Happen Bank vs Wealth

Happen Bank, formerly LendingClub, is a digital bank built around a simple belief: banking should work better for you. We bring borrowing, checking, and savings together in a digital experience that makes it quick and easy to make smart financial decisions. That means decisions in moments, not weeks. Fixed rates with no traps or gotchas. And trusted products and tools that help you earn more, save more, and make progress towards what you want to make happen next. You’re making it happen. We’re here to clear the way. We are Happen Bank. Here are a few reasons why members like you love the Happen Bank app: • See your bank accounts and loans in one place • Check your loan pay-down progress anytime, anywhere • Meet your goals with an interest earning LevelUp Savings account • Get rewarded with a LevelUp Checking account • Link and view all your credit cards in one place with DebtIQ • Safely move money between your accounts Based on reviews collected by Trustpilot. All such reviews can be accessed at trustpilot.com/review/happen.com. *Transaction limits may apply, see https://www.happen.com/legal/deposits/personal-products-terms-and-conditions for more terms and conditions Any 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. 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. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

Take control of your financial future, one day at a time. Wealth Watch is your personal cash flow companion that helps you understand where your money goes and build wealth intentionally. Simply log your daily income, expenses, and bills, and let the app reveal patterns you never knew existed. DAILY CASH FLOW TRACKING Log your financial activity in seconds. Enter income, expenses, and bills for any day, and instantly see your net cash flow. No complicated categories or overwhelming setup — just simple, honest tracking. SMART SUMMARIES AT EVERY LEVEL View your finances from any angle: Daily snapshots of your cash flow Weekly trends to spot patterns Monthly overviews for planning Yearly summaries for the big picture AI-POWERED INSIGHTS Meet Felix, your personal financial advisor. Powered by advanced AI, Felix analyzes your spending patterns and delivers personalized advice to help you make smarter money decisions. 7-DAY PREDICTIONS See into your financial future. Our AI predicts your cash flow for the next week based on your spending habits, helping you plan ahead and avoid surprises. BEAUTIFUL ANALYTICS Visualize your money story with elegant charts showing income vs. expenses, net trends over time, and more. Understand your finances at a glance. SET AND TRACK GOALS Define your financial goals and watch your progress. Whether you're saving for something special or paying down debt, stay motivated with visual progress tracking. SECURE BY DESIGN Protect your financial data with Face ID or Touch ID. Your information stays private and secure. PERSONALIZED EXPERIENCE Choose between Light, Dark, or System themes. Customize notifications to get only the updates that matter to you. THOUGHTFUL NOTIFICATIONS Our philosophy: "Describe direction, not decisions." No shame, no guilt — just helpful nudges about your cash flow trends, weekly summaries, and momentum updates. Built by Debt to Legacy LLC, Wealth Watch is designed for anyone ready to understand their money and build lasting wealth.