SoFi Blog

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for your financial moves.

Nov
19
2025

SoFi Essential Card – 9 month promotion terms

By | 1_Web_CreditCard | Comments Off on SoFi Essential Card – 9 month promotion terms

SoFi Essential Credit Card Terms & Conditions

SOFI CREDIT CARD TERMS OF OFFER INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

0% Introductory APR on purchases for the first 9 months from account opening. After that, your standard purchase APR will be 32.99%, based on your creditworthiness. Your standard APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

0% Introductory APR on balance transfers for the first 9 months from the date of first transfer when transfers are completed within 60 days from the date of account opening. After that, your standard purchase APR will be 32.99%, based on your creditworthiness. The standard APR will vary with the market based on the Prime Rate. The maximum amount you may use for Balance Transfers will not exceed 75% of your total Credit Limit.

Annual Percentage Rate (APR) for Cash Advances

30.74%. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases made during the most recent billing cycle if you pay your entire balance (adjusted for any financing plan, if applicable) in full on or before the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore

FEES
Annual Fee None
Transaction Fees

  • Balance Transfer Fee
  • Cash Advance Fee

  • The greater of $10 or 5% of the Balance Transfer
  • The greater of $10 or 5% of the Cash Advance
Penalty Fees

  • Late Payment Fee
  • Returned Payment Fee

  • Up to $41
  • None

How We Will Calculate Your Balance

We use the “daily balance” method including new transactions, to calculate the daily balance on which we will charge interest.

Loss of Introductory APR

We may revoke any promotional APR if you fail to make a payment of at least the minimum payment due within 60 days of the due date. Your new APR will be the Standard Purchase APR.

Variable Rates

Your Daily Periodic Rate(s) and corresponding Annual Percentage Rate(s) will change if the Prime Rate changes. If the Daily Periodic Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will increase, and your minimum payment will be greater. Complete details regarding how the variable rate is determined are set forth in the Cardholder Agreement.

Payment Allocation

We decide how to apply your payment, up to the minimum payment, to the balances on your account. We may apply the minimum payment first to interest charges, then to the balances with the lowest APR and then to Balances with higher APRs.

If you pay more than the Minimum Payment, we’ll apply the amount over the Minimum Payment first to the Balance with the highest APR, then to the Balance with the next highest APR, and so on, except as otherwise required by applicable law.

SoFi Essential Card Terms & Conditions

The SoFi Essential Credit Card is issued by SoFi Bank, N.A. (“SoFi”, “we”, “us”, or “our”). By submitting this application, you request that we establish a card account (the “SoFi Credit Card Account”) for you and any authorized users you have designated. You agree that all information provided in this application is verifiable and accurate. The SoFi Credit Card Account will be governed by the terms of the cardholder agreement (“Cardholder Agreement”) which will be provided when the SoFi Credit Card Account is issued.

Your eligibility for a SoFi Credit Card Account or a subsequently offered product or service is subject to the final determination by SoFi Bank, N.A., as issuer. Please allow thirty (30) days from the date of submission to process your application.

You must be at least 18 years of age (or of legal age in your state of residence). The card offer referenced in this communication is only available to individuals who reside in the United States. This communication is not and should not be construed as an offer to individuals outside of the United States.

Identity Verification

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a SoFi Credit Card Account. This means that we will ask for your name, address, date of birth, and other information that will allow us to identify you when you open a SoFi Credit Card Account. We may also ask to see your driver’s license or other identifying documents; and obtain identification information about you or any authorized user you add to your SoFi Credit Card Account.

Credit Reports

Upon completion of your Credit Card application and submission, you authorize us to request a copy of your credit report from one or more consumer agencies. Upon receiving your completed application, we will conduct a soft credit pull, which will not impact your credit score. You hereby authorize us to conduct a soft credit pull upon receipt of your application. You understand that after evaluating your completed application and soft pull credit report, we may determine not to offer credit to you. If we approve your application, we will conduct a hard credit pull, which might impact your credit score. You hereby authorize us to conduct a hard credit pull following approval of your application.

You authorize us to request credit reports and other information about you from consumer reporting agencies and other sources, for such purposes as: (a) determining whether to issue you a SoFi Credit Card Account, (b) administering, reviewing and renewing the SoFi Card Account, (c) credit line increases or decreases, (d) collection and other servicing of the SoFi Credit Card Account, (e) offering other products, (f) services, and (g) for any other uses permitted by law. We may report negative information about your SoFi Credit Card Account payment history, like delinquencies, to consumer reporting agencies.

Cardholder Agreement

If you are approved for a SoFi Credit Card Account, you’ll receive the Cardholder Agreement. By activating your SoFi Credit Card Account, using the SoFi Essential Credit Card or making any payment to your Account, you are agreeing to be bound by the terms of the Cardholder Agreement. We have the right to make changes to the terms of your SoFi Credit Card Account (including rates and fees) in accordance with the Cardholder Agreement.

In New York, this Agreement begins on the first date that you sign a sales slip or memorandum evidencing the purchase of goods or services.

Credit Eligibility

To receive a SoFi Credit Card Account, you must meet certain applicable criteria bearing on creditworthiness. Your revolving credit limit may be determined based on the following:

  • Your annual salary and wages
  • Any other annual income
  • A review of your debt, including the debt listed on your credit report.
  • A review of your credit history and other factors deemed relevant by the issuer

We’ll inform you of your revolving credit limit when you’re approved for your SoFi Credit Card Account. Some credit limits may be as low as $500.

About Adding An Authorized User

Before adding an authorized user to your SoFi Credit Card Account you should know that:

  • You’re responsible for all charges made to your SoFi Credit Card Account by the authorized user
  • Authorized users have access to your SoFi Credit Card Account information
  • Before adding an authorized user, you must first let them know that we may report SoFi Credit Card Account performance to the credit reporting agencies in the authorized user’s name
  • A review of your credit history and other factors deemed relevant by the issuer

If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.

Additional Information

Any benefit, reward, service or feature offered in connection with your Card Account may change or be discontinued at any time for any reason, except as otherwise expressly indicated. SoFi Bank isn’t responsible for products and services offered by other companies.

SoFi Essential Credit Card Rewards Program

With the SoFi Essential Credit Card, you can earn rewards offered through the SoFi Member Rewards Program or other rewards offered from time to time, and you can redeem those rewards points for statement credits and other redemption methods offered through the SoFi Member Rewards Program. More details on SoFi Essential Credit Card Rewards can be found here.

SoFi Member Rewards Program

As a SoFi Member, you can earn points by using features across SoFi products that are designed to help you Get Your Money Right. When you elect to redeem rewards points toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or towards SoFi Travel purchases, your rewards points will redeem at a rate of 1 cent per every point. More details on the SoFi Member Rewards Program can be found here.

Standard Mastercard Benefits

You are also eligible for more rewards through the Standard Mastercard Benefits program when shopping with eligible merchants. More details on the Standard Mastercard Benefits program can be found here.

Fraud, Misuse, Abuse, or Suspicious Activity

If we see evidence of fraud, misuse, abuse, or suspicious activity, we’ll investigate and, if we determine that fraud, misuse or abuse has occurred, we may take action against you. This action may include, without limitation and without prior notice:

  • Taking away the rewards points you earned because of fraud, misuse, or abuse
  • Suspending or closing your SoFi Credit Card Account
  • Taking legal action to recover our monetary losses, including litigation costs and damages

Some examples of fraud, misuse, abuse and suspicious activity include:

  • Using your SoFi Credit Card Account in an abusive manner for the primary purpose of acquiring rewards points
  • Using your SoFi Credit Card Account other than primarily for personal, consumer, or household purposes

SoFi Bank reserves the right to take action, including but not limited to those actions enumerated above, based on your activity across any SoFi product, as well as external information received from SoFi third-party vendors, external bureaus, or industry referrals.

Special Notices

California Residents:
If married, you may apply for a separate account.

Delaware Residents:
Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Ohio Residents:
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

Wisconsin Residents:
If you are applying for individual credit or joint credit with someone other than your spouse, and your spouse also lives in Wisconsin, combine your financial information with your spouse’s financial information. No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under section 766.70 adversely affects the interest of the lender, unless the lender, prior to the time credit is granted, is furnished a copy of the agreement, statement of decree or has actual knowledge of the adverse provision when the obligation to the lender is incurred. If married, you understand that your lender must inform your spouse if a credit account is opened for you.

Additional documents

As a reminder, the SoFi Essential Credit Card is a completely digital product. All written communications related to the card will be online or in electronic format. The following is a link to the SoFi Esign terms and conditions & you must agree to in connection with your application for the SoFi Essential Credit Card.

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Nov
18
2025

mra full LP test

By | Uncategorized | Comments Off on mra full LP test

{/* OFFER – HERO 1 */}


SoFi Checking and Savings

{/* DISCLOSURE CONTENT */}

{/* Up to $300 bonus */}

Earn up to $300 bonus.
Open a new SoFi Checking and Savings account and earn a $50 or $300 cash bonus with eligible direct deposit of $1,000 or more.

*Who is eligible for a Direct Deposit Bonus?

New and existing SoFi members who have never set up direct deposit with SoFi are eligible for our Direct Deposit Bonus. Bonuses are limited to one per SoFi Checking and Savings account. In the case of a joint account, only the primary account holder (the member who signed up first) is eligible for a bonus.

How do I earn the Direct Deposit Bonus?

1. Set up your first Eligible Direct Deposit. SoFi must receive it on or before 1/31/26.

2. Once SoFi receives and recognizes your first Eligible Direct Deposit, we will add up the Total Eligible Direct Deposits received over the next 25 calendar days. This total will determine the bonus amount.

Total Eligible Direct Deposit Bonus Amount Timing
$1.00 – $999.99 $0 To determine your bonus amount, SoFi will add up all your Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit.
$1,000.00 – $4,999.99 $50
$5,000.00 or more $300

3. You will receive the bonus amount in your SoFi Checking account within 7 business days of completing all requirements listed above. You are only eligible to receive one bonus amount. You must have an open SoFi Checking account in good standing at the time of the bonus payment.

What is an Eligible Direct Deposit?

Eligible: Recurring ACH deposit of regular income to your SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by your employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”)

Not Eligible: Deposits that are not from an employer, payroll or benefits provider or government agency and deposits that are non-recurring in nature are not eligible. Examples of deposits that are not eligible include check deposits, peer-to-peer transfers (e.g., transfers from Zelle, PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), bank ACH funds transfers, wire transfers from external accounts, and IRS tax refunds. SoFi Bank shall, in its sole discretion, assess your Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your initial Eligible Direct Deposit. After SoFi validates the details of your Eligible Direct Deposit, your Direct Deposit Bonus will be based on the date we received your initial Eligible Direct Deposit.

What else is important to know?

This promotion is available between 12/7/2023 at 12:01AM ET and 1/31/2026 at 11:59PM ET. SoFi reserves the right to modify or end the promotion at any time without notice. The terms of this promotion take precedence over the terms of any prior Direct Deposit promotion.

SoFi reserves the right to exclude any members from participating in this promotion for any reason, such as suspected fraud, misuse, or suspicious activity.

SoFi members with Eligible Direct Deposit activity can earn 3.60% annual percentage yield (APY) on savings balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.

Bonuses are considered income and may be reportable on IRS Form 1099-INT or Form 1042-S as applicable. SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.

This promotion is offered by SoFi Bank, N.A, Member FDIC (“SoFi”)

{/* APY BOOST */}

For a limited time, boost your savings APY to 4.30% for six months. Here are the necessary steps:

•   Open a new SoFi Checking and Savings account by 1/31/26.

•   Become a SoFi Plus member within 60 days by setting up eligible direct deposit or enrolling in a $10/month subscription.

•   Enjoy a 0.70% APY boost on your savings for six months, as long as you maintain your SoFi Plus membership.

SoFi Plus members can earn up to 4.30% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.60% (rate current as of 11/12/2025). Rates are variable and subject to change.

SoFi Boost APY Promotion Terms

The following terms and conditions (the “Terms”) apply to the SoFi APY Boost Promotion (the “Promotion”), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield (“APY”) boost to the APY earned on their SoFi Savings account (the “0.70% APY Boost”) for up to six months by completing the required actions described below.

Promotion Period:

August 5, 2025 at 12:00 a.m. E.T. – January 31, 2026 at 11:59 p.m. E.T.

Who is eligible for the Promotion?

Members who are new to SoFi Checking and Savings AND new to SoFi Plus as of 8/5/25 are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. You may have previously enrolled in SoFi Plus by either receiving eligible direct deposits or paying the SoFi Plus Subscription Fee. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost.

What qualifying activities do I need to complete to earn the 0.70% APY Boost?

In order to receive the 0.70% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.

Option 1

Open a new SoFi Checking and Savings account between 8/5/2025 and 1/31/2026;
AND
Enroll in SoFi Plus within 60 days after opening your SoFi Checking and Savings account by either:
Setting up and maintaining Eligible Direct Deposit, or
Paying and maintaining the SoFi Plus Subscription Fee
AND
Maintain your SoFi Plus subscription for a period of six months.

Option 2

Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 1/31/2026; AND
Open a new SoFi Checking and Savings account by 1/31/2026; AND
Maintain your SoFi Plus Subscription Fee for a period of six months.

When will I begin earning the 0.70% APY Boost?

Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.70% APY Boost on your Savings account balances by the following business day. However, if you enroll in SoFi Plus by setting up Eligible Direct Deposit, you will begin receiving the 0.70% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you’re earning the 0.70% APY Boost, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your 0.70% APY Boost is not showing, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the 0.70%% APY Boost from the date you contact SoFi.

How long will I earn the 0.70% APY Boost?

You will continue to receive the 0.70% APY Boost for a period of up to six months (the “Boost Period”), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details.

During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.70% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.70% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus.

Additional Important Terms:

Only one promotional APY offer may apply at any time. The 0.70% APY Boost may not be combined with other promotional rates.

Promotion is non-transferable and limited to one 0.70% APY Boost per account per member. Any subsequent accounts opened by the member will not receive the 0.70% APY Boost.

SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

Standard rates are variable and subject to change at any time. There is no minimum balance requirement.

Fees may reduce earnings. For current rates and additional disclosures, please see: https://www.sofi.com/legal/banking-rate-sheet.

$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.

{/* APY (non-boost) */}

Get up to 3.60% APY on your SoFi Checking and Savings account with eligible direct deposit.

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you’re earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder’s Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.

{/* No Account Fees */}

Pay no account fees. No account, overdraft, or monthly fees.

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details atsofi.com/legal/banking-fees/.

{/* Deposits protected up to $250,000 */}

Deposits are FDIC-insured up to $250,000 per member.

Deposits in checking and savings accounts are insured up to $250,000 per depositor for each account ownership category under the FDIC’s general deposit insurance rules. For more information visit FDIC.gov

{/* Up to $3M additional FDIC insurance */}

Up to $3M additional FDIC insurance through a network of participating banks.

SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

{/* Up to 2-day-early paycheck */}

Up to 2-day-early paycheck when you set up direct deposit.

Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

{/* No-fee overdraft coverage */}

No-fee overdraft coverage. You’ll be covered up to $50 with no fees with eligible direct deposit of at least $1,000.

Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.

{/* 55,000+ fee-free ATMs */}

55,000+ fee-free ATMs within the Allpoint® Network.

We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.

{/* CTA */}


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>
Open an account

Read more
Nov
18
2025

MRA LCM

By | Uncategorized | Comments Off on MRA LCM

{/* OFFER – HERO 1 */}


APY Boost

For a limited time, boost your savings APY to 4.30% for six months. Here are the necessary steps:
•   Open a new SoFi Checking and Savings account by 1/31/26.
•   Become a SoFi Plus member within 60 days by setting up eligible direct deposit or enrolling in a $10/month subscription.
•   Enjoy a 0.70% APY boost on your savings for six months, as long as you maintain your SoFi Plus membership.

{/* DISCLOSURE CONTENT */}

{/* Up to $300 bonus */}

*Who is eligible for a Direct Deposit Bonus?

New and existing SoFi members who have never set up direct deposit with SoFi are eligible for our Direct Deposit Bonus. Bonuses are limited to one per SoFi Checking and Savings account. In the case of a joint account, only the primary account holder (the member who signed up first) is eligible for a bonus.

How do I earn the Direct Deposit Bonus?

1. Set up your first Eligible Direct Deposit. SoFi must receive it on or before 1/31/26.

2. Once SoFi receives and recognizes your first Eligible Direct Deposit, we will add up the Total Eligible Direct Deposits received over the next 25 calendar days. This total will determine the bonus amount.

Total Eligible Direct Deposit Bonus Amount Timing
$1.00 – $999.99 $0 To determine your bonus amount, SoFi will add up all your Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit.
$1,000.00 – $4,999.99 $50
$5,000.00 or more $300

3. You will receive the bonus amount in your SoFi Checking account within 7 business days of completing all requirements listed above. You are only eligible to receive one bonus amount. You must have an open SoFi Checking account in good standing at the time of the bonus payment.

What is an Eligible Direct Deposit?

Eligible: Recurring ACH deposit of regular income to your SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by your employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”)

Not Eligible: Deposits that are not from an employer, payroll or benefits provider or government agency and deposits that are non-recurring in nature are not eligible. Examples of deposits that are not eligible include check deposits, peer-to-peer transfers (e.g., transfers from Zelle, PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), bank ACH funds transfers, wire transfers from external accounts, and IRS tax refunds. SoFi Bank shall, in its sole discretion, assess your Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your initial Eligible Direct Deposit. After SoFi validates the details of your Eligible Direct Deposit, your Direct Deposit Bonus will be based on the date we received your initial Eligible Direct Deposit.

What else is important to know?

This promotion is available between 12/7/2023 at 12:01AM ET and 1/31/2026 at 11:59PM ET. SoFi reserves the right to modify or end the promotion at any time without notice. The terms of this promotion take precedence over the terms of any prior Direct Deposit promotion.

SoFi reserves the right to exclude any members from participating in this promotion for any reason, such as suspected fraud, misuse, or suspicious activity.

SoFi members with Eligible Direct Deposit activity can earn 3.60% annual percentage yield (APY) on savings balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.

Bonuses are considered income and may be reportable on IRS Form 1099-INT or Form 1042-S as applicable. SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.

This promotion is offered by SoFi Bank, N.A, Member FDIC (“SoFi”)

{/* APY BOOST */}

SoFi Plus members can earn up to 4.30% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.60% (rate current as of 11/12/2025). Rates are variable and subject to change.

SoFi Boost APY Promotion Terms

The following terms and conditions (the “Terms”) apply to the SoFi APY Boost Promotion (the “Promotion”), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield (“APY”) boost to the APY earned on their SoFi Savings account (the “0.70% APY Boost”) for up to six months by completing the required actions described below.

Promotion Period:

August 5, 2025 at 12:00 a.m. E.T. – January 31, 2026 at 11:59 p.m. E.T.

Who is eligible for the Promotion?

Members who are new to SoFi Checking and Savings AND new to SoFi Plus as of 8/5/25 are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. You may have previously enrolled in SoFi Plus by either receiving eligible direct deposits or paying the SoFi Plus Subscription Fee. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost.

What qualifying activities do I need to complete to earn the 0.70% APY Boost?

In order to receive the 0.70% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.

Option 1

Open a new SoFi Checking and Savings account between 8/5/2025 and 1/31/2026;
AND
Enroll in SoFi Plus within 60 days after opening your SoFi Checking and Savings account by either:
Setting up and maintaining Eligible Direct Deposit, or
Paying and maintaining the SoFi Plus Subscription Fee
AND
Maintain your SoFi Plus subscription for a period of six months.

Option 2

Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 1/31/2026; AND
Open a new SoFi Checking and Savings account by 1/31/2026; AND
Maintain your SoFi Plus Subscription Fee for a period of six months.

When will I begin earning the 0.70% APY Boost?

Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.70% APY Boost on your Savings account balances by the following business day. However, if you enroll in SoFi Plus by setting up Eligible Direct Deposit, you will begin receiving the 0.70% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you’re earning the 0.70% APY Boost, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your 0.70% APY Boost is not showing, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the 0.70%% APY Boost from the date you contact SoFi.

How long will I earn the 0.70% APY Boost?

You will continue to receive the 0.70% APY Boost for a period of up to six months (the “Boost Period”), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details.

During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.70% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.70% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus.

Additional Important Terms:

Only one promotional APY offer may apply at any time. The 0.70% APY Boost may not be combined with other promotional rates.

Promotion is non-transferable and limited to one 0.70% APY Boost per account per member. Any subsequent accounts opened by the member will not receive the 0.70% APY Boost.

SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

Standard rates are variable and subject to change at any time. There is no minimum balance requirement.

Fees may reduce earnings. For current rates and additional disclosures, please see: https://www.sofi.com/legal/banking-rate-sheet.

$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.

{/* APY (non-boost) */}

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you’re earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder’s Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.

{/* No Account Fees */}

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details atsofi.com/legal/banking-fees/.

{/* Deposits protected up to $250,000 */}

Deposits in checking and savings accounts are insured up to $250,000 per depositor for each account ownership category under the FDIC’s general deposit insurance rules. For more information visit FDIC.gov

{/* Up to $3M additional FDIC insurance */}

SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

{/* Up to 2-day-early paycheck */}

Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

{/* No-fee overdraft coverage */}

Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.

{/* 55,000+ fee-free ATMs */}

We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.

{/* CTA */}


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Open an account

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Nov
18
2025

Online Insurance Auto Insurance SEM1

By | 1_Web_Protect | Comments Off on Online Insurance Auto Insurance SEM1



Auto Insurance

Compare car insurance quotes and you could save $1,007 a year on
average*

See quotes in a matter of minutes.


Get my quote

SoFi’s teamed up with Experian® to bring you multiple quotes to compare against your existing car insurance coverage.

We are now directing you to our partner, Experian®, to complete your application.


Get my quote


SoFi will not be your host while there and is not responsible for content provided by third-party sites, including Experian®. Please note that you are subject to the destination site’s Privacy Policy and Terms & Conditions.


*Results will vary and some may not see savings. Average savings of $1,007 per year
for customers who switched and saved with Experian from May 1, 2024 through April
30, 2025. Savings based on customers’ self-reported prior premium. Experian offers
insurance from a network of top-rated insurance companies through its licensed
subsidiary, Gabi Personal Insurance Agency, Inc.


Powered by

Experian

SoFi’s teamed up with Experian® to bring you a true comparison insurance shopping experience. Using the right mix of technology and human interaction, Experian® provides an apples to apples comparison against your existing policy to find you a great deal. Real rates, with no bait and switch.


Why Experian?

You’re likely overpaying for auto insurance, and shopping for it is a hassle. Experian® does all of the insurance shopping for you.



  • Compare

    Experian® is your personal insurance shopper. Experian® will do the heavy lifting and check prices for you from their network of insurance providers.



  • Save Time

    With Experian’s technology, within minutes pull new quotes to match your current coverage with little to no manual entry. No need to visit multiple websites.



  • Peace of Mind

    Rest easy knowing you’ve explored your options. Experian® will never share or sell your information, period.



  • Potential Savings

    Comparing multiple quotes can help you find a great rate and potentially save you money.


How it works:

  1. Match.

    Share your current policy details so Experian® can compare your coverage apples-to-apples.

  2. Pick.

    Experian® will show the rates and you pick the quote you want.

  3. Buy.

    Buy your new policy directly through Experian® – they will even help you cancel your old policy!


Get my quote

SoFi’s teamed up with Experian® to bring you multiple quotes to compare against your existing car insurance coverage.

We are now directing you to our partner, Experian®, to complete your application.


Get my quote


SoFi will not be your host while there and is not responsible for content provided by third-party sites, including Experian®. Please note that you are subject to the destination site’s Privacy Policy and Terms & Conditions.



Common Questions



How is Experian® different from other insurance companies?


Experian® is an online insurance broker and agent. Experian® doesn’t replace the insurance company, it just helps you shop. Experian®’s product is a free tool that helps you compare auto and home insurance rates across top providers and finds you the cheapest rate for your exact coverage.



How does Experian® work?


Experian® uses the account credentials to your current insurance account (or a PDF of your policy declarations page) to learn about your current coverage details, so you don’t have to input them manually. Experian® uses those details to get you apples-to-apples comparisons for the same coverage from other insurance providers to find a great rate. If you don’t want to use this feature, you can manually enter your information and select coverages to get a quote.



How does Experian® make money?


Just like all agents, Experian® is paid a commission by the insurance company. There is no upcharge to you, Experian’s tool
is free for you to use. These commissions are from the insurance companies’ marketing budgets given Experian®
brought them new customers, not from your premiums. Your rates are the rates provided and don’t change. Experian®
shows you quotes based on your savings. Experian® does not sell or share your data and doesn’t cold call or spam its
customers.


Ready to go?

Let Experian® start shopping for you now!


Get my quote


Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 12/15/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive.

PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change. Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.

PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.


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Nov
17
2025

Stock Calculator

By | Uncategorized | Comments Off on Stock Calculator


Stock Calculator: Estimate Profit or Loss

This calculator helps you estimate your profit or loss from buying and selling stocks, plus the return on your investment. Enter your details below to see your estimated performance.

How To Use Use This Calculator

Here’s a quick guide to the information you’ll need to enter to estimate your return.

• Number of shares: Enter the total number of shares you purchased in this single transaction.

• Purchase price: This is the price you paid for one share of the stock. For example, if you bought one share of a stock at $150, you would enter 150.

• Sell price: This is the price you received for one share when you sold. For example, if you sold that same share later for $165, you would enter 165.

• Buy commission (Optional): Many brokerages now offer $0 commission trades. If yours charges a fee to purchase stock, enter that amount here.

• Sell commission (Optional): Like the buy commission, this is often $0. If your brokerage charges a fee to sell stock, enter that amount here.

After you enter your information, the calculator will show you two key results:

• Profit/Loss: This is the potential total dollar amount you gained or lost on the investment.

• Return on Investment: This shows your potential profit or loss as a percentage of your original investment.

How This Calculator Works

This tool calculates returns from buying and selling stock by determining both your profit or loss and your return on investment (ROI) using the following formulas:

Profit/Loss Formula

Profit/Loss = (Total Sell Amount – Sell Commissions) – (Total Buy Amount + Buy Commissions)

Where:

• Total Buy Amount = Purchase Price per Share * Number of Shares

• Total Sell Amount = Sell Price per Share * Number of Shares

ROI Formula

ROI = (Sell Price * N – Csell) – (Purchase Price * N + Cbuy)Purchase Price * N + Cbuy * 100%

Where:

• N = Number of shares

• Purchase price = Price per share when bought

• Sell price = Price per share when sold

• Cbuy = Buy commission in dollars

• Csell = Sell commission in dollars

Important Exclusions

This calculation provides a simple estimate of your return, but it does not factor in these external considerations:

• Dividends: The calculation only accounts for price appreciation (capital gain). Any dividend cash you received while holding the stock is not included in the final profit/loss total.

• Taxes: The result is a pre-tax figure and does not account for capital gains taxes or dividend taxes, which will impact your net return.

• Inflation: The calculator provides results in nominal (non-inflation adjusted) dollars. It does not adjust for the real loss of purchasing power over the investment period.

FAQ

What is the difference between total return and capital gain?

Capital Gain is the profit from the rise in the stock’s price. Total Return is the capital gain plus any dividends received. This calculator provides a result closer to your capital gain, as it excludes dividends.

Why are commissions and fees important?

Trading fees, even small ones, reduce your profits. Factoring them in gives you a more accurate understanding of your investment’s true performance.

What about taxes?

This calculator does not account for capital gains taxes or dividend taxes, which can significantly impact your net return. Tax laws vary, so it’s a good idea to consult with a tax professional.

Learn more about investment returns

Ready to invest for your retirement?

It’s easy to get started when you open an IRA online with SoFi.
SoFi doesn’t charge commissions, but other fees apply (full fee disclosure here).


Get started

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi Invest encompasses two distinct companies, with various products and services offered to investors as described below:

1) Robo Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“SoFi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA (www.finra.org)/SIPC(www.sipc.org). Clearing and custody of all securities are provided by APEX Clearing Corporation.

Individual customer accounts may be subject to the terms applicable to one or more of these platforms. For additional disclosures related to the SoFi Invest platforms described above 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.

For a full listing of the fees associated with Sofi Invest please view our fee schedule.

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.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

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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SoFi Daily

Stay up to date on the latest business news and stock market happenings.

Learn more

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. 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, evaluation of your creditworthiness, years of professional experience, income, and a variety of 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, or may become available, 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. or an affiliate, NMLS # 696891. (www.nmlsconsumeraccess.org)

✝︎ 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.

INVESTMENTS: NOT FDIC INSURED • HAVE NO GUARANTEE • MAY LOSE VALUE. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. The SoFi Wealth platform is operated and maintained by SoFi Wealth LLC, an SEC Registered Investment Advisor. Brokerage services are provided to clients of SoFi Wealth LLC by SoFi Securities LLC, an affiliated broker-dealer registered with the Securities and Exchange Commission and a member of FINRA /SIPC . Clearing and custody of all securities are provided by APEX Clearing Corporation. For more information, please see SoFi Wealth LLC’s Form ADV Part 2 by clicking here for SoFi's Wealth Form ADV Part 2 A&B or by visiting www.adviserinfo.sec.gov .
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