What if I don't have checks with SoFi Money, and haven't set up any connected accounts (i.e. haven't provided my routing number to any billers)?

In that case, there is likely no action needed. If you would like to set up a recurring payment with SoFi Money, make sure to use your “new” routing number XXXX-XXXX-XXXX-1334 (you can view this by logging into your Money account).