How Do I Open an Account?

Go to SoFi Invest Home in the mobile app, tap Get Started, select Start Investing under active investing account. There you’ll find step-by-step instructions on how to get started. Or if you prefer desktop, head here.

Am I able to buy part of a share rather than a whole?

Yes! You can purchase fractional shares, a.k.a. Stock Bits, for some stocks. We maintain a list of securities available for fractional trading. All of these securities will appear on our “Fractional Collection” page within the Discovery section of the app.

Is my account insured?

Yes, the securities and cash that SoFi Securities holds in your brokerage account are protected by SIPC in the event of a broker dealer failure up to a maximum of $500,000 per client for securities , which includes up to $250,000 per client for cash held in the account. SIPC coverage does not protect against investment losses from market action or volatility. For more information on SIPC visit www.SIPC.org

How do I fund the account?

You can fund the account by linking your SoFi Checking and Savings account, checking or savings account, initiating an account transfer (ACAT), rollover, check, or wire. You can set up a recurring deposit to make sure you have money ready for when you want to buy, or make a one-time deposit any time. It will usually take 1-2 business days to clear. The cutoff time for incoming ACH transfers from your bank is 4pm ET, outgoing ACH transfers have a cutoff time of 3:30pm ET on banking days.

When is my deposit available to use?

You can invest up to $5,000 instantly* once you begin a transfer with your linked bank account (you’ll need to meet certain requirements for this). It takes approximately 2 business days to clear your transfer. Instant access up to $5,000 on first-time deposits to eligible new accounts. Subsequent deposits are eligible for instant access up to $5,000, provided all prior deposits have cleared – even if a prior deposit was less than $5,000. Funds not eligible for instant access are available in approximately 2 business days. *Eligibility requirements include 1) Your bank account must be linked, verified and approved through our instant verification process. 2) Your bank account must have a reported balance greater than or equal to your deposit.

SoFi At Work Emergency Vault

Rule 606 Order Routing | Statement of Financial Condition

Emergency Vaults are part of SoFi Checking and Savings®. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. 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.

¹ Before money can be moved into an Emergency Vault, individual must first create and add to your SoFi Checking and Savings® Account. The Emergency Vault is offered through SoFi at Work.

² 9x based on FDIC monthly interest savings rate as of October 20, 2025.

³ SoFi 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 incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.

Principal receives a portion of the employer-paid subscription fee as compensation to make available the SoFi at Work Emergency Vault and our Joint Marketing Efforts.

Your Dashboard products may vary depending on your employer’s preferences.

SoFi Checking and Savings Vault Program is provided through SoFi Securities LLC, a registered broker‐dealer and a New York limited liability company, and a direct, wholly owned subsidiary of Social Finance, Inc. Money must first transfer to your SoFi Checking and Savings Account before it can be accessed. Refer to your SoFi Checking and Savings Customer Agreement and SoFi Checking and Savings Sweep Program for details. SoFi Securities LLC, a registered broker‐dealer and a New York limited liability company, and a direct, wholly owned subsidiary of Social Finance, Inc. and SoFi Checking and Savings Vault Program are not affiliated with any retirement plan, investment, or administrative services provided through Principal Life Insurance Co. or affiliated with any member of the Principal Financial Group®. Principal makes available access to the SoFi Checking and Savings Vault Program only. Principal Life Insurance Company is a member of the Principal Financial Group, Des Moines, Iowa 50392.

Should you choose to establish a SoFi account, SoFi may share certain information with Principal with your permission.

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