EverBank Review [2026 ]: Good for Banking in Florida or California

EverBank overview

Best for	Customers in Florida and California who have a minimum of $5,000-$10,000 to deposit
Bank accounts	Performance Checking Performance Money Market
Unique banking features/perks	Interest-bearing checking account ATM-fee reimbursement Personal identity theft coverage
Number of branches	43
Number of ATMs	80,000+
FDIC insurance	EverBank is a member FDIC (Cert. #34775)
Customer ratings	Mobile apps: 4.7 (iOS); 4.6 (Google Play) Trustpilot: 1.7 BBB: A+
Year founded	1998

Is EverBank good for you?

I live in Florida — one of just three states where EverBank has local branches. However, the nearest location is around 90 minutes away. And herein lies the biggest problem: This bank has branches only in Florida, California, and one location in New York — and even in Florida and California, options are limited.

This might not be a huge problem, though — especially since EverBank has a top-rated mobile app and charges $0 for mobile deposits alongside ATM fee reimbursement when using out-of-network ATMs (up to $15 per month).

But it can become an issue for some because EverBank limits how you can open accounts. If you want a money market account, you must visit a local financial center. You can't open one online or via phone. And if you want a savings account, those are exclusively available by phone or online.

Personally, I find these rules confusing. I'm also not a fan of banks that require a $100 deposit to open a checking account, banks that earn different APYs for different account balances (which EverBank does), or banks that limit features to account holders with high balances (like unlimited ATM reimbursement, but that's only for those with a daily balance of at least $5,000).

Now, EverBank does have some things going for it, including $0 maintenance fees, identity theft coverage, an ATM network that's 80,000+ strong, and a checking account offering a 0.25% (as of 2/20/2026) APY (when most checking accounts don't earn interest).

Since those are pretty good perks, if you live near one of its locations, have at least $5,000 to $10,000 to deposit, and are eager to earn interest on your checking account, EverBank may be right for you.

When EverBank might not be good for you

EverBank is not good for you if you want to open a money market account and don't want to travel to one of just 43 branch locations to do it in person.

If you have less than $100 to open your checking account or want a bank that offers mortgages and personal loans, you'll need to look elsewhere.

If you use out-of-network ATMs so much that your fees exceed the $15 per month EverBank reimburses, then you also don't want this account unless you can maintain a $5,000 minimum daily balance to earn unlimited refunds.

Stopping payments also comes at a cost with EverBank, while some competitors like Wells Fargo allow you to stop payments without a fee. Since you usually only stop payments when something goes wrong, it's a bummer to have to pay EverBank $25 in these situations — and you may decide you just don't want to take that chance.

EverBank banking account types and rates

5.0

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AWARD WINNER Best Online Checking

SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit

Limited-Time Offer: Earn a $50 or $300 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.30% APY¹ <p>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 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% 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 3.30% 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 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at&nbsp;<a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for up to 6 Months on new accounts. Terms Apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/2026. Rates variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.³ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, Arial, sans-serif;">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.&nbsp;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&nbsp;<a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>

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4.8

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

Bank of America Advantage Banking

Up to $500 cash offer. Click ‘Learn More' for more details. Bank of America, N.A. Member FDIC.

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4.3

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

Enjoy $400 as a new Chase checking customer

When you open a new Chase Total Checking® account with qualifying activities.⁴ <p>Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $1,000 or more made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.</p> FDIC Insured. Offer valid through 4/15/2026.

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EverBank checking

EverBank is better than my bank (Ally) in three ways. In fact, these three features set EverBank apart from many competing banks.

• EverBank pays a higher APY for checking than most checking accounts: Some accounts pay no interest at all. Others, like Ally, pay interest at a lower rate. EverBank offers 0.25% (as of 2/20/2026) APY on checking accounts regardless of balance, while Ally offers only 0.10% (as of 03/03/26) APY⁵ <p class="">The APY of 3.20% (as of 02/17/26) is accurate as of 10/01/25. Rates are subject to change and may vary by account type and financial institution.&nbsp;</p> for customers with less than $15,000.
• EverBank has a huge ATM Network: There are 80,000+ in network ATMs. Ally only has 75,000+, and many banks have even less. Of course, you may not care about this if you rarely handle cash in an increasingly digital-only world.
• EverBank reimburses more ATM fees: EverBank reimburses up to $15 per month in foreign ATM fees or an unlimited amount if you have $5,000 or more in your average daily balance. Ally reimburses $10, and some banks reimburse none.

EverBank also has no monthly maintenance fees, beating out competitors like Bank of America and Wells Fargo that charge for checking accounts unless you fall within certain criteria.

Unfortunately, EverBank's checking account requires a $100 minimum deposit, accessing local branches is difficult or impossible in most parts of the country, and you have no real way to deposit cash unless you can make it to the local branch (although, to be fair, this isn't an uncommon issue for online banks).

EverBank reviews from customers also aren't very good on sites like TrustPilot, although mobile-app reviews are top-notch, making EverBank a better choice for digital-first consumers.

Other checking accounts we recommend

Capital One's 360 Checking is an alternative to EverBank. It offers features EverBank doesn't, including early direct deposit, largely fee-free banking (including no fee for stopped payments), and no minimum deposit requirements. A 360 checking account only earns 0.10% (as of 09/15/25) APY, but you do enjoy perks like the ability to deposit cash fee-free at participating stores. You can learn more in our Capital One 360 review.

SoFi Checking and Savings is another alternative, which offers a higher APY than EverBank on checking (up to 0.50% APY on checking with direct deposit requirements met⁶ <p>Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at&nbsp;<a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a></p> ⁷ <p>Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.</p><p>Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them. </p><p>Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.</p><p>See additional details at https://www.sofi.com/legal/banking-rate-sheet.</p> ). There are no monthly fees⁸ <p>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 <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p> , no overdraft fees⁹ <p>Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at <a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a>. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.</p> , and no minimum balance requirements with SoFi®. And as a huge bonus, you could take advantage of member benefits like stadium perks, estate planning support, and discounts on other financial products.

SoFi member FDIC.³ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, Arial, sans-serif;">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.&nbsp;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&nbsp;<a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>

EverBank savings

EverBank Performance Savings offers a competitive APY of 3.90% (as of 02/20/26), which is the APY on all balances for new accounts. This beats competitors like Ally and Capital One as of February 2026.

There's no minimum deposit requirement or monthly maintenance fees on EverBank's savings account either, unlike Bank of America, which charges a maintenance fee of $8.00 per month unless you qualify for a waiver.

Unfortunately, EverBank does restrict you to opening this account online or via phone, so you can't get in-person assistance in account opening, even if you do happen to live in one of the three states where EverBank branches can be found.

Other savings accounts we recommend

Varo Bank is a great alternative to EverBank if you want a higher APY. While the standard APY on all Varo savings account balances is 2.50% (as of 02/23/26), you can earn as much as a 5.00% (as of 02/23/26) APY on your first $5,000 if you have $1,000 in monthly direct deposits and keep a positive account balance.

Varo also offers cool savings tools like Save Your Change, which rounds up transactions and puts the extra in savings. And there are no monthly fees or minimum balance requirements to worry about.

SoFi and Ally also both offer competitive savings account rates with no monthly fees, with SoFi's up to 4.00% APY (with a 0.70% APY boost) APY (for up to six months if you enroll by March 30, 2026)² <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/2026. Rates variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> ¹⁰ <p>SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Between 12/9/25–3/30/26, members with Eligible Direct Deposit or Qualifying Deposits will receive complimentary access to SoFi Plus. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.</p> coming in a little higher than Ally's 3.20% (as of 02/17/26) or EverBank's 3.90% (as of 02/20/26). SoFi's rate is promotional with specific requirements to meet, though, and it returns to an up to 3.30% APY⁶ <p>Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at&nbsp;<a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a></p> with direct deposit after six months. You can learn more in our SoFi review.

EverBank CD rates

Compare EverBank to top alternatives

Best for	Full-featured digital banking	Low-fee banking with tons of perks	Teen and child bank account options and in-person support
Bank accounts	Spending Savings Money Market CDs	SoFi Checking and Savings	360 Checking 360 Performance Savings 360 CDs Kids Savings Money Teen Checking
Savings APYs	3.20% (as of 02/17/26) APY	Up to 4.00% APY (with a 0.70% APY boost) APY for up to six months if you enroll by March 30, 2026	3.30% APY
Unique checking features/perks	Cash deposits at Walmart Early direct deposit Buckets to help with budgeting	Member benefits including discounts on other financial products No monthly fees Early direct deposit11 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>	Cash deposits at CVS, Walgreens, and branches Specialized accounts for kids and teens In-person branches
Number of branches	None	None	60+ Capital One Cafes 260+ branches
Number of ATMs	75,000+	55,000+12 <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>	70,000+
Customer ratings	Mobile apps: 4.7 (iOS); 4.4 (Google Play) Trustpilot: 1.1 BBB: A+	Mobile apps: 4.7 (iOS); 3.9 (Google Play) Trustpilot: 4.1 BBB: A+	Mobile app: 4.9 (iOS); 4.5 (Google Play) Trustpilot: 1.2 BBB: A+
	Check out our full Ally Bank review	Check out our full SoFi review	Check out our full Capital One review

EverBank vs. Ally

Ally Bank matches EverBank's checking account APY for customers with $15,000 or more in deposits, but its savings APY is lower. Ally also offers some features EverBank doesn't, including the ability to deposit cash at Walmart, the option to open all accounts online, and unique CD offers like Raise Your Rate CDs and CDs offering penalty-free withdrawals. And customer service is 24/7 at Ally, unlike EverBank's more limited hours.

EverBank has local branches, though, as well as a larger ATM network — and it reimburses up to $15 per month in out-of-network ATM fees (or unlimited with a $5,000 balance) compared with Ally's up to $10. If you live near EverBank locations and want more in-person support or you're hoping to maximize your APY and have less than $15K in savings, EverBank is the better bet.

That said, I'm sticking with Ally because their customer service has been great, I like my early direct deposit, and I do need to be able to put cash in the bank on occasion.

EverBank vs. SoFi

SoFi's promotional rate beats EverBank for the first six months — if you can meet the qualifying direct deposit requirements.

SoFi also offers many more financial services, including a full suite of products like mortgages and personal loans. The online bank shines in terms of member benefits, but it doesn't offer any in-person branches, and its ATM network is much smaller than EverBank's. It gets much better customer ratings, though.

EverBank can't match SoFi's checking account APY either, so it's really the better choice only if you want an in-person banking location and happen to have one near you in Florida or California — or if you can't meet SoFi's direct deposit requirements to qualify for the best APYs.

SoFi also doesn't offer CDs or a money market account, so EverBank is a better choice for those products.

EverBank vs. Capital One

Capital One offers many more in-person locations than EverBank, although Capital One's partner ATM network is much smaller and Capital One does not reimburse ATM fees, while EverBank does. Capital One does offer options for cash deposits, though, so if that's important to you, you'd want to choose Capital One over EverBank.

On the other hand, EverBank's APY on savings accounts and checking accounts is higher than Capital One's, making EverBank a better option for maximizing your ROI.

Capital One does offer multiple specialized accounts for kids and teens, which EverBank doesn't, so if you want to teach your kids about money, Capital One is the way to go.

Customer experience and user sentiment

EverBank gets an A+ rating with the Better Business Bureau. However, it is not accredited, and it received poor reviews on both the BBB site and Trustpilot. Many web users cited similar issues, including difficulty opening an account, unexpected rate drops, and limited customer service with rude support staff.

Reviews and complaints

EverBank got just 1.6 stars out of a possible five, according to almost 80 reviews on TrustPilot. Common issues arose both in BBB reviews and Trustpilot reviews.

For example, this TrustPilot review from Gary R. in February of 2025 highlights the challenges many customers have with account opening.

"Filled out an online application for a savings account and was told it is under review. Five days later, I have heard nothing. Something is very sinister and unprofessional about this bank since my credit rating is in the 800s, and I have opened up other accounts with no hitch."

Other customers complained of terms being changed without warning, including LR, who said:

"I don't appreciate the external transfer limits being changed without notification. When I called the first time, the customer service was not very professional or apologetic for the inconvenience."

Customer support

EverBank offers a very small number of branches in Florida and California and only one in New York. So if you need help, getting in-person assistance might not be an option. Personal banking customers can call 1.888.882.3837 on Monday to Friday from 8 a.m. to 10 p.m. (ET) and Saturday from 9 a.m. to 7 p.m. (ET). These hours are more limited than some banks (like Ally) offer for phone support.

Mobile banking app

Mobile banking is most important to me because I generally don't want to leave my house to deposit my payments or to make changes to my account. I don't think I'm alone in that. Fortunately, EverBank customers can stay glued to their screens as the mobile app received good reviews — 4.7 out of five stars in the iOS app store and 4.6 on Google Play as of this writing.

The app allows for easy external and internal transfers and provides a convenient summary of your financial information all in one place. One user called the app a "breath of fresh air" because it is simple to use and the interface looks visually appealing.

EverBank fees

Like many banks that operate primarily online, EverBank doesn't charge many fees. It does charge a stop payment fee, which several other competitors don't. However, you'll only get hit with it if you request to cancel a check you've written or an ACH transfer you made.

There is also a fee for wire transfers, but this is pretty common among financial service providers.

FAQs

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5.0

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

AWARD WINNER Best Online Checking

High APY of up to 4.00% on Savings (3.30% APY¹ <p>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 12/31/2026. Full terms at <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% 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 3.30% 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 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at&nbsp;<a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for up to 6 Months on new accounts. Terms Apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/2026. Rates variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>

Paycheck access up to 2 days early with direct deposit¹¹ <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>

No monthly maintenance or overdraft fees⁸ <p>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 <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>

Streamlined savings and savings goals with Vaults

Access to a large ATM network¹² <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>