Meet SoFi Checking and Savings, a bank account that earns you up to 4.30% APY1 on all your balances, has no account fees- and keeps your money secure along the way.
We work hard to charge no account fees. With that in mind, our fees charged are subject to change at any time. See our terms and conditions.
See unusual or suspicious activity on your account? Lose your SoFi debit card? Instantly freeze your card right away online or via the SoFi app. If unauthorized activity does happen, contact us and we’ll help resolve.
We take the security of your information very seriously. That’s why we’re committed to protecting our members’ privacy, security, and data.
Each card chip generates a unique transaction code—making it hard to copy.
In addition to your passcode, you’ll need a security code or fingerprint recognition to sign into your account.
If there is any suspicious activity on your cash management account, we will contact you and if necessary, restrict the account until the concern is addressed.
Feel confident that you and your money are covered. Once your money arrives at our partner banks, it is FDIC insured up to $250,000 per account (joint account holders have $500,000 in total coverage).
You can set a travel notice if you plan to use your SoFi debit card while traveling to help prevent interruption. To set a travel notice, contact SoFi Customer Service at 1-855-456-7634, 1-2 days ahead of your travel, and let us know the location and timeframe of your travel. Bon voyage!
SoFi Checking and Savings members get fee-free access to 55,000 Allpoint ATMs worldwide3, pay no account fees, earn up to 4.30% APY1and get all the benefits of a SoFi membership.
As a SoFi member you’ll receive a 0.125% rate discount on additional SoFi loans.4
Get access to complimentary one-on-one career services to help with career transitions, job searches, and more.
SoFi members get access to experiences that help them build their network, community, and career.
We work hard to give you interest and charge no account fees. With that in mind, our interest rates, fees charged, and ATM fee policies are subject to change at any time. See our terms and conditions.
From fraud protection to data security, we’ll make sure your money is safe wherever you are.