BankingUS

SoFi

Prepared by the BankingUS Editorial Team. Last reviewed October 25, 2026. How we review

Financial technology company with a bank charter

Overview

SoFi is a US financial institution. SoFi Technologies, Inc. is a financial technology company. Its deposit accounts are offered through SoFi Bank, N.A., a national bank. Not every SoFi product (for example investing) is a bank deposit.

Main services

Checking and savings, personal loans, student loan refinancing, home loans, investing. Product availability varies by location and over time.

Deposit insurance and regulation

Deposits held at FDIC-insured banks are generally protected up to $250,000 per depositor, per insured bank, per ownership category. Investment and insurance products are generally not FDIC-insured. Confirm this institution's current status with FDIC BankFind and see the OCC for national banks.

Rates, fees, and eligibility

We do not list rates or fees because they change often. Use the official website below to find current account terms, fee schedules, application pages, online banking details and customer support options.

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