SoFi: Bank, Invest & Loans

Mobile banking and investing made easy. Send money instantly, deposit checks digitally, pay bills online, track spending with budgeting tools, save cash in high-yield accounts, and trade stocks with no commission (other fees apply). Join 12.6M members banking, investing, and saving with SoFi. Mobile Banking & Checking Account Checking account with no account fees, no minimum balance- mobile banking made easy. Direct deposit gets you paid up to 2 days early⁵ with instant access to your funds.

Send money, pay bills online, transfer funds between accounts with no extra charges. Stock Trading & Investing Trade stocks and ETFs with no commission through SoFi Securities (other fees apply). Invest in fractional shares starting at just $5 to build your stock portfolio (restrictions apply). Automated investing with digital portfolio management from SoFi Wealth. High-Yield Savings Account Earn high APY¹ on savings balances. Savings Vaults help organize emergency funds and savings goals in one place.

Instant transfers between checking and savings with no fees anytime. Personal Loans & Credit Score Personal loan rates for debt consolidation, home improvements, and major purchases. Track your credit score with regular updates and monitoring tools. Pre-qualify for loans without affecting your credit score- compare rates instantly. Budget Tools & Money Management Budget tracker with automatic spending categorization across all linked accounts. Real-time spending alerts protect accounts and help maintain your budget.Bill payment reminders keep you on track and avoid late fees. Bank Security & Customer Support Bank-level encryption protects personal and financial information with fraud alerts. Instant notifications for suspicious account activity keep your money safe. Financial support.

Team available 7 days/week via chat or (855) 456-Sofi (7634). ¹SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 31-Day Evaluation Period 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 req. The interface is organized for quick access to the most frequently used functions, reducing the time needed to complete common tasks.

Advanced options are available for users who want to customize their experience and optimize the application for their workflow. Data sync and backup features help users keep their information safe and accessible across multiple devices when needed. The application supports a wide range of file formats and integrates with popular services to extend its usefulness. Performance optimization ensures smooth operation even on older hardware, making it accessible to a broad user base. Comprehensive documentation and in-app guidance help new users get started quickly while power users can explore advanced capabilities. Users can organize content, apply filters, and access key functions through an intuitive layout that minimizes learning curve.

Cross-platform support and cloud integration extend the application's reach across different devices and ecosystems. Built-in tutorials and contextual help ensure that users can discover and master features at their own pace. Advanced options are available for users who want to customize their experience and optimize the application for their workflow. The interface is organized for quick access to the most frequently used functions, reducing the time needed to complete common tasks. Advanced options are available for users who want to customize their experience and optimize the application for their workflow.