SoFiの当座預金と普通預金

Q: How easy is it to open a bank account online?

Opening an account is quick and easy. All we need are a few pieces of information such as name, home address, and Social Security number. In some cases, we may need additional documentation like a copy of your driver’s license, and/or a current photo ID to verify your identity.

Q: Is there a minimum age?

You must be 18 years or older to open an individual or joint account.

Q: Can a student open an account?

Of course. Anyone over 18 can open an individual or joint online bank account. In fact, we have some special offers for students (must have an .edu email address to qualify).

Q: Can I sign up for an individual checking or savings account?

When you sign up for a SoFi online bank account, you will receive both a checking account and a savings account. Once you set up direct deposit, you can earn .50% APY on checking and 3.80% on savings (including Vaults)! We do not currently offer standalone checking or savings accounts.

Q: Any limits on savings account withdrawals per month or transfers between accounts?

No, there are no current limits on saving withdrawals or transfers between checking, savings and Vaults.

対象となる直接入金で、最大
3.80% APY ^{2 の} 金利でより有利な銀行取引を実現できます。

アカウントを開設する

簡単なオンライン登録をぜひお試しください。口座
手数料 ^{1
-
Go To Disclosures & Disclaimers for the interest rate
information after 84 months} や最低残高要件はかかりません。さらに、対象となる直接入金で 最大300ドルのボーナス ^† を獲得できます
。

アカウントを開設する

口座手数料はかかりません

口座手数料、当座貸越手数料、月額手数料 ^{1 は} 一切かかりません。まさに優れた銀行サービスです。
対象となる直接入金で 50 ドルまたは 300 ドルを獲得 ^†

口座を開設して、対象となる直接入金を設定するだけです。利用規約をご覧ください。
対象となる直接入金で最大3.80％のAPYを獲得 ²

対象となる口座振替で、全国平均の9倍の ^{3倍の貯蓄金利をご利用いただけます。詳しく} は利用規約をご覧ください。
最大300万ドルのFDIC追加保険に加入可能 ⁴

参加銀行のシームレスなネットワークを通じて預金にご利用いただけます。詳細はこちらをご覧ください ^。4

最大 300 ドルの銀行ボーナスを獲得する方法は次のとおりです。 ^†

サインアップして直接入金を設定します。

直接入金が口座に反映されるまでお待ちください (通常 2 ～ 4 週間)。

直接入金金額に応じて 50 ドルから 300 ドルまでの現金ボーナスを獲得できます。

より優れたオンライン
銀行口座とはどのようなものでしょうか? これがそれです。

アカウントを開設する

口座手数料無料 ¹

当座貸越手数料なし。最低残高手数料なし。月額手数料なし。さらに、Allpoint®ネットワーク内の55,000台以上のATMが手数料無料です ^。5

SoFi Plusで最大3.80% APY ²

直接入金を利用する会員は、SoFi Plus ^{8 の
- Go To Disclosures
& Disclaimers} ロックを解除して、貯蓄口座と Vaults 残高で 3.80% APY、当座預金残高で 0.50% APY を獲得できます。

Up to 2-day-early-paycheck⁶

Feel the magic of payday up to two days earlier—automatically—when you set up direct deposit.

No-fee Overdraft Coverage

Overspent by accident? No problem. You'll be covered up to $50 with no fees with eligible direct deposit of at least $1,000.⁷

Do it all in one app.

Pay bills, deposit checks, send money, manage your digital wallet, and get live customer support 7 days a week, all in the SoFi app.

Additional FDIC Insurance

Access additional insurance up to $3M on deposits through a seamless network of participating banks. Learn more and opt in here.⁴

Sign up

Get award-winning banking.

See for yourself why SoFi won 10 banking awards from 9 industry publications last year.

Open an account

Awards or rankings are not indicative of future success or results. Neither SoFi Bank, N.A. nor its employees paid a fee in exchange for ratings. Awards and ratings are independently determined and awarded by their respective publications.

Savings rates that are way above the national average.³

You make more on your money when you bank with SoFi. Get ready to earn 3.80% APY²—that’s 9x³ the national average savings rate—on your savings and Vault balances.

Open an account

Mobile banking made easy.

Securely log in to our easy-to-use app and access popular online banking features: pay bills, find ATMs, send money, make a mobile deposit, and more. And rest easy with no minimum balance, and no monthly maintenance fee^{^

免責事項を見る -

- 開示事項と免責事項へ}.

Open an account

Mobile banking made easy.

Securely log in to our easy-to-use app and access popular online banking features: pay bills, find ATMs, send money, make a mobile deposit, and more. And rest easy with no minimum balance, and no monthly maintenance fee¹.

Open an account

Experience 9x
the national average
checking account rate.²

Yeah, you read that right. With no account fees and up to 3.80% APY^{1^}, you'll earn more interest in five weeks than you would in one year in a big bank’s checking or savings account—so you can get the most out of your money.

Say yes to no account fees.

It’s exactly what it sounds like. No overdraft fees. No minimum balance fees. No monthly fees. Plus, 55,000+ fee-free ATMs within the Allpoint® Network.³

Early bird paychecks.

With 2-day-early-paycheck^* you’ll feel the magic of payday up to two days earlier—automatically—when you set up direct deposit.

What else can a better online bank account offer? This.

No-fee Overdraft Coverage

Overspent by accident? No problem. You’ll be covered up to $50 with no fees with qualifying direct deposits.⁴

Cash back, close to home⁵

Get up to 15% cash back at local establishments when you pay with your SoFi debit card.

Automatic saving features

Organize your money, set savings goals, and save your change with Vaults and Roundups.

Mobile banking made easy.

Securely log in to our easy-to-use app to pay bills, find ATMs, send money, make a mobile deposit, and more. And rest easy with no minimum balance, and no monthly maintenance fee^{^ View
Disclaimer - - Go To Disclosures &
Disclaimers}.

Open an account

Mobile banking made easy.

Securely log in to our easy-to-use app to pay bills, find ATMs, send money, make a mobile deposit, and more. And rest easy with no minimum balance, and no monthly maintenance fee^{^ View
Disclaimer - - Go To Disclosures &
Disclaimers}.

Open an account

FAQs

Q: What is an online bank account?-

An online bank account conveniently allows you to manage your accounts from your computer or mobile device. This includes sending money, depositing checks, paying bills, and everything you’d normally do at a physical branch. Because SoFi does not have any physical branches, we’re able to pass those savings to our members!

Q: How easy is it to open a bank account online?+

Q: Can a student open an account?+

Q: How do I set up direct deposit?+

Nine in 10 SoFi members agree—setting up direct deposit is easy. Simply download this , sign it, and submit it to your employer’s payroll department. Simple as that! Alternatively, if your employer has an HR portal that allows you to set up direct deposit by inputting your account number and routing number, you can get those Learn more:

Q: What will my APY be?+

As long as you direct deposit your pay or add $5,000 every 30 days, you’ll earn 3.80% APY on your savings & Vaults balances and 0.50% APY on your checking balances. If you do not have a direct deposit or $5,000 in deposits every 30 days, you’ll earn 1.00% APY on savings & Vaults balances and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. Additional information can be found at .

Q: Why do I need to sign up for direct deposit?+

Q: Are online bank accounts safe?+

All SoFi Checking and Savings accounts receive industry-standard FDIC insurance of up to $250,000 per member (joint accounts are insured up to $500,000). SoFi Checking and Savings members can earn up to $3M of FDIC insurance by enrolling in the SoFi Insured Deposit Program . For more information on FDIC insurance coverage, please visit .

Q: How do I withdraw and deposit cash?+

SoFi makes it easy to both withdraw and deposit money. To withdraw, simply visit any of the 55,000 Allpoint ATMs (more locations than Chase, Wells Fargo, and Bank of America combined!). You won’t pay any fee as long as you visit one of these ATMs. In order to deposit money, simply visit a retail location that offers services.

Q: Do I need a minimum balance to open an account or get the highest interest rate?+

There is no minimum balance required to open a SoFi Checking & Savings account. Members can unlock 3.80% APY savings balances with either direct deposit (no minimum required) or by depositing at least $5,000 every 30 days. For more information, please visit . Learn more:

Q: Is there a minimum age?+

Q: Can I sign up for an individual checking or savings account?+

Q: If I keep my entire balance in savings, will funds automatically move to checking as needed to pay bills?+

Yes. As long as you have Overdraft Protection enabled, we’ll automatically pull from your available savings balances in the event that your checking balance is insufficient. Overdraft protection covers ACH withdrawals (bill pay, loans, P2P), checks and debit card transactions. Note that overdraft protection will not pull from your Vaults. To turn on Overdraft Protection, open the SoFi app, tap More > Overdraft and toggle the feature on.

Q: Any limits on savings account withdrawals per month or transfers between accounts?+

Q: To unlock the highest APY, does it matter where I direct deposit my funds (checking vs savings?)+

Nope, it doesn’t matter. To unlock the highest the highest APY, you may either:-Get paid via direct deposit (into either your checking or savings). Eligible direct deposits are the electronic deposits of your paycheck, pension or government payments (e.g., Social Security) from your employer, benefits provider, or the government. -Add $5,000 or more to your checking or savings account every 30 days.

Q: Is there a maximum or ‘cap’ on the 3.80% APY?+

Q: What about fees?+

We’re proud to say that banking with SoFi has no account fees and no service charges—and we’re working hard to keep it that way.^ There are no fees on overdraft, account open, minimum balance, dormant account or regular maintenance. We also offer no ATM fees at 55,000+ Allpoint ATMs worldwide. Check out a full list of fees and service charges: .

More banking tips and resources
just clicks away.

Money Management Guide: How to Manage Your Money Better in 2025

APY vs Interest Rate

50/30/20 Budget Calculator

Money Management Guide: How to Manage Your Money Better in 2025

See more articles

Get up to 3.80% APY today³—
tomorrow will thank you.

Get the best of both worlds with an online checking account and an online savings account that work better together.
Simply download the SoFi app, become a member, and sign up today.

Open an account

SoFi > Banking

Total Direct Deposit Amount Received During Direct Deposit Bonus Period	Cash Bonus Tier
$1.00 - $999.99	$0
$1,000.00 - $4,999.99	$50
$5,000.00 or more	$300

SoFiの当座預金と普通預金

対象となる直接入金で、最大
3.80% APY ^{2 の} 金利でより有利な銀行取引を実現できます。

口座手数料はかかりません

対象となる直接入金で 50 ドルまたは 300 ドルを獲得 ^†

対象となる直接入金で最大3.80％のAPYを獲得 ²

最大300万ドルのFDIC追加保険に加入可能 ⁴

SoFi Checking and Savings

Better banking is here. Up to 3.80% APY¹
and FDIC insurance up to $3M.

Pay no account fees

Earn up to $300 with direct deposit

Earn up to 3.80% APY¹

Access additional FDIC insurance up to $3M⁶

最大 300 ドルの銀行ボーナスを獲得する方法は次のとおりです。 ^†

より優れたオンライン
銀行口座とはどのようなものでしょうか? これがそれです。

口座手数料無料 ¹

SoFi Plusで最大3.80% APY ²

Up to 2-day-early-paycheck⁶

No-fee Overdraft Coverage

Do it all in one app.

Additional FDIC Insurance

Get award-winning banking.

Savings rates that are way above the national average.³

Mobile banking made easy.

Mobile banking made easy.

Experience 9x
the national average
checking account rate.²

Say yes to no account fees.

Early bird paychecks.

What else can a better online bank account offer? This.

No-fee Overdraft Coverage

Cash back, close to home⁵

Automatic saving features

Mobile banking made easy.

Mobile banking made easy.

FAQs

More banking tips and resources
just clicks away.

Get up to 3.80% APY today³—
tomorrow will thank you.

口座手数料はかかりません

対象となる直接入金で 50 ドルまたは 300 ドルを獲得 † View Terms - Direct Deposit Promotion

対象となる直接入金で最大3.80％のAPYを獲得 2 View Terms And Conditions - 対象となる直接入金で最大3.80％のAPYを獲得

最大300万ドルのFDIC追加保険に加入可能 4 View Terms And Conditions - 最大300万ドルのFDIC追加保険に加入可能

最大 300 ドルの銀行ボーナス を獲得する方法は次のとおりです。 † View Terms - Direct Deposit Promotion View Terms - Direct Deposit Promotion

より優れたオンライン 銀行口座 とはどの ようなものでしょうか? これがそれです。

Get award-winning banking.

Savings rates that are way above the national average.3

Experience 9x the national average checking account rate.2 利用規約を表示 - 全国平均当座預金口座金利の 9 倍を体験してください。

Say yes to no account fees.

Early bird paychecks.

What else can a better online bank account offer? This.

No-fee Overdraft Coverage

Cash back, close to home5 View Terms And Conditions - Cash back, close to home

Automatic saving features

FAQs

More banking tips and resources just clicks away.

Get up to 3.80% APY today3— tomorrow will thank you.

対象となる直接入金で 50 ドルまたは 300 ドルを獲得 ^†

対象となる直接入金で最大3.80％のAPYを獲得 ²

最大300万ドルのFDIC追加保険に加入可能 ⁴

最大 300 ドルの銀行ボーナスを獲得する方法は次のとおりです。 ^†

より優れたオンライン
銀行口座とはどのようなものでしょうか? これがそれです。

Savings rates that are way above the national average.³

Experience 9x
the national average
checking account rate.²

Cash back, close to home⁵

More banking tips and resources
just clicks away.

Get up to 3.80% APY today³—
tomorrow will thank you.