SIMPLE SAVINGS

Put your savings
on autopilot.

SoFi makes saving money second nature.
Organize your cash and set savings goals with Vaults—
and save the change when you spend with Roundups.

Get SoFi Checking and Savings

You have savings goals.
SoFi Checking and Savings has Vaults.

Vaults make it easy to separate your spending from your savings while still earning interest on all your money. Set aside money for a new home, a new home office, and more. Track your progress, set up recurring monthly deposits, and pay zero account fees or minimum balance fees.

Turn cents into savings
with Roundups.

Spend on your SoFi debit card and we’ll automatically round up every purchase to the nearest dollar and transfer it to one of your Vaults. It’s the easiest way to save without even thinking about it.

All that and then some.

Not only does SoFi supercharge your savings with 11x the national checking rate, it also has no account fees, up to 4.00% APY and offers 2-day paycheck with direct deposit.1 2 3

FAQs

Broker Check by Finra

Rule 606 Order Routing | Statement of Financial Condition

SoFi Checking and Savings is offered through SoFi Bank, N. A. Member FDIC.

This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product.

1SoFi Checking and Savings is offered through SoFi Bank, N.A.. The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.

2Requires direct deposit of funds. Early access to direct deposit funds is based on the timing in which we receive notice of impending payment, which is typically up to two days before the scheduled payment date.

3SoFi members with direct deposit can earn up to 4.00% annual percentage yield (APY) on savings balances (including Vaults) and 1.20% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.00% APY for savings. Members without direct deposit will earn 1.20% APY on all account balances in checking and savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 3/17/2023. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet

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