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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 10/20/26. 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.

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How do I dispute a charge for my SoFi Debit Card? Can I submit a dispute online? (MasterCard)

5 hours ago · Updated

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    You can file your dispute online if:

    • You did not perform the transaction.
    • The transaction has posted and is not still pending.
    • You are disputing five (5) transactions or less.
    • You are disputing transactions from within the last 92 calendar days.
    1. Please login to your SoFi Money account and select the transaction in question.  
    2. Click ‘Report an issue’. 
    3. The ‘Transactions’ screen allows you to describe the issue you have with the transaction. As a reminder if you state that a debit card transaction is fraudulent then we will deactivate the Money debit card and number to prevent additional fraudulent activity. We will also order you a new card. 
    4. Please double check that you have your current address on your profile by clicking on your name in the top right corner of the page and then ‘My Profile’. Your address can be changed under the "Personal Information" tab.
    5. If you have any additional fraudulent charges they can be added on the next screen.
      1. You can skip this section if there are no additional fraudulent charges.
    7. We’ll ask you if you have your SoFi Money debit card in your possession or if the card has been lost or stolen.
    8.  Please let us know if you are the only one who has access to your SoFi Money debit card and PIN.
    9.  If someone else does have access to your debit card or PIN, did you give them permission to use it and how are they related to you?
    10. You can also share any additional notes or details that you feel are important. (Optional) 
    11. This screen gives you the opportunity to verify the transaction dispute information before you submit the dispute for review. 
    12. Your confirmation screen will be displayed after you submit your dispute and it has been submitted for review. 

    If you have additional questions or cannot complete your dispute online, you can chat with one of our agents. Please note you will be prompted to log in.