Get the best of both worlds with an online checking account and an online savings account that work better together. SoFi Checking & Savings has a high-yield APY and a direct deposit bonus of up to $400. There are no overdraft fees, no minimum balances, and no monthly fees. Plus, 55,000+ fee-free ATMs and up to 2-day early paycheck.
Every aspect of SoFi is designed to help its customers get their financial health in order and make their money move the way it needs to so they can fulfill their ambitions. The company offers loans, investment platforms and saving plans, as well as refinancing options to help people keep their interest rates down.
Top SoFi Banking Categories
- Checking & Savings Accounts
Digital accounts with no monthly fees, competitive interest rates, and features such as early direct-deposit access.
- Personal Loans & Debt Refinancing
Options for borrowing money to consolidate high-interest debt, fund large purchases, or refinance student loans, with flexible terms.
- Investing & Wealth-Management
A platform for trading stocks, ETFs, and setting up IRAs, aimed at individuals seeking to build investment portfolios.
- Mortgage & Home Finance
Home purchase and refinancing products with online application workflows and competitive pricing for buyers and homeowners.
- Credit Cards & Rewards Programs
Credit-card offerings that integrate rewards, member benefits, or cash-back features alongside banking and investing services.
- Insurance & Protection Services
Coverage options for auto, home, life or renters insurance bundled or offered alongside other financial services.
Fee Policy
We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
Holiday Pages
SoFi aims to be a full-service destination for people who want to make their money go further. One thing that sets SoFi apart is that fees are not required on its personal loans beyond the stated interest rate. That can save you a lot of money in the long run, and the company’s transparency makes it easy to plan.
