Banking with SoFi
Get up to 3.25% Annual Percentage Yield*(APY) on Checking and Savings!
Getting Started with SoFi Checking and Savings
- Why did SoFi become a bank?
- Who can open a SoFi Checking and Savings account?
- What are the benefits & features of banking with SoFi?
- How do I open SoFi Checking and Savings accounts?
- What's my interest rate for SoFi Checking and Savings?
- What is Overdraft Protection?
About Banking with SoFi
- How is my interest calculated?
- How often is the interest accrued and compounded?
- How does Plaid work?
- Why can I not find my bank account in Plaid?
- Is Plaid secure?
- What is Plaid? Why is Plaid used
Bank Transfers & Linking
Direct Deposit
- What is a direct deposit and what is considered a qualifying direct deposit?
- What features do I get with recurring direct deposits?
- How do I automatically set up a direct deposit for my SoFi Checking and Savings account?
- How do I manually set up direct deposit for SoFi Checking and Savings? (Direct deposit form)
- How do I find my routing and account numbers for SoFi Checking and Savings?
- How does early paycheck work and will my paycheck always arrive two days early?
AutoPilot (NEW)
- What is Autopilot
- How do I access Autopilot?
- When do Autopilot transfers happen?
- Can I use Autopilot if I don’t use Vaults?
- Can I use Autopilot without setting up direct deposit?
- What if the dollar amount I specify is larger than my direct deposit?
P2P
- How can I send money to friends and family from my SoFi Checking account?
- Can I set up a recurring P2P transfer with SoFi Checking and Savings?
- I just sent money from SoFi Checking to a friend (via P2P), when will they get it?
- I sent money to a friend (via P2P) from my SoFi Checking account. How do I cancel it?
- How do I cancel a recurring P2P from my SoFi Checking Account?
- Can I set up a recurring P2P transfer?
Bill Pay
- How do I set up Bill Pay in my SoFi Checking and Savings account?
- How do I cancel or edit a Bill Pay in my SoFi Checking and Savings account?
- Cannot Cancel a Bill Payment
- I made a bill payment in my SoFi Checking account and the payee is not showing the payment.
- Why was my bill payment taken out of my SoFi Checking account before it was scheduled?
- I am trying to pay a bill and after entering the card number the system gives me a different biller name. Why is this happening in my SoFi Checking account?
Debit Card
- What is Allpoint?
- What ATMs can I withdraw money from with my SoFi Checking Debit Card without paying a fee?
- When do I get my SoFi debit card?
- Can I link a prepaid debit card to my SoFi Checking and Savings account?
- When will I receive my SoFi Mastercard Debit Card?
- Debit Card Activation
Mobile Check Deposit
Overdraft Coverage
Overdraft Protection
Vaults
- How do I open a Vault in SoFi Checking and Savings?
- Are there any fees or minimums to use a vault?
- How many vaults can I have with SoFi Checking and Savings?
- How do I move money to and from a vault in SoFi Checking and Savings?
- Can I set up a recurring Vault transfer with SoFi Checking and Savings?
- How do I close a vault in SoFi Checking and Savings?
Roundups
AutoSave
Safe Dollars
Joint SoFi Checking and Savings accounts
- Do you offer joint accounts with SoFi Checking and Savings?
- How old do I have to be to open SoFi Checking and Savings accounts or be a joint account holder?
- How Do I send a Joint Account Invitation for SoFi Checking and Savings?
- How Do I apply for SoFi Checking and Savings as a Secondary User?
- I have a joint SoFi Checking and Savings account. How does cash back work?
- Why can't I have my own SoFi Checking and Savings accounts and a second joint account with my partner?
Transaction Help
- How do I stop my recurring debit card payment?
- Why Is my debit card transaction pending?
- Why was my debit card transaction declined?
- I have an issue with the goods or services received in connection with a transaction on my SoFi Checking and Savings account.
- I'd like to dispute a funds transfer on my SoFi Checking account?
- How do I stop payment on a check from my SoFi Checking account?