The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.
Enjoy comprehensive banking solutions with SoFi Checking and Savings accounts, offering competitive interest rates on new accounts with eligible Direct Deposit*, while allowing you to receive your paycheck two days early with direct deposit.
Get fee-free ATM access, strong savings features, a robust remote customer service experience, and the option for up to $3 million in federal insurance, all while saying goodbye to overdraft fees.
Visit SoFi ➜SoFi, Member FDIC.
With an option to earn competitive interest rates, early paycheck access, wide ATM access, and no overdraft fees, SoFi combines convenience and financial growth. The SoFi Checking and Savings Account offers a unique solution that serves both checking and savings needs, with each part of the account having different interest rates.
The savings component of the account is designed to support various saving goals through features like savings vaults and an automatic savings program known as Roundups. This program rounds up debit card purchases to the nearest dollar, depositing the difference into a designated vault.
Unlike typical banks which offer Federal Deposit Insurance Corporation (FDIC) insurance up to $250,000, SoFi extends this protection through its network of banks, allowing funds to be insured up to $3 million. Plus, SoFi provides a range of convenient customer service options, including extended phone hours, a virtual assistant for chat support, and comprehensive website tools.
Our site is regularly updated with new rates.
For the latest info, click here to visit SoFi's site.
SoFi offers a unique Checking and Savings account that provides customers with various financial benefits. SoFi reserves the right to change interest rates, fees, and other pricing. The company's strong remote customer service, up to $3 million in federal insurance, and overdraft protection programs make it a compelling choice for digital-first money management.
Visit SoFi ➜SoFi, Member FDIC.
SoFi reserves the right to change rates, fees, and other pricing. For the most up-to-date information and to explore SoFi products, please click the button above to visit their site.
Not ready to commit? Find the product you need below and view side-by-side bank comparisons with competitive rates and low fees.
Want to compare more?
SoFi Disclaimer: New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
Learn more about how findbanks.com rankings are determined.
Frequently Asked Questions (FAQ)
