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Storing cash until you are ready to invest, and looking to get rewarded? SoFi Money has no account fees and earns you cash back rewards when you spend and save. Also for a limited time you’ll get $50 from SoFi when you:
• Open a SoFi Money® account
• Fund your new account with $500 dollars
Why SoFi Money?
• Absolutely no account fees
• Instantly transfer cash to your SoFi Invest® account
• Earn cash back rewards when you spend on brands you love
• Earn 5x the national average on your savings versus spending accounts²
We work hard to charge no account fees.
With that in mind, our interest rates and fees charged are subject to change at any time. See our terms and conditions.
SoFi is committed to fighting racism, standing in solidarity with all of our communities, providing space for open dialogue, as well as taking action as informed allies. We are donating $1 million to organizations that empower people of color and their allies.
SoFi Money®️ is a cash management account, which is a brokerage product, offered by SoFi Securities LLC. Member FINRA/SIPC. Neither SoFi nor its affiliates is a bank.
At account opening, all SoFi Money accounts will earn interest at 0.20% APY. On the monthly anniversary date of account opening, your account activity for the preceding 30 days will be reviewed. Accounts which: (a) made deposits totaling $500 or more in the preceding 30 days, or (b) used their SoFi Money® World Debit Mastercard® Card for at least 10 transactions (excluding ATM transactions) in the preceding 30 days, will continue to earn interest at 0.20%. Accounts which did not meet either of these targets in the preceding 30 days, will earn interest at 0.01%. Interest rates are variable and subject to change at our discretion at any time.
1. Terms and conditions apply. Only SoFi Invest members who are original recipients of this message without a SoFi Money cash management account are eligible. To receive the bonus offer, participants must first apply and successfully open a SoFi Money cash management account. To receive the promotional balance, deposit(s) of $500 or more must be made in the new account by the new SoFi Money member; additionally, the $500 minimum balance needs to stay in the new member’s account for 90 days in order for the new member to qualify for the $50 bonus. Within 10 business days of such a deposit, qualifying participants will receive a $50 deposit into their SoFi Money account. This offer is limited to one per person. The offer expires on 7/13/2020, at 5pm EDT; the deposit of $500 of more must be made into the new account by 7/13/2020. Participants must comply with the SoFi Money terms of use. Any fraudulent or returned funding will result in disqualification. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer, consult your tax advisor to determine applicable tax consequences. SoFi reserves the right to change or terminate the offer at any time or without notice.
2. Vs. traditional transaction accounts. 5x is based on the national average of 0.04% from the weekly rate cap as of 5/25/2020.
The umbrella term “SoFi Invest” refers to the three investment and trading platforms operated by Social Finance, LLC and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.
1) Automated Investing— The Automated Investing platform is owned by SoFi Wealth LLC, an SEC Registered Investment Advisor (“Sofi Wealth”). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC, an affiliated SEC registered broker dealer and member FINRA/SIPC, (“Sofi Securities).
2) Active Investing—The Active Investing platform is owned by SoFi Securities LLC. Clearing and custody of all securities are provided by APEX Clearing Corporation.
3) Digital Assets—The Digital Assets platform is owned by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.
Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Lending Corp and/or its affiliates.
For additional disclosures related to the SoFi Invest platforms described above, including state licensure of Sofi Digital Assets, LLC, please visit www.sofi.com/legal.
This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product. You can find additional information regarding SoFi Securities LLC and its registered persons at FINRA’s website. The firm reserves the right to monitor and retain all incoming and outgoing communications as permitted by applicable law.
The SoFi Money® World Debit Mastercard® is issued by The Bancorp Bank 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.
SoFi Securities LLC values your privacy and the security of your personal information so please do not include your social security number in any email or letter that you send to us.
