SoFi Checking and Savings
Founded 2011
Sells To —
Pricing Model —
Ownership Public
SoFi Checking and Savings
Product
Combined high-yield checking and savings account with up to 4.50% APY, no monthly fees, and early direct deposit.
- Currently Offered
Combined high-yield checking and savings account with up to 4.50% APY, no monthly fees, and early direct deposit.
SoFi Checking and Savings is a combined account offering high-yield savings up to 4.50% APY and checking with 0.50% APY for members with eligible direct deposit. The account has no monthly fees, no minimum balance requirements, and offers up to $2 million in FDIC insurance via partner bank sweeps.
Features include early direct deposit up to 2 days early, a SoFi Bank debit card, and integration with the broader SoFi financial ecosystem.
Capital One Financial
Capital One 360, Capital One 360
capitalone.com
Wealthfront
Cash Account, Joint Accounts
wealthfront.com
Chime
Chime Checking Account, Chime — High-Yield Savings
chime.com
Citizens Bank
Citizens Bank (IN) Mobile Banking App
citizens-banking.com
Mercury
Consumer Banking Account
mercury.com
Goldman Sachs
Goldman Sachs — Marcus
goldmansachs.com
| Attribute | SoFi Checking and Savings | Capital One 360, Capital One 360 | Cash Account, Joint Accounts | Chime Checking Account, Chime — High-Yield Savings | Citizens Bank (IN) Mobile Banking App | Consumer Banking Account | Goldman Sachs — Marcus | |
|---|---|---|---|---|---|---|---|---|
| Provider | | | | | | | | |
| Founded | 2011 | 1988 | 2008 | 2012 | 1931 | 2017 | 1869 | |
| Sells To | — | Individuals | Individuals | Consumers | Business Services, Consumer, Small and Medium Businesses, Small Business | Startup | Institutional | |
| Pricing Model | — | — | Management Fees | Recurring, Software, Transactional | Interest Income | SaaS | Fee-Based Revenue | |
| Ownership | Public | — | Public | Public | — | Private | Public |
Founded 2011
Sells To —
Pricing Model —
Ownership Public
Provider
Founded 1988
Sells To Individuals
Pricing Model —
Ownership —
Provider
Founded 2008
Sells To Individuals
Pricing Model Management Fees
Ownership Public
Founded 2012
Sells To Consumers
Pricing Model Recurring, Software, Transactional
Ownership Public
Provider
Founded 1931
Sells To Business Services, Consumer, Small and Medium Businesses, Small Business
Pricing Model Interest Income
Ownership —
High-yield online savings account earning competitive APY with no fees or minimums, FDIC-insured up to M.
Fee-free online checking account with no monthly fees, no minimum balances, and access to 55,000+ free ATMs.
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High-yield rewards checking with up to 4.00% APY when qualifications are met (e-statements, debit purchases, direct deposit).
Online banking services including savings, checking, CDs, and money market accounts
U.S. Bank checking account with digital money-management tools and Smart Rewards.
High-yield online savings account earning competitive APY with no fees or minimums, FDIC-insured up to M.
Fee-free online checking account with no monthly fees, no minimum balances, and access to 55,000+ free ATMs.
Ally Bank is a direct digital bank offering high-yield savings, checking, and CD accounts.
High-yield rewards checking with up to 4.00% APY when qualifications are met (e-statements, debit purchases, direct deposit).
Online banking services including savings, checking, CDs, and money market accounts
U.S. Bank checking account with digital money-management tools and Smart Rewards.