Top 10 Fun Things to Do When Visiting Honolulu

Known as “The Big Pineapple,” Honolulu is the capital of Hawaii and a great place for your next vacation. While Honolulu is very much a major city on the island of Oahu, within minutes, you can be exploring the gorgeous, lush countryside that surrounds it.

That means there’s ample opportunities to do everything from visiting historical sites and sampling amazing food to snorkeling, kayaking, or climbing waterfalls. To help you develop your itinerary for visiting this tropical paradise, consider the following list of things to do in Honolulu, Hawaii. You’ll also learn travel tips and tricks to make your vacay that much better.

Best Times to Go to Honolulu

With temperatures that rarely rise above the high 80s, Honolulu is temperate throughout the year. The best (and least crowded) times to visit are April, May, September, or October.

Here are some of the annual events in Honolulu you might want to plan your trip around:

•   March: The Honolulu Festival

•   May: The Lei Day Celebration

•   June: The King Kamehameha Floral Parade

•   September: The Aloha Festival

•   October: Hawaiʻi Food and Wine Festival

•   December: Honolulu Marathon

Bad Times to Go to Honolulu

While temperatures are appealing year-round, some can find the summer sun and warmth a bit oppressive; others find winter a tad too humid.

Also, summer travel can often mean more tourists and therefore more crowded attractions. The rainy season is from November to March, and since many of the best things to do in Honolulu are outdoor activities, this might not be the ideal time to take your Honolulu trip.

Weather is one of the many variables that can impact a trip. If the unexpected happens and you can’t take your trip or things were to go awry once you were in Hawaii, having travel insurance can help you get reimbursed for travel purchases. You might be able to access credit card travel insurance, or you could buy it before your trip.

Average Cost of a Honolulu Vacation

If you’re taking a romantic trip for two to Honolulu, you can expect the cost of a weeklong trip to run about $4,142. It can, of course, cost more or less, depending on your budget.

Renting a vacation home, which can cost from $220 to $1,000 a night, means you can save on food since you can cook in the home. It may, however, cost more per night than a hotel, which averages $100 to $459 a night in Honolulu, though you can often save on hotel costs by being a member of a chain’s rewards program, finding coupon codes, or using other travel hacks.

Other costs to consider include renting a car, airfare, and dining. Of course, attractions are another expense, whether that’s museum admission or chartering a boat.

The prices above don’t include airfare getting to and from the island. Obviously, the cost will vary depending upon where you are flying from and back to, as well as how you like to travel (nonstop or not, which class of service, whether you check bags, and so forth). Signing up for an airline credit card before you book your flights can help you earn points for purchases.

10 Fun Must-Dos in Honolulu

If you’re ready to plan your trip and pack in the best things to do in Honolulu, here is a list culled from travelers’ experiences, locals’ recommendations, and top-reviewed attractions.

One quick tip: If you’re planning on doing some of the pricier activities (say, a scuba or snorkeling expedition), you may want to pay with plastic to earn some credit card rewards.

1. Hike Mānoa Falls

Visiting a waterfall is a highlight of many Hawaiian vacations. One to consider: Mānoa Falls, a short-but-sweet 1.6-mile round-trip hike. It’s especially nice on a hot day, as the entire trail is shaded by bamboo, ferns, and ancient banyan trees. The trail’s incline is steady and can sometimes be muddy, so bring water and wear appropriate shoes.

At the end of the trail is a gorgeous waterfall to enjoy; take time to snap a few photos and catch your breath. Incidentally, there is a sign at the bottom of the falls discouraging visitors from swimming due to possible bacteria in the water; follow guidance and/or do your own research. Also worth noting: There is a $5 parking fee. hawaiitrails.hawaii.gov/trails/#/trail/manoa-falls-trail/225

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2. Soak in the Sunset at Waikīkī Beach

One of the top things to do in Honolulu is visit historic Waikīkī Beach. This is where the first hotel was built in 1901, and since then, it has become a hotspot for vacationers. Even if you aren’t staying nearby, it’s worth an evening visit to watch the pinks, purples, and blues of the sunset melt into the water. If you have kids in tow, hanging out at a beach is a free thing to do in Honolulu, which can be one of the ways families can afford to travel.

Consider having a cocktail at one of the many beachside bars to enjoy the experience.

3. Get Up Close to a Coral Reef

Another must on the list of fun things to do in Honolulu is Hanauma Bay State Park, which has been a protected marine life conservation area and underwater park since 1967. To protect the coral reef and its inhabitants, reservations are now required. There is a $3 parking fee and a $25 park entrance fee.

Once you’re in, you’ll be treated to a short video explaining the history of the park, as well as introducing you to the creatures that call it home. Take the tram down to the shore and spend the day snorkeling over coral reefs. Take an underwater camera so you can capture parrotfish, octopuses, sea urchins, puffer fish, and more. hanaumabaystatepark.com/

4. Swim with the Sharks

Not everyone will consider this one of the fun things to do in Honolulu, but some will enjoy this adventure. Several companies offer snorkel tours that give you instruction in this pursuit, and then, when suited up, you can hold onto a rope along the side of the boat and watch as sandbar sharks, hammerhead sharks, whale sharks, tiger sharks, and more drift by at a safe distance. You may also get the chance to free dive into the water for an extra thrill.

An outing like this, lasting a couple of hours, can cost about $150 per person. You might want to use a travel credit card and get points when paying for pricier activities like these.

5. Tour a Japanese Temple

Oahu has a strong tie to Japanese culture, and nowhere is that more evident than at the Byodo-In Temple. It was built in 1968 to commemorate the 100-year anniversary of the first Japanese immigrants in Hawaii. After paying $5 for adult admission (card only; no cash), tour the gorgeous gardens and temple, ring the giant sacred bell (Bon-sho), make an offering to the Amida Buddha, and feed the goldfish. You can also buy a souvenir in the gift shop. byodo-in.com/

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5. Revisit Pearl Harbor

For many, Honolulu is synonymous with Pearl Harbor, which was bombed in 1941 and is an important date in U.S. history. One of the best things you can do in Honolulu is take a tour and immerse yourself in what happened at Pearl Harbor during World War II. View the wreckage of this historic battle site; visit the Battleship Missouri, where the Japanese surrendered and ended the war; and learn from the WWII museum exhibits.

Ticket prices vary. Admission to the Submarine Museum is $12.99 for kids; $21.99 for adults. Admission to four exhibits and the Visitor Center is $44.99 for kids and $89.99 for adults. https://www.pearlharborhistoricsites.org/

6. Treat Yourself to Something Sweet

After a day of exploring Honolulu, you’ll be ready for a sweet break, and you’ll find that at the famous Liliha Bakery. There are five locations in Honolulu, often offering up to 150 different types of baked goods. Liliha is especially well-known for its craveable cream puffs in flavors like green tea and chocolate. If you go for lunch, save room for dessert! lilihabakery.com/

7. Explore the North Shore

If you’re a surfer (or surf-watcher), North Shore is the place to be. If you’re a beginner, you can take a surf lesson. If you’re a spectator, there are surf competitions like Vans Triple Crown of Surfing in the winter.

Not into surfing? No worries. The North Shore is still worth a visit: Haleʻiwa Town is a great place to shop at cute boutiques or grab a shave ice at Matsumoto’s.

8. Savor a Steak

Buzz’s Original Steakhouse has been an Oahu classic since it started serving up its prime cuts in 1962. Located across the street from Kailua Beach Park, Buzz’s is open for lunch, pupu (appetizers) and drinks, and dinner (Note: The website requests no tank tops after 4:30 pm; just sayin’). Fare includes beef spring rolls, poke, rack of lamb, and calamari steak, which cooks up a big portion of the calamari vs. just the tentacles. Buzz’s mai tais are said to be among the best on the island. buzzsoriginalsteakhouse.com/

9. Kayak to Mokoli’i

Mokoliʻi Island, also known as Chinaman’s Hat, is a cone-shaped island that’s a popular destination for visitors. You can kayak to the island, which is a short distance from Kualoa Point. Once you’re there, you can hike to the peak and wave to your friends on the opposite beach.

10. Dine at a Tea House

Here’s another piece of World War II history: the Natsunoya Tea House, which has been a tea house (under a different name) since 1921, was taken over by the U.S. government during the war and converted into a fire and first-aid station. After the war, it reverted to a teahouse. Today, it’s a sushi restaurant, Natsunoya, that also offers banquets and catering. natsunoyahawaii.com/

The Takeaway

For those dreaming of a vacation in Hawaii, Honolulu can bring together the best of big-city amenities and the relaxation of the country. The battle you’ll face is managing downtime with so many fun things to do in Honolulu, from beaches to hikes to historical sites and more.

Whether you want to travel more or get a better ROI for your travel dollar, SoFi can help. SoFi Travel is a new service exclusively for SoFi members that lets you budget, plan, and book your next trip in a convenient one-stop shop. SoFi takes the guessing game out of how much you can afford for that honeymoon, family vacation, or quick getaway — and we help you save too.


SoFi Travel can take you farther.

FAQ

What sweets is Honolulu known for?

People with a sweet tooth will be spoiled for choice in Honolulu. Popular snacks include cream puffs from Liliha Bakery, malasadas (fried dough), shaved ice, and poi donuts (poi is derived from taro root and has a purple hue).

Where can I see a waterfall in Honolulu?

Mānoa Falls is a beautiful and easily-accessible waterfall near Honolulu. Waimea Falls is another option, though it can sometimes be crowded.

How long do I need to see Honolulu?

Plan for a minimum of five days in Honolulu, and more if you plan to visit other spots in Hawaii.


Photo credit: iStock/okimo

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Top 10 Fun Things to Do in Maui

Maui, known as “The Valley Isle,” is a lush Hawaiian island famous for its whale and turtle sightings, as well as the Haleakalā volcano, which makes up 75% of the island. When it comes to the best things to do in Maui, of course a big part of the allure is just enjoying the fantastic scenery.

But there’s more to do than just gaze at the horizon. There are fantastic beaches and hiking trails to explore; there are cliff divers to watch and craters to climb. Plus it’s a food lover’s paradise.

To help you plan an amazing trip to this natural paradise, read on. You’ll learn the top 10 fun things to do on a Maui vacation, as well as tips to help you travel smarter.

Best Times to Go to Maui

There’s really not a bad time to go to Maui. The weather stays warm, with highs in the 75- to 85-degree range year-round during the day. Summer, especially July and early August, can be very popular, with singles, couples, and families embarking on summer travel. If you prefer to have a less crowded and more lowkey trip, you might prefer to plan your trip for April, May, or mid-August through September.

But if it’s whale-watching you’re after, January is the month to visit, because it’s their migration season.

Here are some annual events you might want to include in your travel plans.

•   February: Great Maui Whale Festival

•   March: Lahaina Whale and Ocean Arts Festival

•   May: Lei Day

•   June: Maui Film Festival

•   July: Lana’i Pineapple Festival

•   October: Hawai’ian Food & Wine Festival

•   December: Lighting of the Banyan Tree

Bad Times to Go to Maui

While there really isn’t a bad time to go to Maui, if you want to lessen the chance of getting rained on while enjoying the top things to do in Maui, avoid the rainy season, which is November to March. That said, Wailea, an area on the southwestern side of the island, has its own microclimate and tends to be drier year-round.

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Average Cost of a Maui Vacation

Hawaii isn’t known for being a budget traveler’s paradise. Because it’s an island, food has to be shipped in, which can cause it to cost more. And renting a car can get expensive, depending on the time of year and demand. But how much will your Maui vacation cost?

For a couple, expect to pay about $4,517 for a week in Maui. The actual cost will depend on your accommodations, largely. A hotel room can range from $102 to $467 a night, while a vacation rental could be about $240 to $440 per night. Keep in mind that these price estimates don’t include airfare getting to the island. When you are purchasing your tickets, you might want to use an airline credit card to rack up some bonus miles or other rewards.

You might also take advantage of book now, pay later travel to book flights when you see affordable options instead of waiting until the last minute when prices may spike.

One other expense to consider is travel insurance. Check if your credit card travel insurance will cover you; some card issuers offer this. Otherwise, you might rest easier if you buy a separate policy to protect yourself if something were to go awry.

10 Fun Must-Dos in Maui

Every Hawaiian island has its own unique features and things to do. Maui is an in-demand destination because of all of its incredible attractions. Here, based on travelers’ advice, locals’ picks, and the best-rated sights on the web, are 10 fun things to to when in Maui, Hawaii.

1. Watch the Cliff Divers at Black Rock

This event feels like an insider’s secret, but in reality, lele kawa, or cliff-diving off of Black Rock has been attracting thousands of tourists for 60 years. Hawaiians have been cliff-diving for centuries, and this twice-weekly ceremony, lasting about 10 minutes, continues the tradition.

Stake out a place to view the spectacular event at the Sheraton Maui before sunset. You don’t have to be a guest of the property to attend, though you may choose to enjoy a cocktail at the outdoor bar for prime seating. Otherwise, find a spot along the shore and wait for the torch lighting that signifies the start of this nightly ceremony. marriott.com/en-us/hotels/hnmsi-sheraton-maui-resort-and-spa/experiences/

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2. Go Ziplining

Another top thing to do in Maui: Ziplining, a great way to fulfill your need for speed and see the gorgeous landscape. There are several ziplining companies in Maui, allowing you to glide down lines above the treetops and take in breathtaking views of the island and the sea. One business, North Shore Zipline Company (nszipline.com/), operates on a historic World War II landmark site, and the guides provide interesting tidbits about Maui’s role in the war. Kapalua Ziplines’ Dual Zipline Mountain Adventure (kapaluaziplines.com/) is another option, allowing a pair of zipliners to glide down parallel paths together.

Prices can range from $100 to $200 or more, depending on how many ziplines you do. This attraction could be a good time to use plastic and reap some credit card rewards.

3. Savor a Luau

Some may find it a tad hokey, but a luau experience can be one of the most fun things to do in Maui for couples. These typically involve local delicacies (perhaps including roast pig cooked in the earth) and action-packed, flame-throwing dance performances. If you can go at sunset, you’ll likely have the backdrop of stunning pink and purple skies.

4. Snorkel with Turtles in Honokeana Bay

One of the top 10 things to do in Maui is snorkeling with sea turtles. While there are many places you can see them, sometimes the number of tourists scares them away at the more popular beaches. However, at sleepy Honokeana Bay, you’re more likely to bump into one.

This bay doesn’t have a sandy beach, so wear water shoes; you’ll likely have to climb over some possibly sharp lava rock to get into and out of the water. Bring an underwater camera to get a shot of these graceful creatures, but remember: Don’t touch them!

5. Follow the Road to Hana

If you love gorgeous road trips and don’t mind a few curves on your path, take a day to drive the Road to Hana. This winding road will have you cruising through rainforests, black beaches, sacred burial sites, and past gushing waterfalls. There are apps you can download to guide you to the best places to stop (and note: Cell service may be spotty, so download your map beforehand).

Another way to see this memorable sight: Let one of the local guides do the driving, and be a passenger. Plenty of options are available to tour this way.

6. Take to the Trails

Maui is truly a nature lover’s paradise, and there are hikes for every level of skill. For an easy, ambling hike along the coast, try Kapalua Coastal Trail, especially if you don’t have time to drive to one of the parks for a hike.

If you do have more time, try Waihe’e Ridge Trail, which rises 2,500 feet above sea level and puts you right in the heart of the mountains. You’ll also get to see some of the island’s most beautiful waterfalls.

7. Get Up Close to the Haleakalā Crater

At the heart of Maui is the Haleakalā volcano, which makes up 75% of the island. Visitors love watching the sunrise from the crater, though know that you need a reservation. You can also book a van or bike tour, camp, or explore the park on your own. The park is open 24 hours a day, while the visitor’s center is open 8 am to 3:45 pm There is a $1.50 fee per vehicle for sunrise; this low fee can be one of the ways families can afford to travel. haleakalacrater.com/

8. Cool Off With Shave Ice

No trip to Maui is complete until you’ve had shave ice from Ululani’s (that’s right; shave not shaved ice). Shave ice is a local treat and is just what it sounds like: bits of ice shaved from a block and doused with sweet syrup. It’s similar to a snow cone, though that’s made with crushed ice.

As for Ululani’s, this institution has been creating smiles with its sweet treats since 2008. Try a fun flavor like passionfruit, coconut, guava, mango, or macadamia nut on a hot day. ululanishawaiianshaveice.com/

9. Bask on a Black Sand Beach

Of course you need beach time, so why not head to the black sand beach of Waiʻānapanapa State Park? It’s a great selfie spot. The black color comes from eroded rock mixed with sand.

You can also picnic, swim, and snorkel there. If you’re traveling with a pet, know that the park allows leashed dogs, so it can be a good place to explore together.

To combat the throngs of visitors, the park now requires reservations, and entry is $5 per person plus a $10 parking fee. dlnr.hawaii.gov/dsp/parks/maui/waianapanapa-state-park/

10. Sip Mai Tais at Sunset

Another of the best things to do on a Maui vacation is enjoy Happy Hour. There’s nothing more romantic in Maui than enjoying a Mai Tai as the sun dips below the sea. There are several places you can get a delicious cocktail, including Ka’anapali Beach Hotel and Duke’s Beach House. Some places get crowded at sunset, so it’s often best to make a reservation.

The Takeaway

A trip to Maui can provide the opportunity to see some true natural wonders, relax, hike, and eat amazingly well. With attractions like the Road to Hana and cliff-diving ceremonies, Maui offers diverse attractions that make a stay there amazingly memorable.

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FAQ

What are the best things to do in Maui?

There’s plenty to do in Maui, from snorkeling with turtles to watching cliff divers at Black Rock. Also don’t miss experiencing a luau or the amazing sunsets over the water.

Where should I hike in Maui?

If you drive the Road to Hana, there are many trails along the way where you can view waterfalls. Other noteworthy hikes can be found at Kapalua Coastal Trail, Waihe’e Ridge Trail, and the Haleakalā Crater.

How long should I visit Maui?

With so much to see, not to mention the slow pace of the island, you’ll probably want to allow a minimum of five days in Maui.


Photo credit: iStock/Jacob Boomsma

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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Top 10 Fun Things to Do When Visiting Albuquerque

Alburquerque, New Mexico, can be an exciting destination to explore, whether you’re familiar with the Southwest or a first-timer. There’s the iconic hot air balloon festival, rugged landscapes, top-notch art museums, pueblos, and more to take in.

It’s New Mexico’s biggest city, with a modern downtown, but it also sits in the high desert and has retained elements of its past, making a fascinating town to visit for a weekend away or longer.

Here, you’ll learn some of the not-to-be-missed sights, as well as savvy tips to make your travel more enjoyable and get more for your money.

Best Times to Go to Albuquerque

The best time to go to Albuquerque is during the fall, between September and November. The temperature is warm and pleasant, in the 60s to 80s. October is also when the famous Albuquerque International Balloon Fiesta happens.

That said, the nine days of the Balloon Fiesta (the first two weekends in October, and the week between) are by far the most popular times to visit this otherwise quiet city. So expect to pay a premium for flights and hotels during this time.

Bad Times to Go to Albuquerque

June through September is the rainy season in the Southwest, but in between the rain, the city is warm and inviting. However, for some people, it may be too warm: The average daytime temperature in July can rise above 90 degrees. So that might put a damper on your summer travel.

Also keep in mind that the city isn’t all sunbaked and beautiful come winter. The average overnight temperature in January, the coldest month, is in the low 20s. Depending on your tolerance for cold and whether you plan on being outdoors much, that might be a less than ideal time to visit.

Average Cost of an Albuquerque Vacation

The estimated cost of a weeklong stay in Albuquerque for two people is $1,885 or $942 for one person. That doesn’t include transportation to get there and back, and of course prices will vary if you’re a traveler who’s happy at a basic chain hotel or one who prefers a high-end boutique location.

If you are visiting Albuquerque, you may want to look into staying in the Old Town area. Old Town is the site of the original city settlement in 1706, and has Native American and Spanish influences on the architecture and culture.

Prices to stay in Old Town will vary by time of year. For example, hotels in Old Town during the Albuquerque International Balloon Fiesta during the first week of October will cost about $500 a night or more. If you go just two weeks later, the same hotels run $150 to $250 a night, which can be a good tactic for how to save money on hotels. And thankfully, the town’s famous New Mexican food is surprisingly affordable, especially compared to fine dining in larger cities.

In general, Albuquerque is a fairly affordable city. Most attractions cost less than $30, with some costing only a few dollars. You can also find affordable and incredibly delicious food in the city. (Don’t miss the breakfast burritos, which can keep you fueled for hours, or the red chile enchiladas; more on food below.)

When you are booking a trip, you may see a “book now pay later” travel option. Proceed with caution: You could end up paying more in interest if you use this method.

Instead, you should save money ahead of time to use to pay for your trip. Make sure to research where to keep travel fund when saving for a trip. A high-yield savings account might be your best option as your money will be accessible but will also enjoy some growth as you save.

If you are thinking about booking a trip to Albuquerque but are worried that you may have unforeseen circumstances causing you to cancel your trip, look into travel insurance as a safety net. If you pay for your trip with certain credit cards, they may provide travel insurance for certain situations. You should understand how credit card travel insurance works when deciding whether to purchase private travel insurance or use your credit card protections.

10 Fun Must-Dos in Albuquerque

Now, onto the fun part: Figuring out what fun things to do in Albuquerque, New Mexico. This list was culled from people who visit the city often, locals, and those attractions that are top-rated online. The top 10 list includes things like museums, parks and festivals, including free and affordable options. Worth noting: Albuquerque is not a very walkable city, so you may want to look into renting a car in order to see the various attractions.

1. Be Amazed by Those Albuquerque Balloons

The Albuquerque International Balloon Fiesta is known as one of the largest and best balloon festivals in the world. The area’s dry climate is ideal for hot air ballooning. The Albuquerque International Balloon Fiesta is held every year for one week during the first week of October. You can see over 500 colored hot air balloons each morning just before sunrise. It’s a mesmerizing and memorable sight to see those brilliantly colored balloons fill the sky. Plus, there are fireworks, skydiving, and all kinds of other sky-focused attractions, as well as music and more.

General admission is typically $15 for those 13 and up; younger kids are free. You can opt for glamping and shipping container cabanas right at the Fiesta, but these can be pricey. (If you go for it, put it on your card that earns the best credit card rewards.) Hotels will also be expensive and crowded during this week. balloonfiesta.com/

2. Spend Some Time at the International Balloon Museum

Whether you are visiting during the Albuquerque International Balloon Fiesta and want to learn more or are visiting without seeing the balloons, the Anderson Abruzzo Albuquerque International Balloon Museum is a great stop. You’ll learn so much about these incredible flying machines, and there are interactive exhibits to keep kids entertained. There’s even a balloon flight simulator.

The museum is open Tuesdays through Sundays, except for Thanksgiving, Christmas and New Year’s Day. Admission usually ranges from $3 to $6; the first Friday of the month is free as are Sundays between 9 am and 1 pm. balloonmuseum.com/

3. Take in an Incredible View

If you want to see the beautiful Albuquerque landscape from above, the Sandia Peak Tramway delivers. You’ll see the city and the Sandia Mountains as you ride three miles on a cable car up the summit of Sandia Peak. These rugged mountains reach a peak of over 10,000 feet and are part of the distinctive landscape you’ll find in this part of New Mexico.

It’s not just the heart-stopping tram ride that you’ll enjoy. At the peak, you can take in the views, hike along the trails, or grab a snack at the restaurant. Sandia Peak Tramway is open Wednesdays through Mondays, from 11 am to 7 pm. Sandia Peak Tramway tickets cost $23 to $33 roundtrip, depending on the guest’s age. sandiapeak.com/

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4. Marvel at Masterpieces

Ready to learn about the art, history, and culture of the Southwest? The Albuquerque Museum, located in Old Town, Albuquerque, has a large collection of historic artifacts from the area, and exhibitions that feature renowned artworks. Depending on when you visit and what is being shown, you might see some canvases by Georgia O’Keeffe or photographs of the Civil Rights Movement by Danny Lyon.

The Albuquerque Museum is open Tuesdays through Sundays, from 9 am to 5 pm, and tickets cost $3 – $6. cabq.gov/artsculture/albuquerque-museum

5. Relive the Best “Breaking Bad” Scenes

The TV show “Breaking Bad” took place and was filmed partly in Albuquerque. If you’re a fan, hop aboard the Breaking Bad RV Tour. You can ride on a replica Bounder RV, just like Walter used as a mobile lab on the show, and visit local filming spots. The tour guides all worked as actors or crew on “Breaking Bad” or the sequel “Better Call Saul,” which makes the tour that much more fun. Tours cost $95 and start at 10 am Thursdays through Mondays. breakingbadrvtours.com/

6. Visit a Pueblo

Puebloans, or Pueblo people, are Native Americans who are indigenous to the New Mexico region and have a rich, centuries-old culture, rooted in farming and their distinctive, compactly planned communities. The Indian Pueblo Cultural Center is owned by the Pueblos of New Mexico, and is an educational facility where Pueblo dancers perform and the Indian Pueblo Kitchen serves traditional dishes, like fry bread and blue corn porridge, as well as Southwestern dishes. The center is located near Old Town and is open Tuesdays through Sundays from 9 am to 4 pm. Tickets cost $8 to $12. indianpueblo.org/

7. Take a Closer Look at Turquoise

Turquoise, the mineral, has been prized for ages as a gemstone, given its brilliant, intense shade of blue. New Mexico is known for its Indigenous turquoise jewelry, and you will undoubtedly have the opportunity to purchase pieces while visiting the city. You can also trek over to the Turquoise Museum and learn the history of mining and crafting turquoise, as well as see plenty of specimens. The museum is open on Mondays, Tuesdays, Fridays, and Saturdays. Admission to the museum costs $15 to $20. turquoisemuseum.com/

8. Discover the Flora and Fauna

A great way to spend an afternoon (or longer): Head to the ABQ BioPark, located in Old Town, Albuquerque. There’s much to see here, including a zoo with elephants, flamingos, and all kinds of other animals, an aquarium, a botanic garden, and Tingley Beach, which has free public fishing ponds (a great way to afford to travel as a family). The other attractions can be visited with individual tickets, costing in the range of $5 to $15 each, or with combination tickets, which can cost up to $22. The zoo, aquarium, and botanic gardens are open from 9 am to 5 pm daily, except for Thanksgiving, Christmas, and New Years Day. Tingley Beach is open from sunrise to sunset. cabq.gov/artsculture/biopark

Recommended: Credit Card Miles vs Cash Back

9. Get Your Fill at a Food Hall

Of course you’ll have plenty of great food options in New Mexico’s capital, but one fun stop is the Sawmill Market, which is billed as an artisanal food hall in the historic Sawmill district. You’ll have your pick of chicken mole tacos at Flora Taco To-Go, Frito pie at Red & Green, Mexican street food at Churro Y Corn, and Blueberry Mojitos at the Botanic Bar. sawmillmarket.com/

10. Trek along the Paseo del Bosque Trail

Ready to get outdoors and savor being in the Southwest? The Paseo del Bosque Trail can be one of the best things to do in Albuquerque. It’s a 17-mile paved walking and biking trail through central Albuquerque, running from the northern to southern edges of the Rio Grande’s cottonwood bosque, or forest. The trail is uninterrupted by road crossings, making it a great option for strolling when traveling with pets or young children. The trail also features public art, making it a terrific free thing to do in Albuquerque.

The Takeaway

Albuquerque is more than just its famous hot air balloon festival. The city can keep you busy with its array of museums, scenic views, indigenous culture, and great food. Among the top things to do in Albuquerque are getting acquainted with the history of the Puebloans, seeing the work of Southwestern artists, and spending a day in the city’s gardens and zoo. There’s plenty of fun to fill your days and nights.

SoFi Travel is a new service offered exclusively to SoFi members. Earn 2x rewards when booking with your SoFi Mastercard or debit card. Then apply those rewards to your next trip when you book through our travel portal. SoFi makes planning a getaway fast, easy, and convenient — perfect for people on the move.


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FAQ

What is Albuquerque famous for?

Albuquerque is most famous for its International Balloon Fiesta, which happens in the beginning of October each year. However, there are a lot of other things to do in Albuquerque throughout the year. It’s also famous for southwestern food, including dishes served “Christmas style,” covered in green or red chile sauce. For breakfast, go to any Wecks for huge portions of New Mexican favorites, but expect lines on the weekends.

How many days do you need to see Albuquerque?

Albuquerque is a small to mid-sized city, so you can probably see most attractions in a few days. Albuquerque is perfect for a long weekend trip.

What are things to do in Albuquerque with kids?

Albuquerque has several family-friendly attractions, like the ABQ BioPark and the Anderson Abruzzo Albuquerque International Balloon Museum. There’s also the nature and science museum and the Explora kids museum, right next to each other. Most ticketed attractions in Albuquerque cost only a few dollars for kids, or are free.


Photo credit: iStock/Sean Pavone

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Tips for Finding a Lost Bank Account

Losing track of money might seem hard to imagine, but it’s actually not uncommon to forget about an old bank account or other source of money that is rightfully yours.

It could be an account you opened a long time ago that, after one or two moves, became both out of sight and out of mind. Or, it might be lost paycheck, an old 401(k), or an unclaimed pension.

In fact, roughly 1 in 10 people have unclaimed assets waiting for them, according to the National Association of Unclaimed Property Administrators (NAUPA) . They report that billions of dollars in unclaimed property are currently being held by state governments and treasuries within the U.S.

If you’ve lost track of money that belongs to you, however, there’s no reason to panic, or consider the money gone for good. There are a number of ways to locate lost assets from a bank or other type of financial account, and most of them are completely free. It might take a bit of (virtual) leg work, but finding the unclaimed money due to you can be worth the effort.

How to Find an Old Bank Account

If you’ve accessed the account within the past year, you might be able to recover the account directly from the bank. Exactly how to recover a lost bank account will vary based on the financial institution. Your account information can be found on checks and often on old account statements.

If it’s been longer than a year, you might have to dig a little deeper to recover a lost bank account.

When a bank or other business loses contact with an account holder, they are legally required to turn any assets over to the state, typically after two to three years of inactivity or returned mail.

That’s why a good place to start a quest for older unclaimed property is often through your state’s unclaimed property office. The unclaimed funds held by the state are typically from bank accounts, insurance policies, or your state government.

When you click on a state, you will be directed to its official website. To search for your unclaimed money, you may want to use both your current and maiden name (if you legally changed your last name).

Another good resource for tracking down unclaimed money is MissingMoney.com . This is a multi-state directory operated by the NAUPA that allows you to search by name for missing or unclaimed money.

If you belonged to a credit union in the past, it may be worth checking the unclaimed deposits listing run by the National Credit Union Administration.

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Other Sources of Unclaimed Money

Unclaimed money isn’t limited to forgotten bank accounts.

There are a variety of reasons you could be missing money due to you — perhaps you switched jobs and lost track of a 401(k) or pension plan. Or, maybe you forgot to update your address and missed a payment or tax refund.

If you previously worked for a company that offered a pension plan, you can search the Pension Benefit Guaranty Corporation’s unclaimed pension database.

For lost or missing retirement plan funds, you could check the National Registry of Unclaimed Retirement Benefits, which is operated by PenChecks Trust, one of the largest providers of retirement plan distribution services.

USA.gov helps you search for assets due from employers, insurance companies, and the government (including tax refunds).

Recommended: How Long is a Check Good For?

How to Claim Lost Money

If you find unclaimed assets in your name, the next step is to fill out a form or make an online request to make your claim.

Each state will typically have its own rules and regulations for how individuals should go about proving ownership of the unclaimed money held by the government. Generally, states will require substantial evidence that the money rightfully belongs to you.

Claims typically require showing proof of identity (such as information from a driver’s license or passport), any former residential addresses, and documentation showing your right to ownership of the assets.

If the owner is deceased and you inherited the assets, additional documents are typically required. This may include a death certificate, as well as a probate court order.

Recommended: Can You Reopen a Closed Bank Account?

Are Companies That Help You Reclaim Assets Legit?

As you’re searching for lost bank accounts, you may find businesses that offer to find unclaimed money, generally for a fee. Sometimes known as “finders,” these are companies that are looking to earn money by reuniting people with their lost assets.

While it’s fine to pay someone to help you get lost money returned to you, you may want to keep in mind that you can complete a search and submit a claim for free by yourself.

It’s also a good idea to keep your eyes open to potential fraud. Unsolicited emails or letters offering to return unclaimed property to you for a fee, for example, are often scams.

You may also want to be wary of an organization or individual who claims to be a part of the government and offers to send you unclaimed money for a fee, as these are likely to be scams. Government agencies will not contact individuals about unclaimed money, nor will they charge a fee.

If somebody contacts you regarding missing money, it’s a smart idea to do some research on the business before handing over any personal information, and also to avoid paying any money up front.

The Takeaway

Many people have unclaimed money floating around somewhere.

Often this money comes from funds found in banks, financial institutions, or companies that haven’t been in contact with the owner for over a year and, as a result, the funds have been turned over to the state.

A good place to start looking for unclaimed assets is NAUPA’s database of records from all 50 states. From there, you can find links to each state’s official unclaimed property program.

What to do if you come into some unexpected money? Whether your windfall is large or small, you may want to consider putting it into a checking and savings account like SoFi Checking and Savings. With SoFi, you can earn a competitive annual percentage yield (APY), save, and spend, all in one place. And SoFi Checking and Savings doesn’t have any account fees which could eat away at your newfound cash.

Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall. Enjoy up to 4.60% APY on SoFi Checking and Savings.


SoFi® Checking and Savings is offered through SoFi Bank, N.A. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.
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.


SoFi members with direct deposit activity can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.

SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.

SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.60% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.

Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.


Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

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How to Make a Will 7 Steps_780x440

How to Make a Will: 7 Steps

It’s easy to put off writing a will. The process can seem complicated, not to mention expensive. And, if you’re single and don’t own a house, you may also feel like a will is unnecessary.

But writing a will actually doesn’t have to take a lot of time, or money. And even if you don’t have a lot of assets, having a will can give you peace of mind that your preferences will be followed.

Here’s what you need to know to write your own will.

What Is a Will?

Simply defined, a will (also known as a last will and testament) is a legal document that details what you want to be done with your possessions after your death. Your will may also identify a guardian if you have young children, as well as an executor, the person who will carry out the terms of your will.

What a will doesn’t cover is any asset in which you’ve designated beneficiaries. Named beneficiaries override a will. For example, if you designate all your property to go to your parents but you have a life insurance policy in which your brother is listed as a beneficiary, your brother will get the life insurance payout while your parents would get the rest of your assets.

There are other important documents people may create at the same time as they create a will, and are all a part of an estate plan. These include:

•   Living will If you were to become incapacitated, what are your preferences as far as medical treatments? This document legally outlines your wishes.

•   Power of attorney If you are unable to make decisions for yourself, who has the authority to make those decisions on your behalf? Power of attorney may be divided into medical power of attorney — the person who has power to make medical decisions for you — and financial power of attorney. Both can be the same person.

•   Do Not Resuscitate (DNR) order This document communicates that, in the event of your heart no longer beating or you no longer being able to breathe independently, that you do not want doctors to perform any life-saving action.

•   Organ and tissue donation If you were to die, would you want your organs and tissue to be donated? Having a form explicitly stating your wishes can make it easier for loved ones to fulfill your desires, instead of guessing what they think you would have wanted.

Not all documents need to be filled out at once. For example, some people may only fill out a DNR order if they have a terminal illness or are unlikely to recover.

Recommended: Important Estate Planning Documents to Know

Dying Without a Will

Even if you think you own nothing of great value and you’re still working on money management, chances are you do your own things that matter to your family. And if you die without a will, your loved ones may become involved in a complicated court process that will freeze your assets until state inheritance laws are followed.

If you’re single and die without a will, your assets will likely go to your closest blood relatives, which may be your parents or siblings. While this may be the preferred choice for some people, having a will allows you to earmark certain assets (or pets) for a charity or close friends.

It’s also a final chance to communicate your wishes to your loved ones and allows your loved ones to avoid a potentially drawn-out court process.

Dying without a will can become even more problematic if you have children. If you die without a will, the court will appoint a guardian. And, while the court attempts to choose a guardian with the best interest of children in mind, that choice may not be the same choice you would make.

How To Create a Will

Below are simple steps that can help you make a will.

1. Choosing How You’ll Create Your Will

For people who own a lot of property or assets, and may want to set up trusts as a way to minimize taxes and ensure their heirs follow their wishes, it can be well worth the investment to hire an attorney who can walk them through the basics of estate planning.

However, online templates and will-creating platforms can be sufficient for many people. These DIY options can be much less expensive than working directly with an attorney and are legal and binding provided they are signed appropriately. Some of these online options are even free.

Recommended: How to Write a Will Online in 8 Steps

2. Making a List of Your Assets

In order to leave property to your loved ones, you need to know exactly what you have. So it can be a good idea to start by making a list of all your significant assets, including jewelry, artwork, real estate/land, cars, and bank accounts that don’t name a beneficiary.

If you have retirement funds and/or life insurance, you don’t need to write out who is going to receive the proceeds, as these require naming beneficiaries within the account or policy.

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3. Being Specific About Who Gets What

Once you have a list of all your assets, you can decide who you would like to get what. Here, it’s helpful to be as specific as possible, such as using full names and being detailed in describing the assets.

4. Considering Guardianship

For many parents, including pet parents, guardianship can be the most fraught element of their will. This can be a decision that takes time.

For example, some parents love the bond their children have with their grandparents but worry about how aging parents would handle the physical stressors of raising young kids. Other parents may wish to appoint a sister or brother who already has children, so their own kids can be brought up alongside other children. There is no wrong answer, but thinking through contingencies and what-ifs can be helpful in making the most informed decision.

It can also be a good idea to discuss the idea of guardianship with the intended recipient. Maybe a single uncle loves your kids but is uncomfortable taking on the role of parent, or maybe grandparents have similar reservations as to their fitness for taking on the role.

Recommended: New Parent’s Guide to Setting Up a Will

5. Choosing an Executor

Naming an executor for your will is an important choice. This is the person who will make sure that the wishes laid out in your will are followed. The duties of an executor include paying any remaining bills and debts, distributing your assets, and handling probate (transferring the titling of assets).

If you wish, you can name more than one person as an executor of your will.

6. Signing Your Will and Storing it in a Safe Place

A will is only legal when it is made legal — that is, printed and signed according to instructions. You generally need to sign a will in the presence of at least two witnesses. In some cases (such as if you’re using a document called a “self-proving affidavit” to simplify the process of going through probate court), your signature must be notarized as well.

You’ll also want to make sure you keep copies as directed. Many people keep a physical copy in a safe place, as well as a digital copy. Some might also share their will with their executor, or tell them where it is so it can be easily and quickly accessed if you were to die unexpectedly.

7. Updating Your Will as Appropriate

As your life changes, you may need to return to your will and update it. This could be due to:

•   Asset changes. Buying a house, opening an investment portfolio, and other financial moves may lead you to revisit your will.

•   Relationship changes. If you get married or have a serious partner, you may want to change your will to reflect that.

•   The addition of children or pets to your family.

•   The death or incapacitation of an appointed guardian.

It can also be good practice to assess your will after every life change, or every year or so. To update a will, you can either write what’s called a codicil (essentially a document stating any updates, written and signed by witnesses) or create a new will, depending on the extent of the changes.

The Takeaway

While the topic of death and end-of-life wishes can seem overwhelming, creating a will can be relatively straightforward. And, thanks to the many online templates now available, you can often make your own will for a relatively low flat fee, or even for free.

The process of writing a will typically includes coming up with a list of assets, choosing where you’d like each asset to go, as well as choosing a guardian (if you have children) and an executor of your will.

While you may not think you need a will, having one (and updating it as appropriate) can be a gift to your loved ones when they may need it most.

As you get your affairs in order, you may also want to get your financial life organized. One simple step that can help is opening an online bank account, such as SoFi Checking and Savings. With SoFi Checking and Savings, you can spend, save, and earn a competitive annual percentage yield (APY) — all in one place. Plus, you won’t pay any annoying account fees.

Better banking is here with SoFi, NerdWallet’s 2024 winner for Best Checking Account Overall. Enjoy up to 4.60% APY on SoFi Checking and Savings.


SoFi® Checking and Savings is offered through SoFi Bank, N.A. ©2023 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.
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.


SoFi members with direct deposit activity can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.

SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.

SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.60% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.

Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.


Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

This article is not intended to be legal advice. Please consult an attorney for advice.

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