SoFi
SoFi Checking and Savings
One account for spending and saving, with early direct deposit.
By THRYV News Desk · Prices for market US, in the currency of each offer — never converted.
Manufacturer reference: Official SoFi Checking and Savings page ↗
The THRYV verdict
Best for Salaried workers who set up direct deposit.. Scores are THRYV's own weighting. How we score.
What we liked
- Combined checking and savings in one product
- Early access to direct-deposit pay
- No account fee
What we didn't
- Best terms require a qualifying direct deposit
- Cash deposits via retail partners only
| Specification | Value |
|---|---|
| Branches | None |
| Overdraft | Optional cover with direct deposit |
| ATM access | Allpoint network |
| Monthly fee | $0 |
| Deposit protection | FDIC insured; extended cover via partner-bank sweep |
Any amount in this specification table is the manufacturer’s published list price at the time of writing, not a checked live offer. Checked offers, if we have any, appear in the price table below.
Prices
No checked offers for this product yet.
No monthly fee
This is the manufacturer list price — no retailer offer has been verified for it. Checked offers show the retailer and the time we last confirmed the price.
Price history
Price history is being recorded daily from now on — the first chart appears in a few days. We show a trend line only once there are at least 7 days of real measurements; nothing here is estimated or back-filled.
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