💰 Janet, protect your finances with 24/7 account monitoring from SoFi.

Earn up to 4.50% APY when you bank with SoFi.

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Log in ›     CHECKING AND SAVINGS     No account fees. Premium perks. 24/7 protection.     Open an account     Hi Janet, Tired of the endless fees and outdated practices of traditional banks? It's time to make the switch to SoFi Checking and Savings. When you open an account with us, you make more money on your money with up to 4.50% APY and pay zero account fees^. No overdraft fees‡, no balance minimums, or monthly charges.     Enjoy great benefits like:     Up to a $300 bonus†, plus premium benefits Get our best interest rates, rewards, and discounts at no additional cost with SoFi Plus1 when you sign up for direct deposit.     Up to a $300 bonus†, plus premium benefits Get our best interest rates, rewards, and discounts at no cost with SoFi Plus1 when you sign up for direct deposit.     Protect your account Access 24/7 account monitoring and instantly freeze your debit or credit card in our app. Plus, add up to $2M FDIC additional coverage6.     Protect your account Access 24/7 account monitoring and instantly freeze your debit or credit card in our app. Plus, add up to $2M FDIC additional coverage6.     Ready to make the switch to SoFi?     Open an account       Have questions? Contact us   Download the SoFi app   SoFi Bank, N.A. Member FDIC. 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 circle's design is a trademark of Mastercard International Incorporated. ^Our account fee policy is subject to change at any time. ‡Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with direct deposits of $1,000 or more during the current 30‑day Evaluation Period as determined by SoFi Bank, N.A. 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. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage. † The following describes the terms that apply to participation in the SoFi Checking and Savings direct deposit promotion (the "Direct Deposit Promotion") offered by SoFi Bank, N.A, Member FDIC ("SoFi"). Eligible Participants: All new and existing members without any history of direct deposit transactions into their SoFi Checking and Savings account are eligible for the Direct Deposit Promotion. Members who previously enrolled in direct deposit into either SoFi Money or SoFi Checking and Savings, whether currently still enrolled or not, do not qualify for this Direct Deposit Promotion. Bonuses are limited to one per SoFi Checking and Savings account. In the case of a joint account, only the primary account holder (the member who signed up first) is eligible for a bonus. Promotion Period: The Direct Deposit Promotion will begin on 12/7/2023 at 12:01AM ET and end on 12/31/24 at 11:59PM ET. Bonus Terms: In order to qualify for eligibility for a bonus, SoFi must receive at least one Direct Deposit (as defined below) from an Eligible Participant, the first of which must be before the end of the Promotion Period. Direct Deposit means a recurring deposit of regular income to an account holder's SoFi Checking or Savings account, including payroll, pension, or government benefit 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. 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, or are non-recurring in nature (e.g. IRS tax refunds), do not constitute Direct Deposit activity. SoFi Bank shall, in its sole discretion, assess each account holder's Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification. The amount of the bonus, if any, will be calculated during the Direct Deposit Bonus Period as described and defined below. Direct Deposit Bonus Period: The Direct Deposit Bonus Period begins when SoFi receives a Direct Deposit of $1 or more within the Promotion Period and ends 25 calendar days later (the "Direct Deposit Bonus Period"). For the avoidance of doubt, the Direct Deposit Bonus Period shall not extend beyond the Promotion Period. The bonus amount will vary based on the total amount of Direct Deposits received during the Direct Deposit Bonus Period. Once the Direct Deposit Bonus Period has elapsed, SoFi will determine if you have met the offer requirements and will deposit any earned bonus into your checking account within seven (7) business days. For example, if SoFi receives between $1,000.00 and $4,999.99 in Direct Deposits during the Direct Deposit Bonus Period, you will receive a one-time cash bonus of $50. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if Direct Deposits subsequently increase after the Direct Deposit Bonus Period. Total Direct Deposit Amount in Direct Deposit Bonus Period $1.00 - $999.99 $0 $1,000.00 - $4,999.99 $50 $5,000.00 or more $300 Bonus Payment Timeline: SoFi will credit members who meet qualification criteria within seven (7) business days of the end of the Direct Deposit Bonus Period. Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi reserves the right to exclude any Members from participating in the Direct Deposit Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or change the Direct Deposit Promotion at any time. SoFi members with Direct Deposit can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.50% APY for savings (including Vaults). Members without Direct Deposit 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 8/27/2024. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. 1See SoFi Plus details and terms at https://www.sofi.com/sofi-plus/. 6SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per legal category of account ownership, as described in the FDIC's regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $2M through participation in the program. See full terms at sofi.com/banking/fdic/terms. See list of participating banks at sofi.com/banking/fdic/receivingbanks. SoFi Bank values your privacy and the security of your personal information so please do not include sensitive personal information, such as 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 © 2024 SoFi Bank, N.A. Member FDIC. Equal Housing Lender. All rights reserved. w: 1776902