{"account":{"slug":"sofi-checking-and-savings","bank":"SoFi","name":"Checking and Savings"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.sofi.com/banking/","history":[{"date":"2026-06-11","apy":"Up to 3.80% savings with direct deposit (3.10% base + 0.70% promo boost); 4.50% on first $20k with SoFi Plus; ~0.50% checking","monthlyFee":"$0","minimumOpen":"None","atm":"55,000+ fee-free Allpoint ATMs; no rebates for out-of-network operator fees","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"3.30% savings with direct deposit or $5,000 in qualifying deposits; new members can add a 0.90% boost to 4.20% for up to six months; 4.50% on the first $20k with SoFi Plus; 0.50% checking; 0.80% savings otherwise","monthlyFee":"$0","minimumOpen":"None","atm":"55,000+ fee-free Allpoint ATMs; no rebates for out-of-network operator fees","note":"Rate sheet effective 9/23/2026: savings 3.30% with direct deposit, 0.80% without, 0.50% checking, SoFi Plus 4.50% to $20k then 3.30%; new-member boost now 0.90% to 4.20% for accounts opened 9/3-12/31/2026; still no account fees; $3M FDIC via Insured Deposit Program","sourceUrl":"https://www.sofi.com/banking/","sourceLabel":"SoFi Checking and Savings page and rate sheet (9/23/2026)"},{"date":"2026-10-23","apy":"3.30% savings with eligible direct deposit or $5,000 qualifying deposits every 31 days; 0.80% otherwise without Plus; 0.50% checking. Eligible new accounts: 4.40% for up to six months. Plus: 4.70% on eligible tier balances, then 3.30%; joint-account rules apply","monthlyFee":"$0","minimumOpen":"None","atm":"55,000+ fee-free Allpoint ATMs; no rebates for out-of-network operator fees","note":"Scoped October 20 rate-sheet and current promotion check: Plus now 4.70%, new-account boost 1.10 points to 4.40%, new opening window ends December 31, 2027. Qualified one-time bonus, subscription arithmetic, transaction fees and overdraft coverage. Previous history and full-record check date retained.","sourceUrl":"https://www.sofi.com/legal/banking-rate-sheet/","sourceLabel":"Official bank rate, fee and product disclosures"}],"verificationEvents":[{"id":"8212fc82-511f-4522-9104-5fa6e65ef292","entityType":"bank-account","slug":"sofi-checking-and-savings","checkedAt":"2026-10-23T09:14:32.221Z","recordedAt":"2026-10-23T09:14:32.222Z","sourceUrl":"https://www.sofi.com/legal/banking-rate-sheet/","sourceLabel":"SoFi October 20 rate sheet, fees and current promotion terms","outcome":"changed","summary":"Scoped rate, promo, Plus and fee corrections; full-record date and older history retained.","changedFields":["tagline","apy","plans","features","pros","cons","ourTake","bestFor","termHistory"],"previousHash":"08e58a0bf462b9139e31c152238e41719fb3b74150c6930f39f4bc806b64cd16","recordHash":"a052291db144179cd8a7101a2e97172d9f90a75444f428c7ed619545d120787d"},{"id":"037264b9-7caf-4b01-8a7b-cc9e9044fa22","entityType":"bank-account","slug":"sofi-checking-and-savings","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:19.030Z","sourceUrl":"https://www.sofi.com/banking/","sourceLabel":"SoFi Checking and Savings page and rate sheet (9/23/2026)","outcome":"changed","summary":"Savings now 3.30% with direct deposit (0.80% without, 0.50% checking), new-member boost 0.90% to 4.20%, SoFi Plus 4.50% to $20k then 3.30% at $10/month","changedFields":["apy","plans","ourTake"],"facts":{"savingsDD":"3.30%","savingsNoDD":"0.80%","checking":"0.50%","boost":"0.90% to 4.20%, open 9/3-12/31/2026","plus":"4.50% to $20k, $10/month"},"previousHash":"bec2673bd3d243b2a036543233f0e10d14051e6e5d595a9ebb1174cbe2a65dde","recordHash":"06ebdcde5e6a6edb5f6c83d91a5eb6327ec1be16d756b2e902298229f1f60e22"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}