Also known as: WebBank
WebBank is a Utah-chartered industrial bank that serves as the issuing bank behind many well-known fintech credit card and personal loan products. Rather than serving retail customers directly, WebBank partners with technology companies and consumer brands to provide the banking infrastructure that allows those companies to offer credit products legally.
If you apply for a personal loan through a platform like LendingClub, Prosper, or Avant, or if you open a credit card through a fintech company, there is a good chance WebBank is the bank that actually issues and funds the product, even though you interact entirely with the fintech brand. WebBank is responsible for the credit decisions and regulatory compliance, while the fintech partner manages the customer experience and distribution.
From a consumer standpoint, this means that even though you may be applying through a technology-forward platform, your loan or card is backed by a federally regulated bank. WebBank is FDIC-insured.
The specific rates, fees, terms, and eligibility criteria on any WebBank-issued product depend entirely on the program it has set up with its fintech partner. The terms on a LendingClub loan, for example, are different from those on an Avant loan, even though both are issued through WebBank.
If you have questions about a product issued by WebBank, direct your inquiries to the brand or platform through which you applied, as that is where your customer relationship lives. Review the full loan or credit card agreement, including the APR and any fees, before accepting any offer.
Quick info
Credit Cards & Issuers
WebBank
Steel Technologies LLC
FDIC-insured. Utah state-chartered industrial bank.
2026-06-06
Want to feel clearer about your money?
Ask Fin gives you simple tools for budgeting, spotting savings, exploring income ideas and building better money habits. General guidance only — not regulated advice.
Start with Ask Fin — freeMain products and services
Credit cards (issued on behalf of fintechs); personal loans; consumer finance
Additional notes
Primarily a behind-the-scenes banking partner for fintech and retail credit programs. Not a direct consumer-facing bank.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
No review data available for this company.
Source URLs
Date checked
2026-06-06
How do I make a complaint about WebBank?
Start with WebBank's internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is WebBank regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find WebBank's official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think WebBank has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a WebBank issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
Ask Fin gives you simple money tools for budgeting, spotting savings and building better money habits. General guidance only — not regulated financial advice.
Start with Ask FinFree — no payment details needed.