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Opening a bank account used to involve visiting a branch in person, filling out paperwork, and making your first deposit by cash or check. Now, you can open a bank account online by providing some basic information and documentation and funding your account electronically.
Opening an account online has many benefits, namely that you can fill out an application whenever you want and not even have to change out of your pajamas. Since many banks are online-only these days, you'll also have more options that may offer lower fees and better interest rates.
Learning how to open a bank account online might feel intimidating if you're used to the old-school method, but you shouldn't worry because we'll walk you through each step.
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Our partners do not influence our ratings.
Up to $300New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found athttp://www.sofi.com/legal/banking-rate-sheet.
Minimum Opening Balance
$0
Monthly Fee
$0
Why We Like It
Earn a $50 or $300 bonus and up to 4.30% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> on your money with eligible direct deposit
Limited-Time Offer: +0.70% Boost on Savings APY for 6 months on new accounts with eligible Direct Deposit. Terms Apply.2 <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
No account, overdraft, or monthly fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Get your paycheck up to two days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
Access additional FDIC insurance up to $3 million5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
Before opening a bank account online, consider the bank's fees, minimum balance requirements, online and mobile access, and ATM or branch locations.
To complete an online bank application, you'll generally need your full name, Social Security number, current address, email address, and phone number.
Some banks also require documentation such as a photo ID and proof of address.
Whichever bank you choose, make sure the financial institution is insured by the Federal Deposit Insurance Corporation (FDIC) or National Credit Union Administration (NCUA).
How to open a bank account online in 5 easy steps
My mom took me to open my first bank account when I was 15 and had a summer's worth of babysitting money burning a hole in my pocket. I've used that account fairly regularly since, but the recent rise in interest rates made me curious if there was a more current account that could beat what I was earning.
Honestly, I put off opening a new account because I thought it would take forever and be a complicated process. But when I finally buckled down and looked at the available options, I realized that breaking the process down into a few steps made it faster and easier than I thought it would be.
Here's what I recommend.
1. Find the right bank
The best banks often have the right mix of features and protections that best match your overall financial needs. As you research various options, keep these key features in mind.
FDIC/NCUA Insurance: I consider FDIC or NCUA insurance the first test for any bank or credit union. In case of bank failure, this coverage will protect the money in your account for up to $250,000 per depositor, per account ownership category, per insured bank. It covers multiple account types, including checking, savings, money market, and certificate of deposit (CD) accounts. You can use this tool to find an FDIC-insured bank or this locator to find an NCUA-insured credit union.
Customer service: Another top feature I wanted in a bank was a strong customer service team. Read customer service reviews from the Better Business Bureau and other sites to understand what other customers have experienced and how a bank handles customer problems. If you plan to use mobile banking, read reviews on the App Store or Google Play to see where customers have experienced issues with the bank's app or website.
Financial products offered: Pay attention to any bank's financial products. While some are best known for checking and savings accounts, some offer other products that may work better for your situation. Besides various personal deposit accounts, examples include credit cards, loans, mortgages, business accounts, and investment options.
ATM and branch locations: While visiting a bank branch in person is probably less important to some people, you may still need to pop in for a question or to handle an issue. Look for a bank with branches near places you already frequent, such as your home, office, gym, or your child's school. While reviewing locations, check out the bank's ATM network and confirm that you can easily access at least a few in-network ATMs to avoid out-of-network fees if you need cash.
2. Decide on a bank account
Many banks offermultiple kinds of accounts, including standard checking, savings, CDs, and money market accounts.
A checking account is a good choice if you want an everyday account that allows you to pay bills, access a debit card, and write checks. It usually doesn't have monthly withdrawal limits, so it gives you the most flexibility for using your funds.
Savings, CDs, and money market accounts are all savings products that pay interest but offer varying degrees of access to your money.
Savings accounts: Depending on your bank's monthly withdrawal limits, savings accounts generally provide the easiest access to your funds, but unless it's a high-yield account, you may not earn much interest.
Money market accounts: Not to be confused with an investing product called money market funds, these accounts might allow you to write checks or make debit card transactions while you earn a higher interest rate. However, they often come with larger minimum balance requirements.
CDs: CDs generally earn a high interest rate, but you typically can't access your money for the CD term without paying a penalty. They stand out from the other savings options since they usually have fixed rates.
Be on the lookout for some of these features as you consider your options.
Fees: No matter which account type you're interested in, try to find an option that doesn't charge monthly maintenance fees and keeps other fees to a minimum. Some banks don't charge fees on certain accounts but do so on others. Institutions that charge fees may offer ways to avoid them, such as keeping your account's daily or monthly balance at a specific dollar amount or setting up a direct deposit.
Interest rates: Savings accounts, money market accounts, and CDs all earn interest on the money you deposit. Some of the best checking accounts even pay interest on your balance if you meet specific requirements. Look for a bank offering high interest rates, but also consider other features to help you make the best choice.
Account minimums: Pay attention to any minimum balance or opening deposit requirements. Some bank accounts only require $5 or $10 to open, but you may not earn the highest interest rate if you don't maintain a certain balance. Try to find accounts without any minimums to keep things simple.
Additionally, pay attention to features like:
Overdraft protection and fees (for checking accounts)
Flexibility to access your money via debit card or ATM
Automatic deposits and withdrawals
Ability to open joint and sole ownership accounts
Mobile banking options, such as mobile deposits and Zelle transfers
ATM fees
Account notifications via text or email
Account security options, such as debit card locking
Finally, always read the account disclosures and fee schedule to understand how the account works, how much the bank may take in fees, and what options you have to waive fees.
3. Gather important information and documentation
Having all the documents and information you'll need close by can help make the application process go smoothly.
The documentation requirements differ by bank, but the most common information needed includes:
Identification: You generally must have a valid form of identification – such as your driver's license, passport, or Social Security card – to open a bank account. You can also typically use a state-issued identification card if you don't drive.
Proof of address: While your driver's license might also meet this requirement, banks might ask for a utility bill, insurance card, mortgage statement, or other document that verifies your current address.
Personal information: You'll need to provide your full name, current address, email address, phone number, and employment information. You'll also likely need to provide your Social Security number so the bank can verify your identity.
Banking details: This is also an excellent time to find the information you need to fund the account, such as your current banking details (routing and account number). You can see that information on a paper check or your online banking site. You might be able to use your debit card to complete account funding as well.
If you're opening a joint account, know that you'll need the other person's information and documentation too. Before opening an account at a credit union, you should confirm that you meet the eligibility requirements for community members.
4. Complete the bank account application
When your information is ready, visit the bank's website to complete the application, which you'll often find linked to on the account's page. Most banks and credit unions make it easy to complete an online application within a few minutes. However, checking with the bank or credit union about any special processes required before you start may be beneficial.
You'll need to provide your personal information and likely verify it through a series of questions. You might also need to enter or upload your proof of address and ID information. Once verified, you can choose your account type and funding method. You'll likely need to set up a username and password during the application process.
Once you submit the application, the bank will review it and usually let you know within a day or two if it approves your account.
Warning
Note: You may sometimes need to submit copies of documentation via fax or mail. Some banks may also require that you bring the physical documents to a branch or come in person to complete a physical signature card for your file.
5. Put money in your bank account
You can usually add money to your new account during or just after the application process. Most banks allow transfers via ACH, electronic check, or wire transfer, and some enable deposits by paper check, cash, or money order as well. The bank will likely give you step-by-step instructions for completing the transfer.
Typically, the funds transfer won't happen until the bank approves your application. After that, the first transfer will proceed; it can take anywhere from a few hours to a few days. The amount of time it takes to transfer funds can depend on several factors, including the type of transfer and the type of account you're transferring money from.
Tips for using your new bank account
Once you've completed the initial funding, it's time to set up the rest of your financial life. Some of these may not apply depending on the type of account you opened.
Gain online access: After the bank approves your account, you'll need to set up online access, typically by using the username and password you created when you started the application. Take some time to familiarize yourself with the online platform to make it easier to find information later. Set up text or email alerts to notify you of unusual account activity.
Set up direct deposits: Once the account is open and funded, you can move any necessary direct deposits to the new account. Your employer typically has a form you'll need to fill out to change your direct deposit information. Remember to update any automatic withdrawals or bill payments to your new account.
Activate debit/ATM cards: If you open a checking account (or even some money market and savings accounts), you may receive a debit or ATM card. Watch your mail for the card delivery and follow the instructions to activate it.
Minimize fees and minimum balance requirements: Pay attention to any fees your bank charges and look for ways to reduce them. If you choose an account with minimum balance requirements, develop a plan to always keep the minimum in the account. For example, you might arrange for monthly automatic transfers or use direct deposit.
Recommended online bank accounts
If you're not sure where to start with looking for an online bank account, here are two excellent options.
SoFi Checking and Savings: With SoFi®, you open both a checking and savings account (you can't open either on its own). But that's a good thing, since they both have excellent annual percentage yields (APYs) — 0.50% for checking with direct deposit and up to 3.60% for savings with direct deposit.6 <p>Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at <a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a></p> Member FDIC.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
Discover: Discover is unique in that you can earn 1.00% on up to $3,000 in debit card purchases each month. It's unusual to earn rewards like this on a checking account, so if you do your spending primarily with a debit card, this account is worth considering.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Use Cash App As Your All-in-One Financial Services Platform
Bank7 <p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.</p><p class="">Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.</p> without all the fees—save, send, and spend your money the way you want.8 <p class="">Your balance is eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, and not an FDIC-insured bank. Prepaid debit cards issued by Sutton Bank, Member FDIC. See <a href="https://cash.app/legal/us/en-us/card-agreement">terms and conditions</a>. </p> Get paid up to 2 days early – up to 2 days earlier than most banks9 <p>Your first deposit may take longer depending on your employer.</p>
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Enjoy $300 as a new Chase checking customer
When you open a new Chase Total Checking® account with qualifying activities.10 <p>Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $500 or more made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.</p> FDIC Insured. Offer valid through 1/21/2026.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit
Limited-Time Offer: Earn a $50 or $300 bonus and up to 4.30% APY on Savings (3.60% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
How much money do you need to open a bank account online?
The amount of money you need to open an online bank account varies from bank to bank and the account you want to open. Some banks don't require a minimum while others may require $25 to $100 (or more) to open an account. Some accounts, like CDs and money market accounts, typically require a higher starting balance.
What is the easiest bank account to open online?
Some may find that the easiest bank accounts to open online are at institutions that don't look at your previous banking history and don't have minimum balance requirements to meet. Some banks offer checking accounts or prepaid cards designed to reduce the risk for both you and the bank, which may mean they're easier to open than a more traditional account.
What documentation do you need to open a bank account online?
To open a bank account, you must provide your full name, Social Security number, current address, phone number, and email address. Other common items include your employer information, a photo ID, and proof of address. Each bank's process differs, so check your specific bank's requirements before applying.
Bottom line
Opening a new bank account may feel intimidating, but it doesn't have to be. Before you start, research banks and accounts thoroughly to find one that fits your financial needs. Pay attention to the account disclosures and documentation to understand the fees, minimum balance, and additional account requirements.
If you have any questions about a potential account, don't hesitate to ask the bank over the phone or via its online chat. You can also contact the institution if you run into any snags during the application process.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
High APY of up to 4.30% on Savings (3.60% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
Paycheck access up to 2 days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
No monthly maintenance or overdraft fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Streamlined savings and savings goals with Vaults
Access to a large ATM network11 <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>
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