SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Right, but it's not FDIC insured?
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
No, not FDIC as is the case with all mutual funds. They are insured by SIPC. That said, no one has every lost money because of the failure of a money market fund. That's called "busting the buck"...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
They auto-sweep the money in and out as needed/not needed. Unlike Schwab, who used to do this with their Schwab 1 account but stopped so they could boost their profits (they've made many millions...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
If you fully qualified for the referral or any other offer, file with the CFPB. While you still can
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Once I get my bonus, How hard is it to transfer money out of Sofi? Can I do an ACH PULL *from* my other bank?
thanks
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
I opened a Sofi bank account a year ago but never did a DD. Does that mean I can still do this $300 deal?
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Yeah, I got that email yesterday. At least they let us know. Ally and Capital One are still at 3.80%, which of course the email didn't mention. :lol:
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Yeah... I do generally like their app and them as a bank, but this drop was enough for me to take 90% of my money out and to Fidelity.
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
The credit doc shows this as a low rate.
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Man, I missed 5k by $12
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
I was not able to find out.
However, I have like another month before it's been 6 months since I got my bonus, so will just wait it out until then to be safe.
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
You should Google "doctor of credit sofi bonus" to find the long thread with comments and this specific information
That site has loads of DPs
Including the answer to your question. Which is...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
SoFi is awful. I had them for investments. They charged me a $20 "inactivity fee" - but I had plenty invested with them.
Their UI was also terrible. I use Mac and PCs for video editing and can...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
My first payroll did not hit because I enrolled just 3 days prior to my pay roll day. Now I have no way to get 5k in to account from next two of next pay rolls within 30 days . I am left with 50...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Can this be combined with Cash back Site?
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
i was thinking if its worth it to lock in a 2 or 3 year 4% CD on schwab, but if etfs like SPY are giving 10%+ returns annually better to go with an etf?
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Chase offers $300 with only $500 Direct Deposits in 90 days.
5/3rd Offers $600 with $3K Direct Deposits in 90 days.
Bank Of America offers $300 with $2K in 90 days.
What these people do? $5K...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
i really want to try stocks. i made a robinhood account but never actually did anything with it.
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
It was 4.20% before, they are dropping %.
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
If you've got an emergency fund set, why not get into stocks? If you're young you should be building out stock portfolio for long haul
And if no Roth IRA, make one and stick it all in there
Buy...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
so i called chase about the 4month/4% and its limited to a daily $25k max to wire out. grrrrrrrrr
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Damn man, thanks for posting this. I hadn’t see this anywhere. And the literature literally says a “direct deposit”, so I deposited $10 bucks from my other bank lmao.
I have a work bonus direct...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
As long as someone keeps commenting on it! hahaha This might be the longest thread in history!
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Almost down 1% since I opened my account. I believe it was at 4.75% at the time.
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
I signed up. Got the $300 bonus. The rates are kind of low so I'm moving my money to my Schwab brokerage and investing it in the money market funds they have.
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
You'll likely find horror stories about every bank. I highly doubt SoFi is unique there. I've had SoFi as my primary banking app and now actual bank since 2019 and I've never even needed to call them...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
damn they keep dropping and dropping huh? so lazy to redo my direct deposits though.....
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Same, I just got my job four months ago and everything is already set with bills and DD. Idk man. Lets hope rates go back up soon hahaha
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Tried to search for "close", "closure", etc. in this thread but came back with zero results.
How long do you have to keep the accounts open, after getting the $300 bonus, to avoid clawback of the...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Paypal has a 4% savings account now but no signup bonu$
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Checking is 0.5% and Savings is 3.80% if you have DD enabled.
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
It is surprisingly easy to get around the direct deposit requirement. Each month you need to send $5000 into the SoFi account from an outside account. Then wait a few days until the account shows...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
I’m confused- will I get 3.8% if I get direct deposit from my employer into the checking account? Or does it apply to the savings account only? Read the terms, still not clear
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Can someone explain?
My understanding is, the bonus period (25 days) begins as soon the first direct deposit hits not the day I open account? Meaning as soon as first direct deposit hits I have 25...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
Can someone explain terms of getting $300 bonus?
My understanding is, the bonus period (25 days) begins as soon the first direct deposit hits not the day I open account?
Meaning as soon as my...
SoFi Checking & Savings: Earn Up to 3.80% APY + Up to $300 with Direct Deposit, terms apply
Thread created 12-07-2023 by EfficientGame645
+162 Score
498 Replies
571,054 Views
SoFi® is offering up to $300 with direct deposit, terms apply. Up to 4.60% -> now 4.50% -> now 4.30% -> now 4.20% -> now 4.00% -> now 3.80% (as of 1/23/2025) annual percentage yield (APY) on savings...
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