SoFi - Banking & Investing

Mobile banking and investing made easy. Send money instantly, deposit checks digitally, pay bills online, track spending with budget tools, save cash in high-yield accounts, and trade stocks with no commission (other fees apply).
WHY DO 11.7M MEMBERS LOVE SOFI?
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SOFI PLUS PREMIUM MEMBERSHIP
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• America's most rewarding financial membership with $1,000+ in value² each year with qualifying activities.
• Exclusive cash back rewards, lending discounts, and savings perks to help you reach your goals.
• Sign up for $10 / month or at no cost with direct deposit.
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MOBILE BANKING FEATURES
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• Mobile checking with no monthly fees, no minimum balance requirements, and no overdraft charges^ for no account-fee free banking.
• Get your paycheck up to two days early with direct deposit* and enjoy immediate access to your funds with mobile banking.
• Find and use over 55,000+ fee-free ATMs nationwide³ to access your cash without ATM fees or surcharges.
• Send money to friends, pay bills online, and make transfers between accounts without extra charges or waiting periods.
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INVESTING TOOLS
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• Trade stocks and ETFs with no commission through our easy-to-use online investing platform with SoFi Securities (other fees apply).
• Start investing in fractional shares with just $5 to build a diversified stock portfolio, regardless of your budget, with SoFi Securities (restrictions apply).
• Access exclusive IPO stock investments before public trading through SoFi's investment platform advantages.
• Choose automated investing options tailored to your financial goals with digital portfolio management with SoFi Wealth.
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HIGH-YIELD SAVINGS
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• Earn a highly competitive APY¹ with direct deposit to maximize your savings account growth.
• Create custom Savings Vaults for your financial goals to organize funds for emergencies or major purchases.
• Transfer money instantly between checking and savings accounts§ with no transfer fees or waiting periods.
• Track savings progress with digital tools and watch your money grow faster than with traditional banks.
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PERSONAL LOANS & CREDIT
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• Apply for competitive loan rates for debt consolidation, home improvements, or other major purchases.
• Monitor your credit score with regular updates and credit tracking to stay informed about your financial health.
• Explore student loan refinancing options to potentially lower your monthly loan payments and save money.
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BUDGET TRACKER
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• Track spending across all your linked accounts with automatic budget categorization and spending insights.
• Get real-time spending alerts for unusual activity to help protect your accounts and maintain your budget.
• Set up bill payment reminders to avoid late fees and keep your budget on track with our money management tools.
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SECURITY FEATURES
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• Bank-level digital encryption protects your personal and financial information when banking online.
• Receive instant fraud alerts for suspicious account activity to protect your money and personal information.
• Bank with confidence knowing your deposits have FDIC insurance protection up to $3 million⁶.
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SPECIALIST SUPPORT
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• Get help from our dedicated financial team 7 days a week for all your banking and investing questions.
• Connect through secure in-app chat for immediate assistance with your accounts, loans, and investments.
• Call us directly at (855) 456-SOFI (7634) for customer support.
Download SoFi today for better mobile banking, investing, and budget tracking! Join 10M+ members managing money in one powerful app with exclusive financial features.