SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.
SoFi Bank establishes daily and monthly limits on the dollar amounts and volumes of certain Account transactions, including deposits, ATM withdrawals and P2P Transfers. These limits can be found on the “SoFi Bank Transaction Limits” page at https://www.sofi.com/banking/limits/. SoFi Bank reserves the right to, at any time adjust, at its discretion, the dollar amounts or transaction limits permitted for specific Account activities.
1We charge a transaction fee to process each outgoing wire transfer. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.
2Zelle® should only be used to send money to friends, family and others that you know and trust. We recommend that you do not use Zelle® to send money to those you do not know or have not met. Neither SoFi nor Zelle® offers purchase protection for payments made with Zelle®. For example, if you do not receive the item you paid for or the item is not as described or as you expected, you might not be able to get your money back once you send it.
To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Eligibility criteria apply. Dollar and frequency limits apply. See the Zelle® terms for SoFi users full terms and conditions. We do not charge a fee to use Zelle®. We will send you an email alert with transaction details after you send money using Zelle®. Data connection required. Message and data rates may apply.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, loss of user data, communications, or personalization settings. You must confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.
SoFi Bank, N.A., 2750 E Cottonwood Pkwy STE 300, Salt Lake City, UT 84121. ©2025 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. Screen images simulated. BNK24-2103706-I