Banking Short
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Better banking is here with up to 4.30% APY2 and no account fees.1
Plus, you could get a welcome bonus of up to $300.3
Open an account
2Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply here. SoFi Bank, N.A. Member FDIC.
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Fuel your savings with a 0.70% APY boost.2 Here are the necessary steps.
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Open a new SoFi Checking and Savings account by 1/31/26.
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Enjoy a 0.70% APY boost on savings for six months as long as you maintain your SoFi Plus membership. Heads up: you’ll still get our 0.70% bump on top of the standard savings rate, even if our variable APY changes.
Open an account
2Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking & Savings account and enroll in SoFi Plus by 1/31/26. Rates variable, subject to change. Terms apply here. SoFi Bank, N.A. Member FDIC.
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No account fees1
Earn up to 4.30% APY2 on savings with eligible4 direct deposit. Terms apply.
Up to 2-day-early-paycheck5
No-fee Overdraft Coverage6
Earn $50 or $300 with eligible direct deposit
Just open your account and set up eligible direct deposit of $1,000 or more. See Terms.
Up to $3M of additional FDIC insurance through a network of participating banks7
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Experience highly competitive savings rates.
You’ll earn more interest in seven weeks with SoFi than you would with a big bank with direct deposit. Period.
Open an account
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Earn up to 4.30% APY2
with eligible4 direct deposit.
Open an account
