Personal accounts

SoFi Checking and Savings

SoFi Bank, N.A.

Bank

Monthly fee

$0No account, service, or maintenance fee. Outgoing wires, Instant Transfers, and global remittances are charged separately.as of Oct 30, 2026 source

APY

3.30%Savings APY with eligible direct deposit, as of Oct 20, 2026. No minimum balance. New members can get a 1.10% boost for up to 6 months, up to 4.40%, if they qualify.as of Oct 30, 2026 source

Sign-up bonus

Up to $400Direct deposit bonus through Dec 31, 2027. $50 if eligible deposits total $1,000 to $4,999.99 in 25 days. $400 at $5,000 or more. $0 below $1,000. One bonus per member.as of Oct 30, 2026 source

Min. deposit

$0as of Oct 30, 2026 source

• No monthly fee
• 3.30% savings APY with direct deposit
• Up to $400 direct deposit bonus