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 9/23/26. 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 RightInvest
  3. Chevron RightSoFi Invest Promotions
Search

Can I instantly transfer funds from my SoFi Invest account to my SoFi Checking or Savings account?

3 months ago · Updated

  • 3x Claw - Self-Directed Investing PromotionChevron Right
  • Capitalize 1% Match IRA RolloverChevron Right
  • Invest 1% IRA Deposit MatchChevron Right
SoFi Invest Promotions SummaryChevron Right
  • SoFi Self-Directed and IRA ACAT 1% MatchChevron Right

    • Yes. If you need to access your available funds, you can initiate a withdrawal at any time from the SoFi Mobile App or sofi.com. Here's how:

    SoFi App

    1. Click into the Invest account you would like to withdraw from, tap on the “Trade” button at the bottom right corner of the screen, then "Withdraw".
      Image from "Can I instantly transfer funds from my SoFi Invest account to my SoFi Checking or Savings account?"
    2. Choose the amount you would like to withdraw (up to the amount of withdrawable cash available).
    3. Select the 'From' and 'To' accounts for transfer.
    4. Finally, click 'Review' when you are ready to submit your withdrawal. (Important notes: Instant cash transfers may be limited to settled funds only. Deposits from SoFi Bank to your Invest account my require 1 business day for settlement before it can be withdrawn back to SoFi Bank. If you're not withdrawing to your SoFi Checking or Savings account, it can take 1-3 business days for your funds to post into the selected account based on normal ACH deposit timeframes).

    SoFi Website

    1. Click into the Invest account you would like to withdraw from, select "More", then "Withdraw cash".
      mceclip1.png
    2. Choose the amount you would like to withdraw (up to the amount of withdrawable cash available showing).
    3. Select the 'From' and 'To' accounts for transfer.
    4. Finally, click 'Review' when you are ready to submit your withdrawal. (Important notes: Instant cash transfers may be limited to settled funds only. Deposits from SoFi Bank to your Invest account may require 1 business day for settlement before it can be withdrawn back to SoFi Bank. If you're not withdrawing to your SoFi Checking or Savings account, it can take 1-3 business days for your funds to post into the selected account based on normal ACH deposit timeframes).

     Please Note: Your ‘To’ account may default to the first account linked when your SoFi Invest
     account was opened. Be sure to double-check and change the ‘To’ account to your SoFi Checking or Savings
     account.

     If you have not yet linked your SoFi Checking or Savings account, please refer to this article for additional
     steps: How do I link my SoFi Money account to my SoFi Invest account?

     

    For Active Invest accounts, you will see your funds in your SoFi Checking or Savings account instantly.

    For Automated Invest accounts, the funds will show in 4-6 business days. The system will need to liquidate your investments and the proceeds will need to settle before they are withdrawn from the account.