SoFi Checking Accounts

You may benefit from the SoFi Checking Account if you're looking for a convenient way to manage everyday spending with no account, overdraft, or monthly maintenance fees³. SoFi Bank, N.A. offers 0.50% APY² on checking balances when you set up qualifying direct deposit or meet the qualifying deposit threshold.

Members can access 55,000+ fee-free ATMs within the Allpoint® Network⁵ and may receive their paycheck up to two days early⁶. SoFi also provides no-fee overdraft coverage up to $50⁷ for members who receive $1,000 or more in qualifying direct deposits per month.

Disclosures:

• APY accurate as of 1/24/25 and subject to change.
• SoFi Bank does not charge account, service, or maintenance fees. Outgoing wire fees may apply.
• Third-party fees may apply for out-of-network ATMs.
• Early access to funds is based on timing of payment file receipt from the payer.
• Overdraft coverage limited to $50 for debit card purchases and requires $1,000+ in direct deposits in the 30-day Evaluation Period.