SoFi: Bank, Invest & Loans

Invest, bank & save in one app. Trade stocks, earn high APY & budget smarter.

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, trade stocks with no commission (other fees apply).

WHY DO 11.7M MEMBERS LOVE SOFI?

NEW! SOFI PLUS PREMIUM MEMBERSHIP
• America's most rewarding financial membership with $1,000+ in value² each year for your banking and investing needs.
• Premium mobile banking features and digital investing tools for just $10/month to enhance your financial management.
• Exclusive cash rewards, money-saving perks, and special banking discounts to boost your savings goals.
• Enter to win prizes that could fund your biggest financial ambitions through SoFi's member sweepstakes.

MOBILE BANKING FEATURES
• 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.

INVESTING TOOLS
• 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 from SoFi Wealth.

HIGH-YIELD SAVINGS
• 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.

PERSONAL LOANS & CRE