• Monthly fee: $25; waived if you meet any of the following conditions: $5,000 combined average monthly balance in Spend and/or Reserve accounts; $25,000 combined average monthly balance across linked PNC consumer deposit/investment accounts; $5,000 in qualifying monthly direct deposits to your Spend account during the statement period; account holder is a PNC employee
• Out-of-network ATM fee: No fee; up to $10 reimbursement of ATM surcharge fees from other financial institutions
• Overdraft fee: $36 per item; limited to one per day

• Monthly fee: $0
• Out-of-network ATM fee: A fee will apply when using non-Allpoint ATMs.
• Overdraft fee: $0

New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at //www.sofi.com/legal/banking-rate-sheet. 

SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at //www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at //www.sofi.com/terms-of-use/#plus.

Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with Eligible Direct Deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage.

We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at sofi.com/legal/banking-fees/.

Additional FDIC Insurance (must be bolded) SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

• Monthly fee: $15; waived if you meet any of the following conditions: $2,000 combined average monthly balance in Spend and/or Reserve accounts; $10,000 combined average monthly balance across linked PNC consumer deposit accounts; $2,000 in qualifying monthly direct deposits to your Spend account during the statement period ($1,000 for WorkPlace and Military Banking customers); account holder is a PNC employee
• Out-of-network ATM fee: $3 per transaction at non-PNC ATMs, not including third-party ATM fees; $5.00 for international ATM transactions; up to $5 reimbursement of ATM surcharge fees from other financial institutions
• Overdraft fee: $36 per item; limited to one per day

• Monthly fee: $7; waived if you meet any of the following conditions: $500 combined average monthly balance in Spend and/or Reserve accounts; $500 in qualifying monthly direct deposits to your Spend account during the statement period; account holder is 62 or older; account holder is a PNC employee
• Out-of-network ATM fee: $3 per transaction at non-PNC ATMs, not including third-party ATM fees; $5.00 for international ATM transactions
• Overdraft fee: $36 per item; limited to one per day