オンライン当座預金口座

あなたにぴったりの当座預金口座。
手数料もかからず、手間もかかりません。

オンライン当座預金口座を開設する 1 口座手数料 無料 2 または最低残高 、0.50％APY 3を獲得 当座預金残高について。

アカウントを開設する

1 SoFi当座預金口座を開設すると、SoFi Bankは自動的にお客様のお名前でSoFi普通預金口座も開設します。 詳細は SoFi Bank預金口座契約書をご覧ください。

よりスマートな方法 管理するには
外出先で当座預金口座を利用できます。

オンラインバンキングとモバイルバンキングで、いつでも当座預金口座を管理できます。スマートツールを使えば、簡単に貯金、送金、そして安全にお預けいただけます。

セキュリティと制御

以下の機能で安全を確保:
✓ リアルタイムアラート
✓ 二要素認証
✓ カードコントロール
✓ 最大300万ドルのFDIC保険へのアクセス 6

すべてモバイル アプリから実行でき、銀行のセキュリティが強化されます。

銀行のセキュリティを探る
個人ローンのイラスト

セキュリティ、使いやすさ、日常の支払いの ために作られたデビット カードです。

当座預金口座を開設すると、SoFi デビット カードが 自動的に 無料で付与されます。

  • $0 fraud liability

    With the World Debit Mastercard, you're protected from unauthorized transactions online, in-store, by phone, and at ATMs.

  • Access 55,000+ fee-free ATMs

    Conveniently access cash from 55,000+ no-fee ATMs within the Allpoint® Network.8 Find an ATM near you.

  • Instant digital wallet

    Instantly start using your checking account by linking your debit card to your digital wallet so you can make secure purchases right away.

  • Contactless payments

    Just tap your chip debit card at checkout for a quick, encrypted transaction without swiping or inserting.

What sets us apart?
We're glad you asked.


Earn more with 0.50% APY3

Most checking accounts pay little to no interest - not here. Earn 7x the national checking rate9 with no balance tiers or requirements.

No-fee overdraft coverage

Overspent by accident? No problem. You'll be covered up to $50 with no overdraft fees with direct deposit of at least $1,000.10

FDIC-insured, plus more

Your deposits are protected up to $250,000 per member, with free access to up to $3M in FDIC coverage6 for even greater security.

Savings account integration.

Earn up to 3.80% APY3 with your integrated savings account. Plus, tools like Vaults and Roundups help you reach your savings goals faster.

Unlike big banks,11 SoFi checking charges no account fees.

With a SoFi checking account, enjoy zero monthly fees2, no minimum balance requirements, and no overdraft charges10. Plus, access over 55,000 fee-free ATMs in the Allpoint® network.8

11Competitive bank fees are current as of 02/04/2025.

$5,000
Enter the initial balance amount you want to compare interest for.
SoFi
$76 interest earned$76 interest earned
Based on 0.50% APY.
Ally
Based on 0.10% APY.
$15 interest earned$15 interest earned
Bank of America
Based on 0.01% APY.
$2 interest earned$2 interest earned
Chase
Based on 0.01% APY.
$2 interest earned$2 interest earned
Wells Fargo
Based on 0.01% APY.
$2 interest earned$2 interest earned

*Interest earned is calculated over 3-years using a monthly compound rate. Actual interest credited by your financial institution may vary based on institution-specific calculation methodology. Rates may vary by state and do not account for bonus, special or promotional APYs. Traditional bank rates are in comparison to Chase and Bank of America and current as of January 22, 2025. National Average is based on the FDIC monthly savings account rate as of December 16, 2024.

Earn 7x the national average checking rate.9

Unlock the full potential of your checking account with 0.50% APY3 - no balance tiers, no qualifying requirements, just a great rate. Unlike other banks, you earn more without jumping through hoops. Use this calculator to see how our rate compares to other checking accounts.

Open an account

Apply for a checking account online:1

Opening a checking account1 is quick, secure, and hassle-free. Get started in minutes.

  1. Apply online

    Provide basic information and complete a quick, secure application in minutes.

  2. Fund your account

    Add money to your account to
    start earning 0.50% APY.3

  3. Start banking

    Access your checking account right away with our mobile app and digital wallet.

Open an account

Get up to a $300 cash bonus with direct deposit.5

Earn a $50 or $300 cash bonus with direct deposit5 and unlock getting paid up to two days early. See terms.

Open an account

Checking that fits your life.

No matter where you are in life, our checking account is designed to work for you.

  • Joint bank accounts

    Managing money together has never been easier.
    Our joint bank account offers shared access, real-time transaction tracking, and easy bill payments.

    Explore joint accounts

  • Student banking offer

    Banking that fits your college life. With no monthly fees, mobile banking, and a $30 cash bonus,12 you can manage your money confidently while staying focused on what matters most.

    View student offer

FAQs

To open a checking account with SoFi, you'll need the following:

• Personal info: Name, date of birth, Social Security Number (SSN) or Individual Identification Number (ITIN), primary home address, email address, and phone number
• Age requirement: At least 18 years old
• Minimum deposit: $0


In some cases, you may need to provide a government-issued ID (driver's license, state ID, passport).

More resources about checking accounts

The Difference Between a Checking and Savings Account

What to Do If You Lose Your Debit Card

How To Switch Banks in 6 Easy Steps

It’s time to bank smarter.
Open a checking account online today.1

Open an account

SoFi > Banking > Online Checking Account