You make more on your money when you bank with SoFi. Get ready to earn 3.75% APY—that’s 12x the national average savings rate—on your savings and Vault balances.
You make more on your money when you bank with SoFi. Get ready to earn 3.75% APY—that’s 12x the national average savings rate—on your savings and Vault balances.
Get the most out of your emergency savings with SoFi Checking and Savings. With high APYs of up to 3.75%, no account fees, and the potential to earn up to $250 with direct deposit (terms apply), you can save more for unexpected expenses. Plus, enjoy up to 15% cash back at local establishments. Sign up today and start building your financial safety net.
If you don’t want to deal with standard bank fees, SoFi Checking and Savings is a great option.
Members with direct deposit can earn 3.75% APY on their savings and Vaults balances, and 2.50% APY on their checking balances.
No overdraft fees. No minimum balance fees. No monthly fees. Plus, 55,000+ fee-free ATMs within the Allpoint Network.
Get up to 15% cash back at local establishments when you pay with your SoFi debit card.
Overspent by accident? No problem. You’ll be covered up to $50 with no fees with qualifying direct deposits.
Any U.S. Citizen, a lawful permanent resident, or non-resident, 18 years or older with a physical US address (in the 50 US states, the District of Columbia), and a valid Social Security Number (SSN) is eligible to open a SoFi Checking and Savings account.
Build your emergency fund with SoFi Checking and Savings. Get peace of mind with no account fees, ATM fees, or minimums. Plus, earn high interest on your savings. Start saving today.
Make giving a part of your budget and easily contribute to causes you care about. With SoFi’s checking and savings, create a dedicated fund for charitable giving and gifts, and make a positive impact on your community.
Set aside funds for household expenses and avoid the stress of unexpected repairs or replacements. With SoFi’s checking and savings, easily budget for household needs and have peace of mind knowing you’re prepared for anything.
Account Holders with Direct Deposit
| Account | APY |
|---|---|
| Checking Account | 2.50% |
| Savings Account | 3.75% |
| Account | APY |
|---|---|
| Checking Account | 1.20% |
| Savings Account | 1.20% |
| Standard fees (fees may change) | Amount |
|---|---|
| Account Opening | $0 |
| Online Banking withdrawal | $0 |
| Online Banking withdrawal | $0 |
| Mobile Deposit Capture | $0 |
| ATM transactions | $0 |
| Overdraft | $0 |
| Allpoint ATM Transactions – Domestic/International | $0 |
| Point of Sale (POS) Transactions – Domestic/ International | $0 |
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