SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.
1Instant Transfers can be sent to participating institutions in the FedNow® Service and will be subject to transaction limits. Fees apply to outbound transfers. See the SoFi Bank Fee Sheet. Instant Transfers generally occur within seconds. Certain circumstances could result in a delay or prevent an Instant Transfer from being completed. FedNow® is a registered service mark of the Federal Reserve Banks.
2SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Between 12/9/25–3/30/26, members with Eligible Direct Deposit or Qualifying Deposits will receive complimentary access to SoFi Plus. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.
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