Unifimoney Review [2026]: Simplify Your Financial Life with an Easy-to-Use App

Unifimoney is an investment and money management platform that offers an online-only solution to simplify financial management and centralize your information in one single app.

The Unifimoney app can help you handle your banking and investing needs. It offers multiple investment options, including the option to buy stocks and alternative assets such as cryptocurrency.

In this Unifimoney review, we'll explore the main benefits and drawbacks of this financial management app to help you decide whether it's a good fit for you.

Quick Summary

Unifimoney offers all-in-one money management to help simplify your finances.

• Save, spend, and invest from one app
  
• Earn a high APY on your bank deposits
• Invest in stocks, precious metals, and cryptocurrency

Visit Unifimoney

Limited-Time Offer

AWARD WINNER Best Online Checking

SoFi Checking and Savings

5.0

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.

Learn More on SoFi's secure website, Member FDIC

Bonus Offer

Up to $300 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 12/31/2026. 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 3.30% 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 3.30% 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 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

Minimum Opening Balance

$0

Monthly Fee

$0

Why We Like It

• Earn a $50 or $300 bonus with eligible direct deposit¹ <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 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% 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 3.30% 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 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at&nbsp;<a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> and up to 4.00% APY² <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) 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 3/30/2026. Rates variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> on your money
• Limited-Time Offer: +0.70% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) 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 3/30/2026. Rates variable, subject to change. Terms apply at&nbsp;<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, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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>

Learn More on SoFi's secure website, Member FDIC

Key takeaways

• Unifimoney offers a comprehensive money management solution that allows users to handle their banking and investing needs through a single app.
• Unifimoney partners with other financial service providers to offer a range of services through its app, including high-yield cash accounts, investment services, and more.
• The investment options available through Unifimoney include self-directed investing in stocks and ETFs, robo-advisory services with different investment profiles, and the ability to invest in cryptocurrencies and precious metals.

What is Unifimoney?

Unifimoney was founded by Ben Soppitt and Ed Cortis in 2019. Although neither had ever started a company before, they had more than four decades of collective experience working in finance and technology. They wanted to harness their knowledge to provide a simplified approach to money management.

The San Francisco-based company isn't a bank, credit card issuer, or investment advisor. Instead, it partners with other top-notch financial service providers to deliver any and all options its clients would need — all from one full-service app. It offers a single integrated account with high-yield checking, investing, and a credit and debit card.

Although some of Unifimoney's programs are still being rolled out, the company has already earned a 4.6 out of 5-star rating on the Apple App Store. And it's partnered with banks and investment platforms insured by the Federal Deposit Insurance Corp. and Securities Investor Protection Corp., such as UMB Bank and DriveWealth, which could help to protect clients' funds.

What does Unifimoney offer?

Unifimoney aims to be a complete money management solution, which can make it easy for users to manage their financials in one place. By harnessing the power of technology, it also aims to keep costs low.

Unifimoney offers checking accounts, a debit card, a credit card, and a full-featured investment platform with the option to use a robo-advisor or manage your portfolio on your own. Although users can invest in more traditional asset classes like stocks, they can also buy cryptocurrencies.

The company offers a mobile app, which is available only for iPhone — not Android at this time. It also provides:

• A high-yield checking account
• A rewards credit card
• An investment platform
• Student loan refinancing
• Mortgages and refinance loans
• Car, home, and life insurance
• Health savings accounts

High-yield checking account

Editor's note: Unifimoney's high-yield checking account is no longer offered.

Unifimoney aims to be the best checking account available by providing the opportunity to earn a 0.20% (as of Jan. 9, 2023) APY. Most checking accounts aren't interest-bearing, which means they pay little or no interest to their customers.

The company does have certain requirements for its checking account, though. Specifically, you'll need to keep at least $20,000 in your checking account or make monthly deposits of at least $2,000 to avoid a $10 minimum account fee after three months.

The good news is the account offers several features in addition to earning interest. You'll have access to a Visa debit card and can make free withdrawals at 55,000 Allpoint ATMs throughout the United States. You also have the option to set up direct deposit, get a checkbook, take advantage of mobile check deposit, and make online bill payments with more than 20,000 merchants.

Your account will also be protected by up to $750,000 of FDIC insurance through UMB Bank. In keeping with Unifimoney's goal of simplifying and automating money management, it automatically invests a minimum of $25 per month from your checking account to your Unifimoney investment account. And there's no upper limit on the amount you can choose to automatically invest.

Unifi Premier credit card

Unifi Premier, the Unifimoney credit card, is a Visa credit card that is slated to become available in the first quarter of 2022.

Specific details about its rewards program are not yet available. But the card sets itself apart by providing cardholders with the choice of redeeming cash back into equity investments, gold, or even Bitcoin.

The card will also offer other important perks such as car rental insurance and identity theft protection.

Unifi investment account

Management fees	0.15% or 0.30%
Asset classes	Stocks Cryptocurrencies Precious metals
Account types available	Self-managed Robo-advisor
Features	Commission-free equity trades Fractional shares SIPC insurance
	Visit Unifimoney
	Paid Non-Client Promotion FinanceBuzz doesn’t invest its money with this provider, but they are our referral partner. We get paid by them only if you click to them from our website and take a qualifying action (for example, opening an account.)

If you're wondering how to invest money, Unifimoney offers many different investment options. Rather than having to separately figure out how to buy cryptocurrency or how to buy stocks, you could invest in both through your account.

And you can choose to set up automatic transfers from checking and automatically invest your credit card rewards from the Unifimoney Premier card, which makes it easy to potentially grow your investment portfolio over time. Just remember that all investments are subject to risk, and growth isn't guaranteed.

Here are some of the investment options available when you use Unifimoney.

Self-directed investing

Unifimoney's self-managed trading platform allows commission-free trading in stocks and exchange-traded funds. Fractional shares are also available, which means it is possible to invest as little as $1 and simply buy a fraction of a share of your chosen investment even if the price per share is far higher.

You'll also be able to take advantage of optional features that help you choose investments. For instance, it offers 12 investment themes created by a board advisor highlighting interesting companies in fields like clean energy, information technology, and women in leadership to help you research potential investments.

Robo-investing

If you'd prefer to be more hands off in your investing, you can take advantage of Unifimoney's robo-advisory services. There are several options, including:

• Tenjin AI Basic: This entry-level service invests your money in a portfolio of smart ETFs that follow Environmental, Science, Governance (ESG) principles. Advanced machine learning determines an appropriate investment mix. It comes with an annual fee of .15% of assets under management
• Tenjin AI Advanced: This service develops a personalized investing profile based on your risk tolerance. Your portfolio is rebalanced quarterly using smart rebalance, which also uses machine learning to predict market downturns and make adjustments to portfolios to maximize your potential returns. It comes with an annual fee of .30% of assets under management.

Cryptocurrencies and precious metals

In early 2021, Unifimoney partnered with crypto exchange Gemini to enable its users to invest in crypto. Through the Unifimoney platform, you can invest in Bitcoin and 32 other cryptocurrency tokens.

Unifimoney users can also choose to invest in gold, silver, and platinum. You can buy in any quantity and will have direct ownership of the metal you invest in. The platform also offers the convenience of fractional investments for certain types of precious metals.

Unifimoney insurance

If you're looking for insurance, Unifimoney also makes it easy to apply for car insurance, home insurance, and life insurance. Insurance is offered through partners, including Gabi for auto insurance, Covered for home insurance, and Ladder Life for life insurance.

If you apply for either auto or home insurance, you could become eligible for a $15 Bitcoin reward just for requesting a quote and fulfilling certain terms and conditions.

Life insurance is available for qualifying individuals between the ages of 20 and 60. You can apply directly online, the process takes as few as five minutes, and you can purchase between $100,000 and $9 million in coverage with no hidden fees.

Unifimoney lending

If you're interested in a loan, Unifimoney also offers student loan refinancing, home loans, and home loan refinancing.

Borrowers could potentially secure large amounts of financing if they need it. For example, it's possible to refinance up to $250,000 in student loan debt and qualify for up to $5 million in financing for a home loan.

Unifimoney offers some unique bonuses with certain lending products as well. The company offers up to a 1% bonus for those who refinance student loans, with those who borrow larger amounts receiving larger bonus rewards. And home loan customers might qualify for a .5% discount on their mortgage loan through Unifimoney.

Pros and cons of Unifimoney

Unifimoney has some significant advantages:

• Convenience of managing your banking, investing, and credit card through one platform
• Commission-free trading and fractional shares could make investing easy and affordable
• APY is higher than what you'd get with most checking accounts
• Robo-advising fees are relatively low
• Automatic investments can help to make growing wealth easier

However, there are also some downsides:

• High minimum balance requirements for the checking account could mean many users get hit with fees
• The quality of service depends on Unfimoney's different partners — the company doesn't actually provide the services itself
• Some features, such as the credit card, haven't been rolled out yet
• Mutual funds can't be purchased through Unifimoney, though it offers many other investment options

Who can open an account with Unifimoney?

You will need to be able to download the Unifimoney iOS app to open an account, so those who don't use Apple products can't currently use the platform's services.

The company also caters to young professionals and high earners who have a lot of money to deposit into their checking accounts. People who don't deposit $2,000 per month or leave thousands in their checking account might prefer a different bank. Many banks don't impose such costly requirements in order to avoid monthly fees.

How much can you earn with Unifimoney?

Unifimoney's interest-bearing checking account is unique, as many checking accounts provide little or no interest. A 0.20% yield is generous in today's low-rate market, and you could earn a lot of interest over time if you have a large account balance.

Here's an example of how much you might earn if the APY on the Unifimoney High-Yield Checking Account remains consistent versus the rate for a traditional interest checking account:

If you use Unifmoney's investing features, your earning potential might be higher, but it depends on how well your investments perform. There is always a risk with any investment. So if you are purchasing cryptocurrencies, stocks, ETFs, or precious metals, be aware that you could make money, but you could also lose money.

4.8

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.

Bank of America Advantage Banking

Up to $500 cash offer. Click ‘Learn More' for more details. Bank of America, N.A. Member FDIC.

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4.6

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>

Download Cash App

5.0

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.

AWARD WINNER Best Online Checking

SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit

Limited-Time Offer: Earn a $50 or $300 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.30% 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 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% 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 3.30% 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 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at&nbsp;<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 up to 6 Months on new accounts. Terms Apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) 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 3/30/2026. Rates variable, subject to change. Terms apply at&nbsp;<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, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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>

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4.3

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 $400 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 $1,000 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 4/15/2026.

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FAQS about Unifimoney

How to open a Unifimoney account

To open a Unifimoney account, you will need to download the app from the iOS App Store. You must be 21 years or older, a U.S. resident, and have a current Social Security number or individual taxpayer identification number.

After downloading the app, you will need to provide your identifying information, including your name and contact details. You can decide which Unifimoney services to use, but remember some options such as its credit card are not yet available.

Other platforms to consider

If Unifimoney isn't the right choice for you, there are other options out there, including:

Stash¹¹ <p> </p><p>Paid non-client endorsement. The paid partner received cash compensation of up to $150.00 (per cost per action) for providing this endorsement. Compensation creates an incentive for the individual to recommend Stash. Endorsements are not representative of the experience of all clients and are not guarantees of future performance or success. For a representative sample of client testimonials, refer to Apple App Store or Google Play reviews To begin investing on Stash, you must be approved from an account verification perspective and open a brokerage account (“Personal Portfolio”). Promotion offer is subject to <a href="https://lp.stash.com/personal-portfolio-5-first-deposit-offer-promoter/" target="_blank" rel="noopener noreferrer">Terms and Conditions</a>.</p><p> </p><p>This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Stash customers. All investments are subject to risk and may lose value. All product and company names are trademarks ™ or registered ® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.</p> <p>Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.</p> <p>What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. See full terms and conditions.<br><br>Fractional shares start at $0.05 for investments that cost $1,000+ per share.</p> is similar to Unifimoney in that it offers a bank account and also a debit card that provides Stock-Back Rewards®.¹² <p>&nbsp;Double Stock-Back® Rewards is subject to <a href="https://cdn.stash.com/disclosures/Platform_Tier_3_Supplemental.pdf" target="_blank" rel="noopener noreferrer">terms and conditions</a>.<br></p> When you make purchases at participating retailers with your Stash debit card, you can actually get rewarded with portions of retailers' stock. It also offers investment products, but though you could build a customized portfolio of stocks, bonds, and ETFs,¹³ <p class="">Before investing in any exchange-traded fund, consider your investment objectives, risks, charges, and expenses.&nbsp;<br></p> you can't buy cryptocurrencies on Stash.

Read our full Stash review to learn more.

E-Trade is a more traditional discount online broker. It doesn't provide the integration with other financial products that Unifimoney does, but it does offer the option to invest in mutual funds, which are not available with Unifimoney.

Read our full E-Trade review to learn more.

Bottom line

Whether Unifimoney makes sense for you depends on your personal finance situation and goals. If you want one app to handle all your money management tasks or you're interested in automating your investing and earning credit card rewards in the form of cryptocurrency or equity investments, Unifimoney might be worth considering.

Just be aware the platform has high minimum balance requirements to fulfill to avoid monthly checking account fees. If you don't have a lot of money to leave in a checking account, this company might not be a good fit.

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5.0

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.

AWARD WINNER Best Online Checking

High APY of up to 4.00% on Savings (3.30% 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 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% 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 3.30% 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 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at&nbsp;<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 up to 6 Months on new accounts. Terms Apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) 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 3/30/2026. Rates variable, subject to change. Terms apply at&nbsp;<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 network¹⁴ <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>

Author Details

Christy Rakoczy

FinanceBuzz writer Christy Rakoczy has a Juris Doctorate from UCLA Law School with a focus in Business Law, and a Certificate in Business Marketing with an English Degree from The University of Rochester. As a full-time personal finance writer, she writes about all things money-related, but her special areas of focus are credit cards, personal loans, student loans, mortgages, smart debt payoff strategies, and retirement and Social Security. Her work has been featured by USA Today, MSN Money, CNN Money, and more, and you can learn more at her LinkedIn profile.