{"account":{"slug":"sofi-checking-and-savings","bank":"SoFi","name":"Checking and Savings"},"status":"due","lastVerified":"2026-06-11","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 without event-level evidence"}],"verificationEvents":[],"methodology":"https://creditcompound.com/how-we-rate#verification"}