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LevelUp Checking

Earn over $200 in cash back rewards a year!

You can earn 2% cash back for on-time personal loan payments and 1% cash back on debit card purchases.1,2

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The rewards keep rolling in
LevelUp your rewards

Earn 1% cash back on purchases when you use your debit card at gas stations, grocery stores, and pharmacies.²

LevelUp your loan

Already have a Happen Bank personal loan? You'll earn 2% cash back for on-time payments from your LevelUp Checking account.¹

LevelUp your paycheck

You could get your paycheck up to 2 days early, giving you faster access to the money you need.4

Set up a monthly direct deposit and clear the way for more from your account.

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Earn more than $200 per year in cash back rewards⁵

With LevelUp Checking, members see their rewards add up to over $200 a year!

Want even more perks? Lets make it happen!

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1.00% APY

Make your hard-earned money work harder with 1.00% APY with balances of $2,500 or more.6
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$0 fees

Keep more of your money with a $0 minimum balance, no account fees, and free transfers.
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Unlimited ATM
fee rebates

Get unlimited ATM fee rebates on fees charged by other banks.7
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More products. More benefits. It adds up.

Earn money back on personal loan payments

Earn money back on personal loan payments

To earn 2% cash back, set up Direct Deposit and make an on-time payment from LevelUp Checking to your Happen personal loan.

Boost your earnings with LevelUp Savings

Boost your earnings with LevelUp Savings

Earn 4.00% APY with LevelUp Savings when you deposit $250+ per month.⁸

Track your rewards in the Happen Bank app

Track your rewards in the Happen Bank app

Check how many rewards you’ve earned so far in your personalized member rewards center.

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Open a reward-earning
LevelUp Checking
account today

$0 fees. $0 minimum balance. Unlimited cash back.2

Open an Account

Make it happen in the app

Get the Happen Bank app and never miss a beat.⁹

Download on the App StoreGet it on Google Play

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Frequently Asked Questions

To get 2% cash back on your monthly Happen Bank personal loan payment, follow these requirements:

  1. Set up Direct Deposit: Set up Direct Deposit and receive at least 1 Direct Deposit into your LevelUp Checking account each month.

  2. Pay your Happen Bank personal loan on time: Pay the monthly payment amount on your Happen Bank personal loan on time and from your LevelUp Checking account.

See Terms & Conditions for additional details.

To get 1% cash back on qualified Purchases, follow these requirements:

  1. Set up Direct Deposit: Set up Direct Deposit and receive at least 1 Direct Deposit into your LevelUp Checking account each month. 

  2. Make qualified purchases: Simply use your LevelUp Checking debit card for purchases at qualifying gas stations, grocery stores, and pharmacies.

There are no fees for your account.

Happen Bank doesn't charge a fee to use another bank’s ATM. Happen Bank is centered around empowering you to meet your financial goals and will reimburse you for ATM fees charged by other banks and ATM owners. Your reimbursements will appear in your LevelUp Checking accounts, when they’re posted to your account at the end of each statement cycle.

Any earned rewards for your account will be posted the following month in the Rewards Center within the Happen Bank app and online banking.

More in Help Center
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Security

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FDIC Insurance

Deposits are FDIC-insured up to the maximum amount allowed—$250,000.
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Customer support

Have a question? Need a hand? We can help. Chat with us online, or reach us by phone or email.
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88 Kearny Street, Suite 600
San Francisco, CA 94108

Accounts subject to approval which may include credit approval. No minimum opening deposit required. Please see Product Terms & Conditions for additional product details. FDIC-insured up to $250,000 per depositor for each ownership category. Visit our Help Center for additional information. 

  • 1Loan 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.

  • 2Debit Card Cash Back provides the opportunity to earn 1% cash-back on purchases from Eligible Categories when using a debit card tied to 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; and (2) Meet the qualifying requirements for the Debit Card Cash Back and/or Loan Payment Cash Back.

    Eligible Categories include grocery, gas, and pharmacy, as defined by their Merchant Category Code (“MCC”).

    The following purchases are not eligible to receive cash back: (1) any goods or services purchased that are returned or otherwise credited to your Eligible Account; (2) unlawful purchases; or (3) purchases of currency, cash or cash equivalents (including, without limitation, gift cards, prepaid debit cards, or other cash equivalents).

    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.

  • 3FDIC-insured up to $250,000 per depositor for each ownership category.

  • 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. 

  • 5Cash back reward averages are based on Debit Card Cash Back and Loan Payment Cash Back earned by Happen Bank members during July 2025 and August 2025. Averages reflect only those customers who earned cash back rewards during the specified period.

  • 6Annual Percentage Yield (APY) accurate as of 06/22/2026. Rate tiers are as follows: 0.00% APY applies to balances between $0.00 and $2,499.99 and 1.00% APY applies to balances of $2,500.00 and greater. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. Fees may reduce earnings.

  • 7Happen Bank does not charge a fee to use another bank’s ATM. Plus, get unlimited ATM surcharge rebates for ATM fees charged by other banks and ATM owners. ATM rebates apply to cash withdrawals from your LevelUp Checking account using your LevelUp Checking debit card. International exchange and service fees not included. ATM fees are rebated at the end of each statement cycle. Happen Bank makes its best effort to identify ATM fees eligible for rebate. In the event you have not received a rebate for a fee you believe is eligible, please contact Customer Service at 800.242.0272. Happen Bank reserves the right to modify or discontinue the rebate program at any time.

  • 8LevelUp Rate of 4.00% Annual Percentage Yield (“APY”) is accurate as of 06/22/2026. Standard Rate of 3.00% APY accurate as of 06/22/2026. 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.  

  • 9Standard data and message rates may 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.

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.

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