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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 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

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My SoFi Debit Card has been Damaged, Lost or Stolen.

4 weeks ago · Updated

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    • You can order a new card via your SoFi Money account following the steps below. Once the replacement is confirmed your old card will be deactivated, and expect to receive your new SoFi Money debit in 7-10 business days. The card will arrive in a bright blue envelope.

     

    Please note that if you believe there has been fraudulent activity, contact SoFi immediately. 

    1. Log into your SoFi Money Account and select the 'Gear' icon
    2. Select 'Debit Card.'
    3. Select 'Report as damaged, lost, or stolen.'
    4. Select the reason for the replacement, 'Lost' or 'Stolen.' Please note - 'Damaged' is not a replacement option at this time. If your debit card has been damaged, you will need to select 'Lost' or 'Stolen' to order a new debit card.

    NOTE: Once the replacement is confirmed your old card will be immediately deactivated. You will be able to add the new card to your mobile wallet so you can use the card virtually and immediately!

    1. Confirm the replacement details (including shipping address), and click 'Confirm replacement' to continue.
    2. Click 'Done' to return to the SoFi Money account homepage. 
    3. The homepage will show that the new SoFi Money debit card has been ordered, along with the expected delivery date.