Sofi Banking Free Online Banking

You receive $25 from Sofi bank when you open a Sofi checking account with $50. Sofi banking is online and very convenient.

Less get started today.

Money, Money, Money



With SoFi Banking, you can enjoy the convenience of getting paid up to 2 days early, giving you quicker access to your hard-earned money. Say goodbye to account fees and overdraft fees^, allowing you to keep more of your funds where they belong. Plus, when you sign up and set up direct deposit, you can earn up to $300† as a welcome bonus. With FDIC insurance** providing peace of mind, SoFi Banking offers a secure and fee-free banking experience that makes managing your finances easier than ever. Start using SoFi Banking today to take control of your financial future with added perks and benefits.

  • Low monthly payments
  • Get funds as soon as the same day you sign Same-Day Personal Loan Funding: or we can pay off your credit card directly.
  • Credit card debt consolidation loans
  • Home improvement loans
  • Family Planning Loans
  • vacation loans
  • wedding loans
  • student loan refinancing
BenefitStandardPlus
Savings APY¹1.20%4.0%
Rewards points on qualifying activity²1x2x
Credit card cash back rewards³Up to 3%Up to 3.3%
Extra rate discount on personal loans⁴0.25% discount
SoFi Travel cash back rewards⁵

3% on hotels