SoFi Blog

Tips and news—
for your financial moves.

Banking 2 DR

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Checking and Savings

Earn up to 4.30% APY1 and up to $300 with direct deposit.6

Open a new SoFi Checking and Savings account by 1/31/26, set up eligible3 direct deposit within 60 days, and maintain direct deposit for six months.


Open an account


Open an account

1 Earn 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 fees2

Earn up to 4.30% APY1 with eligible3 direct deposit.

2-day-early-paycheck4

No-fee Overdraft Coverage.5

Do it all in one app.

Up to $3M of additional FDIC insurance through a network of participating banks7


Open an account

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Experience industry-leading savings rates.

With SoFi and direct deposit, you’ll earn more interest in seven weeks than you would in one year in a big bank’s savings account. Period.


Open an account

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Earn up to 4.30% APY1 with eligible direct deposit.

Limited-time only. Terms apply.


Open an account


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