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SoFi Launches High-Yield Checking and Savings Account

3/17/2026

30 7 Full Breakdown

Summary

Story summary

SoFi offers a combined Checking and Savings Account with up to 4.30% APY on savings.
There are no maintenance fees, and the account is FDIC insured up to $3 million.
Overdraft coverage is available for eligible direct deposits.
Users can access more than 55,000 ATMs without fees.
Outgoing wire transfers incur transaction fees and early direct-deposit access may occur up to two days before the scheduled payment date.

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Story summary

SoFi offers a combined Checking and Savings Account with up to 4.30% APY on savings.
There are no maintenance fees, and the account is FDIC insured up to $3 million.
Overdraft coverage is available for eligible direct deposits.
Users can access more than 55,000 ATMs without fees.
Outgoing wire transfers incur transaction fees and early direct-deposit access may occur up to two days before the scheduled payment date.