Earn up to 4.00% APY¹ & $50 or $400 when you sign up and set up eligible direct deposit.²

• $0 minimum balance to earn APY
• Open Checking & Savings Accounts with one sign-up
• Up to 2-day-early paycheck³
• FDIC Insured up to $250k plus up to $3M in supplemental insurance⁷
• No account fees³ & no-fee overdraft coverage⁶

*Rate as of 12/23/2025

Open SoFi Account Today