into your Member Center.

  2. Download, complete, and submit the appropriate form from the Transfer page of your account (Note:You must be signed into your IRA account to view the Transfer page.)

Withdraw money from your IRA

To withdraw funds from your Happen Bank IRA:

  1. Sign in to your Member Center.

  2. Click Transfer. 

  3. Click Withdraw Funds to initiate the withdrawal.

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88 Kearny Street, Suite 600
San Francisco, CA 94108


For Personal Loans, APR ranges from 5.96% APR to 35.99% 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. 

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