Estate planning at Happen Bank
How to protect 4 Happen Bank accounts — manage beneficiaries online, fund a trust by mail, and file claims through Happen Bank's Happen Bank Customer Service (trust and estate account opening)
Brand change
LendingClub Bank, N.A. rebranded to Happen Bank, N.A. (holding company LendingClub Corporation became Happen, Inc.). Same legal entity, same national bank charter, same FDIC coverage — new name. lendingclub.com 301-redirects to happen.com, and the bank's deposit forms now carry the "Happen Bank, N.A." mark. The customer service line (800-242-0272), the Boston PO Box, and all account products and estate procedures are unchanged. Effective June 2026.
The procedures below reflect Happen Bank's accounts. Account servicing may transfer as the change takes effect.
Happen Bank Customer Service (Checking, Savings, CDs)
Phone800-242-0272
Mailing Address
Happen Bank, N.A., ATTN: Customer Service, PO Box 55063, Boston, MA 02205-5063
Personal Loan Servicing (Mon-Fri 5AM-5PM PT, Sat 8AM-5PM PT)
Debit/ATM Card Activation
WebsiteLearn more→
Happen Bank Customer Service (trust and estate account opening)
Phone800-242-0272
Mailing Address
Happen Bank, N.A., ATTN: Customer Service, PO Box 55063, Boston, MA 02205-5063
WebsiteLearn more→
Happen Bank Customer Service (deceased account holder)
Phone800-242-0272
Mailing Address
Happen Bank, N.A., ATTN: Customer Service, PO Box 55063, Boston, MA 02205-5063
Deceased borrower / personal loan claim against the estate
WebsiteNotify online→
Verified Jul 2026
Happen Bank has 4 accounts, each with different rules for what happens when the account holder dies. Of those, 3 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
Managing beneficiaries at Happen Bank is straightforward—changes can be made online, by mail, and by phone, typically taking 5-15 minutes online; 1-2 weeks by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Happen Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust by mail, and review 4 account types at Happen Bank.
View details →When someone dies
Death claim process
Contact Happen Bank's Happen Bank Customer Service (trust and estate account opening) to file a claim. 7-step process, 7 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Happen Bank's Happen Bank Customer Service (trust and estate account opening) at 800-242-0272.
Frequently asked questions
The FIDUCIARY ACCOUNTS clause of the deposit agreement allows an account to be "opened and maintained by a person or persons named as a trustee under a written trust agreement, or as executors, administrators, or conservators under court orders" — so an executor with Letters and an estate EIN can open an estate account, and a successor trustee can hold a trust account. The bank adds that it is not acting as trustee and undertakes no obligation to monitor or enforce the terms of the trust or the letters. Re-titling an EXISTING personal account into a trust is not self-service: the ACCOUNT TRANSFER clause states the account "may not be transferred or assigned without our prior written consent." In practice you call 800-242-0272 and request the Trust Deposit Account Application, which is not published on happen.com/deposits/forms, and mail it with the trust's title, signature, and notary pages to PO Box 55063, Boston, MA 02205-5063. Happen Bank has no branches, so nothing here is done in person.
Sources
Data sourced from Happen Bank primary sources (16 pages reviewed). How we research.
Happen Bank Customer Service (Checking, Savings, CDs)
Phone800-242-0272
Mailing Address
Happen Bank, N.A., ATTN: Customer Service, PO Box 55063, Boston, MA 02205-5063
Personal Loan Servicing (Mon-Fri 5AM-5PM PT, Sat 8AM-5PM PT)
Debit/ATM Card Activation
WebsiteLearn more→
Happen Bank Customer Service (trust and estate account opening)
Phone800-242-0272
Mailing Address
Happen Bank, N.A., ATTN: Customer Service, PO Box 55063, Boston, MA 02205-5063
WebsiteLearn more→
Happen Bank Customer Service (deceased account holder)
Phone800-242-0272
Mailing Address
Happen Bank, N.A., ATTN: Customer Service, PO Box 55063, Boston, MA 02205-5063
Deceased borrower / personal loan claim against the estate
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Happen Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
