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Sofi checking and savings is offered through sofi bank, n.a You can deposit checks, pay bills, send money to others and set up automatic savings features with no monthly service fees. The sofi® bank debit mastercard® is issued by sofi bank, n.a., pursuant to license by mastercard international incorporated and can be used everywhere mastercard is accepted.
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Sofi bank, n.a., the online banking arm of the financial technology company sofi, offers a highly competitive bundled checking and savings account Sofi checking and savings is sofi’s online banking solution The account has no monthly fees and offers.
Financial services company sofi gained its bank charter in 2022 and launched a combination checking and savings account, which is not a common offering
It has some of the best rates available,. Founded in 2011 at stanford university, [5][6] it operates as a direct bank and provides its technology platform to other financial institutions [7][8][9] sofi is the largest online lender in the u.s., [10][11] and has 12.6 million customers as of 2025. The app is highly rated and gives you access to budgeting tools, credit score tracking, and the ability to manage loans, investments, and insurance alongside your checking and savings.
Note that there’s a fairly high direct deposit requirement to earn the best apy. Awarded best online bank of 2025, sofi bank offers accounts with high apys and no account, overdraft, or monthly fees Open a bank account online today. In this sofi review, we look at the bank’s safety, ownership, app experience, pricing, pros and cons, and how its digital platform stacks up against traditional banks
