💅 Meet Vivian Tu, your new Rich BFF.

Vivian Tu (@YourRichBFF) is here to help you hit your money goals.

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Log in ›     Hey Janet—there's a lot to love about SoFi Checking and Savings, but don't just take our word for it. Meet SoFi member Vivian Tu, here today with her Better Banking Breakdown.     Vivian (@YourRichBFF) is an ex-Wall Street trader teaching her followers how to get rich. With her community of over six million followers across the world, she aims to make finance fun and more accessible for the next generation of rich BFFs.     Vivians's fav banking features.     👇     Top-notch APY.     "Not only does SoFi offer up to 4.60% APY on my savings*, they also give me 7x the national average on my checking.† I'm earning more interest on my money while it sits in my checking, waiting to be spent on my bills."     Vaults.     "I use my Vaults to save for upcoming life milestones such as my wedding next year and to potentially buy a car (I am relearning how to drive, LOL)."

Financial planners.     "Having the ability to talk one-on-one with someone who can guide you through your personal scenarios helps to take a lot of the pressure off making big decisions yourself."     One-stop finance shop.     "I don't have to go to 10 different websites to access my entire financial picture. I'm able to see everything from my bank balances, to credit score, to any loans."

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Vivian Tu is a promoter of SoFi products and receives compensation from SoFi for her promotion across social media, email, and other channels. SoFi Checking and Savings is offered through SoFi Bank, N.A. 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. *SoFi members with direct deposit activity can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder's SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder's employer, payroll or benefits provider or government agency ("Direct Deposit") via the Automated Clearing House ("ACH") Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder's SoFi Checking and Savings account ("Qualifying Deposits") during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder's Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. ("SoFi Bank") or from a merchant. SoFi Bank shall, in its sole discretion, assess each account holder's Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the "Start Date" and "End Date" set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the "30-Day Evaluation Period"). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.60% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption. SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit. Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet. †7x based on FDIC monthly interest checking rate as of October 24, 2023 Advisory services are offered through SoFi Wealth, LLC an SEC‑registered investment adviser. Information about SoFi Wealth's advisory operations, services, and fees is set forth in SoFi Wealth's current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. SoFi's Insights tool offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.'s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi's Terms of Use. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score provided to you is a VantageScore® based on TransUnion® (the "Processing Agent") data. Loans originated by SoFi Bank, N.A., NMLS #696891 (www.nmlsconsumeraccess.org). Equal Housing Lender. SoFi Bank values your privacy and the security of your personal information, so please do not include your Social Security number in any email or letter that you send to us. Unsubscribe  |  Privacy  |  Licenses SoFi Bank, N.A., 2750 East Cottonwood Pkwy #300, Cottonwood Heights, UT 84121 © 2023 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 1485302