SoFi Checking and Savings
All-in-one checking + savings with a top sign-up bonus
4.9
Editor rating · out of 5
Best for: Best overall bonus + yield combo
SoFi packs the best parts of a high-yield savings account, a fee-free checking account, and a real cash sign-up bonus into one app.
Pros and cons
Pros
- +No monthly fees, no overdraft fees
- +High APY on savings tier
- +Up to $300 welcome bonus
- +Get paid up to 2 days early
Cons
- −Top APY requires direct deposit
- −No physical branches
See how it compares
Read our full ranking and compare SoFi Checking and Savings side-by-side with alternatives.
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