SoFi: Bank, Invest & Loans

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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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 yo