Bank with ease—
not monthly fees.
A SoFi Checking and Savings account makes banking simpler. No monthly account fees, no minimum balance fees, and no overdraft fees.1
Big banks charge big account fees.2 SoFi charges $0 account fees.
With SoFi Checking and Savings, you’ll pay no monthly account fees, no minimum balances fees, and no overdraft fees.1 Plus, you can access 55,000+ fee-free ATMs within the Allpoint® network.3
2Competitive bank fees are current as of 02/04/2025.
We believe in fee transparency.1
Here’s what you can expect from your SoFi Checking and Savings account. To see the full list of fees (the rest of which are $0) - click here
| Account Fees | |
|---|---|
| Monthly account fee | $0 |
| Monthly balance fee | $0 |
| Transaction Fees | |
| Allpoint ATM transaction fee | $0 |
| Non-Allpoint ATM transaction fee | SoFi does not charge a fee, but the network operator may impose a fee per transaction. |
| Cash deposits | SoFi does not charge a fee, but our partners may charge up to $4.95 per deposit. |
| Outbound wire transfer fee | $30 |
