Can I have Roundups if I don't use Vaults? October 20, 2020 14:53 Updated To activate Roundups you will need to have at least one active Vault. If you need help setting up a SoFi Money Vault please go here. Related articles How do I open a Vault? What are Roundups? Are funds in my Money Vaults FDIC insured? Can I pay bills using a specific Vault? Why don’t I see a roundup right after a purchase?