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SoFi Checking and Savings
SoFi Checking and Savings

SoFi Checking and Savings

ProductOperating Status: Currently Offered

Combined high-yield checking and savings account with up to 4.50% APY, no monthly fees, and early direct deposit.

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Overview

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.

SoFi Checking and Savings - Classification

Industry
  • Digital Banking

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    SoFi Private Student Loans

  • Online Mortgage Lending logo

    Online Mortgage Lending

  • Student Loan Refinancing logo

    Student Loan Refinancing

SoFi Checking and Savings - Direct Competitors

  • Capital One Financial

    Capital One Financial logo

    Capital One 360

    capitalone.com

  • Wealthfront

    Wealthfront logo

    Cash Account

    wealthfront.com

  • Chime

    Chime logo

    Chime Checking Account

    chime.com

  • Citizens Bank

    Citizens Bank logo

    Citizens Bank (IN) Mobile Banking App

    citizens-banking.com

  • Mercury

    Mercury logo

    Consumer Banking Account

    mercury.com

  • Goldman Sachs

    Goldman Sachs logo

    Goldman Sachs — Marcus

    goldmansachs.com

AttributeSoFi Checking and SavingsCapital One 360Cash AccountChime Checking AccountCitizens Bank (IN) Mobile Banking AppConsumer Banking AccountGoldman Sachs — Marcus
ProviderSoFisofi.com4.1B raised · Series FCapital One Financialcapitalone.com954M raisedWealthfrontwealthfront.com758.8M raised · PublicChimechime.com3.1B raised · PublicCitizens Bankcitizens-banking.comMercurymercury.com446M raised · Series CGoldman Sachsgoldmansachs.comPublic
Founded2011198820082012193120171869
Sells To—IndividualsIndividualsConsumersBusiness Services, Consumer, Small and Medium Businesses, Small BusinessStartupInstitutional
Pricing Model——Management FeesRecurring, Software, TransactionalInterest IncomeSaaSFee-Based Revenue
Ownership——PublicPublic—PrivatePublic
SoFi Checking and Savings

Provider SoFisofi.com4.1B raised · Series F

Founded 2011

Sells To —

Pricing Model —

Ownership —

Capital One 360

Provider Capital One Financialcapitalone.com954M raised

Founded 1988

Sells To Individuals

Pricing Model —

Ownership —

Cash Account

Provider Wealthfrontwealthfront.com758.8M raised · Public

Founded 2008

Sells To Individuals

Pricing Model Management Fees

Ownership Public

Chime Checking Account

Provider Chimechime.com3.1B raised · Public

Founded 2012

Sells To Consumers

Pricing Model Recurring, Software, Transactional

Ownership Public

Citizens Bank (IN) Mobile Banking App

Provider Citizens Bankcitizens-banking.com

Founded 1931

Sells To Business Services, Consumer, Small and Medium Businesses, Small Business

Pricing Model Interest Income

Ownership —

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