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Debit Card

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  • Expired Debit Card
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  • What is Allpoint?
  • What ATMs can I withdraw money from with my SoFi Checking Debit Card without paying a fee?
  • When will I receive my SoFi Debit Card?
  • Debit Card Activation
  • What is the foreign exchange fee on the SoFi Checking account?
  • How long will my SoFi debit card dispute investigation take?
  • I think my SoFi Mastercard debit card got sent to the wrong address. What should I do?
  • Can I have a second SoFi debit card?
  • I just returned an item purchased with my SoFi debit card…when can I expect to see my refund?
  • Can SoFi ship SoFi debit cards overseas?
  • What happens if a refund is processed to a deactivated SoFi debit card?
  • I exceeded my max number of PIN attempts with my SoFi debit card. Can you help?
  • Can you expedite the arrival of my SoFi debit card?
  • How do I reset my PIN for my SoFi debit card?
  • My SoFi debit card has been Lost, Stolen or Damaged.
  • Freezing/Unfreezing Your SoFi Checking & Savings debit card
  • How do I get a SoFi debit card for the joint account holder?
  • Mobile Wallet for Checking & Savings
  • It's been over 10 business days and I haven't received my SoFi debit card.
  • Do you have daily limits for how much cash I can withdraw using my SoFi debit card?

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2750 East Cottonwood Parkway #300
Cottonwood Heights, Utah 84121

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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.

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