Happen Bank logoLC Logo

How do I link my bank account?

2 min read

Automatically linking your bank account

Linking your bank account with your Happen account is simple and automatic. You’re the only one who sees your bank login information when you use this method—we never have access to it.

Once you've signed your Truth in Lending disclosure and the Borrower Agreement, you'll be asked to link your bank account.

To link your account automatically:

  1. Click Link bank.

  2. Click Continue to agree to link your bank account automatically.

  3. Choose your bank, or search for it if you don't see an icon for it.

  4. Enter the username and password you use to log into your bank, then click Submit. (Note: Some banks may have you confirm your identity by answering a security question or entering a code they email or text to you.)

  5. Choose the account you want to link to your Happen account.

  6. Enter your name as it appears on your bank account.

  7. Click the button to confirm you want payments withdrawn automatically. Or, if you'd rather make your monthly payments by check, click Pay by check instead, then choose check payments.

  8. Click Submit.

When you link your bank account automatically, only you will see your bank login information. We’ll never have access to it.

Manually linking your bank account

If you’d rather manually link your account, you can follow these simple steps:

  1. Click Manually enter bank details at the bottom of the page.

  2. Enter your name as it appears on your bank account.

  3. Enter your bank name.

  4. Choose whether the bank account is a checking or savings account.

  5. Enter your routing and account numbers. (For checking accounts, these are at the bottom of your checks.)


Note: Some credit unions use a different account number for automatic transactions. If you want to use a credit union account, confirm that you have the account number for ACH deposits and withdrawals.

  1. Confirm your account number.

  2. Click the button to confirm you want your monthly payments withdrawn electronically. Or, if you'd rather pay by check each month, click Pay by check instead, and choose check payments.

  3. Check the box that lets us link your bank account.

  4. Click Submit.

If you have any trouble linking your bank account, feel free to contact us. We’re happy to help.

Keep more of what you earn and earn more on what you save.
Checking your rate won’t impact your credit score.2
Keep more of what you earn and earn more on what you save. Privacy & Security

Happen Bank Resources

Related Articles
Borrowing $1,500 is often harder – and more expensive per dollar – than borrowing $15,000. Many banks don't offer small personal loans, and the products that fill the gap can cost several times more. Happen Bank personal loans start at $1,000 with APRs from 6.53% to 35.99%.1 Check your rate in seconds with no impact to your credit score.2,4
Jul 29, 2026
7 min read
woman holding open her wallet full of credit cards
"Bad credit" is a range, not a verdict. A borrower with a credit score of 620 has meaningfully different options than one with a credit score of 520 – and a personal loan from a bank can still be an option for many borrowers in the fair credit range (580–669). Before you decide anything, check your rate in seconds with no impact to your credit score.1,4 If you're not yet in the qualifying range, credit monitoring tools can help you track the progress that matters most.
Jul 29, 2026
8 min read
Blog CreditScore header
A personal loan typically has a fixed APR, fixed term, and fixed monthly payment. The application, verification, and funding increasingly happen digitally – without branch visits or paper forms.
Jul 22, 2026
6 min read
Online & Mobile Banking
The best personal loan rate in 2026 isn't the one with the lowest advertised interest rate: it's the one with the lowest APR, which includes additional finance charges.
Jul 22, 2026
8 min read
personal-loans-hero
Your car won't start on a Monday morning. The repair estimate is $1,400, and your next paycheck isn't until Friday. The question isn't whether you need money fast – it's which option gets it to you at the most efficient cost.
Jul 22, 2026
8 min read
A woman on the side of the road with a car, looking under the hood. Cover unexpected emergencies with a personal loan.
Related Impact
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.
Jan 30, 2021
2 min read
Radius Officially Joins LendingClub
Related FAQ's
Adding creditors to your balance transfer loan is easy.
Apr 9, 2026
4 min read
In some cases, we may need to confirm your employment before your application can be finalized. The fastest way to confirm your employment is to provide your work email address.
Jun 7, 2023
less than a minute read
The 4506-T form gives us permission to request a copy of your tax return from the IRS. We use it to verify the accuracy of the financial information you entered on the application. You won’t be charged anything for the form.
Jun 7, 2023
2 min read
Once you submit your application, we may ask you for additional paperwork to verify your information.
Jun 7, 2023
2 min read
After you submit your application, you'll get an email with instructions for confirming your email address.
Jun 7, 2023
less than a minute read
Related Glossary
{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.
Sep 6, 2023
4 min read
{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. 
Mar 21, 2023
4 min read
{noun} The total annual cost to borrow money, including fees, expressed as a percentage.
Mar 21, 2023
3 min read
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.
Feb 7, 2023
3 min read
{noun} An interest rate that remains the same for a set time, usually for the life of the loan.
Feb 4, 2023
3 min read

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.

© 2026 Happen Bank. All rights reserved.

Equal Housing LenderMember FDIC