This is not an offer, or solicitation of any offer to buy or sell any security, investment or other product. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance, historical returns, future projections, and statistical forecasts are no guarantee of future returns or future performance.
SoFi Checking and Savings is offered through SoFi Securities LLC.
The SoFi Checking and Savings World Mastercard® debit card is issued by Bancorp. Mastercard is a registered trademark of Mastercard Association and is used by Bancorp pursuant to a license from Mastercard.
Advisory services are offered through SoFi Wealth, LLC a registered Investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov/.
The umbrella term “SoFi Invest” refers to the three investment and trading platforms operated by Social Finance, Inc. 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.
For additional disclosures related to the SoFi Invest platforms described above, including state licensure of Sofi Digital Assets, LLC, please visit Sofi.com/legal.
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.
“SoFi Invest” is the brand name for brokerage products and services offered through SoFi Securities LLC (SFS) Member FINRA/SIPC including SoFi Checking and Savings®, advisory services offered through SoFi Wealth LLC (SFW) an SEC Registered Investment Adviser, and cryptocurrency services offered through SoFi Digital Assets, LLC (SDA). SFS, SFW, and SDA are affiliated companies under the common control of Social Finance, Inc. (SoFi). Neither SoFi nor its subsidiaries are a bank.
Credit Card accounts are subject to additional credit approval. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS PROSPECTIVELY BASED ON MARKET CONDITIONS AND BORROWER ELIGIBILITY. Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by The Bank of Missouri (“TBOM”) (“Issuer”), as issuer. Please allow up to 30 days from date of submission to process your application. The card offer referenced in this communication is only available to individuals who are at least 18 years of age (or of legal age in your state of residence), and who reside in the United States. The SoFi Credit Card is issued by TBOM 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.
¹ SoFi Lending $10 Check Your Rate and $350 Funding Promotion (“Promotion”): This Promotion is offered by SoFi Lending Corp. or an affiliate (“SoFi”). SoFi reserves the right to change or terminate this Promotion at any time with or without notice to you. Additional terms and conditions may apply. Promotion is void where prohibited by state law.
Eligible Participants: The Promotion is open to anyone who resides within the United States and is of the age of majority in the state in which they reside. $10 Bonus: To receive the $10 bonus in the form of a gift card through the Promotion you must (1) click the link in the promotion; (2) start your loan application before 1/31/21; and (3) agree to a soft credit pull before 1/31/21 on www.SoFi.com to check your rate for one of the following SoFi products: Student Loan Refinancing, Personal Loans, Home Loans, or Private Student Loans. In order to be eligible to claim a bonus when checking your rate for a Student Loan Refinance loan, you must be able to provide proof that you are currently a borrower on a qualified education loan that is eligible for refinancing with SoFi. Checking your rate will not affect your credit score. If you later decide to submit an application and agree to a hard credit pull your credit score may be impacted. Participants will receive the $10 bonus gift card regardless of whether or not they are pre-qualified for a SoFi loan product. $350 Bonus: To receive the $350 welcome bonus offer, you must: (1) click the link in the promotion; (2) start a student loan refinance, personal loan, or private student loan application before 1/31/21; (3) fund a student loan refinance, personal loan, or private student loan before 2/15/21; (4) have and provide a valid US bank account to receive the bonus; (5) complete Form W-9; (6) and meet SoFi’s underwriting criteria. The $350 funding bonus is not available for Ohio residents, or for SoFi Home Loans, and cannot be combined with any other welcome offer, bonus or discount. Bonuses that are not claimed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Notwithstanding the above, SoFi reserves the right to exclude any consumer from participating in the Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.
Promotion Period: The Promotion is available beginning on 12:00am Eastern Time on January 4, 2021 and ending 11:59 PM Eastern Time on January 31, 2021. Participants are limited to one (1) $10 gift card bonus and one (1) $350 bonus per product, and up to up to three (3) $10 gift card bonuses and three (3) $350 bonuses per household.
Payout: All $10 bonus gift card payouts are fulfilled by SoFi’s vendor Customer Motivators. Eligible participants will receive an email from Customer Motivators with a unique code and a link to a web page to redeem for a $10 bonus gift card. For the $350 welcome bonus, once conditions are met, you will receive your $350 welcome bonus via automated clearing house (ACH) into your checking account within 30 calendar days.
Tax Consequences: 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 as required 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.
² The following describes the terms that apply to participation in the SoFi Checking and Savings Holiday Roundups Match Program (“Program”) offered by SoFi Securities LLC (“SoFi”). This Program is offered solely by SoFi, and not by any named merchant or any other third party. Qualifying SoFi Checking and Savings Members are opted into the Program by opting in to Roundups feature and using their SoFi Checking and Savings debit card to make a purchase. Promotion Period: The Program will be available between 1/4/2020 at 12:00 AM PST and 1/31/2020 at 11:59 PM PST. Eligible Participants: Participation in the Program is open to all SoFi Members with a SoFi Checking and Savings account with $500 in monthly deposits or more, or an account that was opened prior to June 9, 2020, who reside within the United States and have opted in to the Roundups feature. Eligible Transactions: All purchases using a SoFi Checking and Savings debit card and posted during the Promotion Period, are eligible for Cash Back under the terms of the Program. P2P transfer transactions (e.g. Venmo/Paypal/Square) and wire transfer transactions are excluded. Cash Back Terms: For each Eligible Transaction posted during the Promotion Period, Members will receive a credit to their SoFi Checking and Savings account equal to to 100% of the Roundup for that transaction, up to a maximum aggregate cap of $25 during the Promotion Period.
• Purchases of whole dollar amounts (e.g. $1.00) will not be rounded up and therefore will not receive cash back.
• Cash Back credits may post up to 5 business days after the eligible transactions are posted.
• There is a maximum aggregate cap on Cash Back bonuses of $25 per Account for this Program.
• Purchases that are made when Roundups are not enabled for an account will not receive cash back and cannot be backdated.
SoFi is not liable for payment delays caused by named merchants or any third-party vendors. SoFi reserves the right to exclude any Members from participating in the Program for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to the Program at any time.
* You can earn rewards points of 1% of all eligible purchases. If you elect to redeem points as cash deposited into your SoFi Checking and Savings® account, for shares in your SoFi Invest® account, or as payments to a SoFi Student or Personal Loan, then SoFi will match the value with an additional 1% in cash, so you will receive a total of 2% cash back. For more details, please see SoFi.com/card/rewards. Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA/SIPC.
Ladder offers term policies in New York (policy form # MN-26) that are issued by Allianz Life Insurance Company of New York. Term policies are issued in all other states and DC by Fidelity Security Life Insurance Company, Kansas City, MO (policy form No. ICC17-M-1069 and M-1069). Coverage and pricing is subject to eligibility and underwriting criteria. SoFi Agency and its affiliates do not guarantee the services of any insurance company. The California license number for SoFi Agency is 0L13077 and for Ladder is OK22568. Ladder, SoFi and SoFi Agency are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other. Social Finance, Inc. (SoFi) and Social Finance Life Insurance Agency, LLC (SoFi Agency) do not issue, underwrite insurance or pay claims under LadderLifeTM policies. SoFi is compensated by Ladder for each customer that completes an application through the SoFi-Ladder partnership.
SoFi offers customers the opportunity to reach Ladder Insurance Services, LLC to obtain information about estate planning documents such as wills.
Social Finance, Inc. (“SoFi”) will be paid a marketing fee by Ladder when customers make a purchase through this SoFi Protect link.
All services from Ladder Insurance Services, LLC are their own. Once you reach Ladder, SoFi is not involved and has no control over the products or services involved.
The Ladder service is limited to documents and does not provide legal advice. Individual circumstances are unique and using documents provided is not a substitute for obtaining legal advice.
LadderLifeTM term life is a term life insurance policy made available through Ladder Insurance Services, LLC (Ladder) and underwritten by Fidelity Security Life Insurance Company, Kansas City, MO. Product availability and features may vary by state. Not available in New York. The California license number for Ladder is OK22568. Policy Form No. ICC17-M-1069, M-1069. Policy No. TL-146.
✝ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify for lending products, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)
SoFi receives compensation in the event you obtain a loan through the Lantern marketplace. This Lantern site is operated by SoFi Lending Corp to help you with your loan search.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
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