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Story summary
- SoFi Bank offers a combined Checking and Savings account with up to 4.30% APY on savings and no maintenance fees.
- SoFi Bank provides FDIC insurance up to $3 million through the SoFi Insured Deposit Program.
- SoFi Bank allows customers to qualify for no-fee overdraft coverage with direct deposits of at least $1,000 within 31 days.
- Outgoing wire transfers incur transaction fees.
- Direct-deposit funds may arrive up to two days early.
