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

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