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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

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How do I update the Two-Factor Authentication (2FA) method on my account?

4 months ago · Updated

  • Does SoFi support two-factor authentication (2FA) apps?Chevron Right
  • How do I cancel SoFi Plus?Chevron Right
  • How do I change the email address on my account?Chevron Right
How do I change the legal name/date of birth/ Social Security Number/ citizenship on my account?Chevron Right
  • How do I change the phone number on my account?Chevron Right
  • How do I log into the Home Loans Servicing website?Chevron Right
  • How do I update the home and/or mailing address on my account?Chevron Right
  • How do I update the Two-Factor Authentication (2FA) method on my account?Chevron Right
  • I am setting up 2FA, but I am not getting the text with the code.Chevron Right
  • I did not update my address in time, what do I do now?Chevron Right
  • I Forgot my Password. What do I do?Chevron Right
  • I received a 2FA code that I did not request. Is my account secure?Chevron Right
  • My username/password combination does not seem to work?Chevron Right
  • What if my account will not reconnect to Coach even after I put in my login information?Chevron Right
  • What is two-factor authentication (2FA)?Chevron Right
  • Why am I unable to update my email address?Chevron Right
  • Why do I need to verify with my ID in addition to my usual two factor method when logging in?Chevron Right

    • This article covers how to update your 2FA method (text, phone call, or verify with ID) through the mobile app or a desktop web browser. Click on the instructions below for step-by-step information!

    Mobile App Instructions

    1. Click the Profile icon in the top left corner and select "Settings"
      Image from "How do I update the Two-Factor Authentication (2FA) method on my account?"
    2. Click Security
      Image from "How do I update the Two-Factor Authentication (2FA) method on my account?"
    3. Click Two-Factor Authentication
      Image from "How do I update the Two-Factor Authentication (2FA) method on my account?"
    4. Select your preferred Two-Factor Authentication method and follow any confirmation steps to successfully update your preferred method!
      Image from "How do I update the Two-Factor Authentication (2FA) method on my account?"
       

    Desktop Instructions

    1. Log into your account at SoFi.com.
    2. Click on your name in the top right corner, and select “My Profile”
      Image from "How do I update the Two-Factor Authentication (2FA) method on my account?"
    3. Under “Settings”, click on “Two-Factor Authentication”
      Image from "How do I update the Two-Factor Authentication (2FA) method on my account?"
    4. Select your preferred Two-Factor Authentication method and follow any confirmation steps to successfully update your preferred method!
      Image from "How do I update the Two-Factor Authentication (2FA) method on my account?"

     

    If you do NOT receive your 2FA code within 5 minutes of making the request: 

    1. Double-check your selected 2FA method and contact information
    2. Ensure that you have a stable WiFi connection or cell phone service
    3. Try selecting a different 2FA method

    Still not receiving your code? Give us a call at 1 (855) 456-7634