Skip Navigation
Log InGet Started

Legal

  • Terms of Use
  • Disclaimers
  • Licenses
  • NMLS Access
  • Eligibility Criteria
  • Accessibility
  • Business Continuity

Company

  • About Us
  • How it Works
  • Reviews
  • Press
  • Our Values
  • Jobs
  • Blog

Find us

2750 East Cottonwood Parkway #300
Cottonwood Heights, Utah 84121

Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.


Eligible 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 (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.


Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.


Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, 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 Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility. See additional details at https://www.sofi.com/legal/banking-rate-sheet.


SoFi Bank, N.A. NMLS #696891, Member FDIC

SoFi Lending Corp. NMLS #1121636

234 1st Street, San Francisco, CA 94105

©2026 Social Finance, Inc. All rights reserved.

Norton Secured, powered by VeriSignTLS 1.2 Encrypted
Equal Housing Lender
  1. Help Center
  2. Chevron RightChecking & Savings
  3. Chevron RightMobile Check Deposit
Search

How do I make a Mobile Check Deposit to my SoFi Checking or Savings account?

last month · Updated

  • How do I make a Mobile Check Deposit to my SoFi Checking or Savings account?Chevron Right
  • I have an active SoFi Checking and Savings accounts, why can't I make a mobile check deposit?Chevron Right

Important Details to Remember

  • Endorse your check properly: Sign the back of your check and write For Mobile Deposit Only at SoFi Bank. Missing or incorrect endorsements may cause delays.
  • Name must match the account: The name on the check must match the account holder’s name. For joint accounts, the check must be made out to at least one account holder.
  • Deposit timing: Checks deposited before 4 PM ET on business days are typically available by the next business day.
  • Check age: Ensure the check is not older than 6 months.
  • Photo quality: Make sure the check is fully visible within the frame when capturing images.

    • How to Deposit a Check

    1. From the banking homepage, select the Deposit icon.
    2. Tap Deposit a Check.
      • You’ll be prompted to take a photo of the front of your check.
    4. Confirm the check details, including the amount and the account you want to deposit into.
    5. Capture a photo of the back of the check.
    6. Review the deposit details on the next screen. Make sure all information is correct, or select Cancel to start over.
      • You’ll also see the estimated availability date for your deposit.
    8. On the final screen, confirm that your deposit has been submitted, along with the amount and the account it’s being deposited into.