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Bank profile · United States

SoFi Bank

App-based checking, savings and broader financial services

SoFi Bank is a digital-first banking brand with strong online checking, savings and lending visibility. Customers can compare personal and business services, manage routine transactions and check the rules tied to their own account. Use the guides below for practical questions about deposits, cash access and moving money.

Personal bankingOnline + mobileMilestone 2022
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Who Is SoFi Bank For?

Banking for a brighter tomorrow

Different customer needs, with guidance tailored to SoFi Bank.

01

Digital-first customers

People comfortable managing everyday checking and savings through an app-based banking experience.

02

Financial platform users

Customers who want banking alongside SoFi’s wider lending and financial-service products.

03

Mobile account users

People checking SoFi Bank transactions, account access and the status shown in the service’s own app.

04

Customers planning ahead

People comparing account features, borrowing needs and service access before choosing the right SoFi Bank product.

What Makes SoFi Bank Different?

Built for what’s next

The institution’s background, service model and practical account context.

01

National-bank approval

SoFi received regulatory approval to become a national bank in 2022.

02

App-based everyday banking

Checking and savings managed through digital account tools.

03

Broader financial platform

Banking alongside SoFi’s lending and other financial-service products.

04

Digital banking model

Account access does not depend on a traditional retail branch network.

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Example questions

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Money answers about SoFi

Start with fees, transfer limits and deposit rules that can affect what you pay, how much you can move or when funds become available.

More SoFi banking answers

Research-backed answers to specific account and payment questions.