SoFi Checking and Savings
A digital-first bank offering a combined checking and savings product with one of the highest APYs in the market for direct-deposit customers.
APY
4.00%
with direct deposit
LiveEditor rating
4.7 / 5
Seguro
FDIC
Cert #59458
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APY history
1 snapshot| Date | APY | Change |
|---|---|---|
| 2026-04-06 | 4.00% | — |
Veredicto del editor
SoFi remains one of our highest-rated picks for everyday savers in April 2026. The headline APY is gated behind a recurring direct deposit requirement, but for anyone who can route their paycheck through SoFi, it is one of the best risk-adjusted yields available from a fully insured U.S. institution. The bundled checking-and-savings product means you get a high APY without needing to maintain a separate account elsewhere.
By HYSA Compare Editorial Team · APY verificado el 2026-04-06T22:53:50.576Z
Pros
- + No fees of any kind
- + No minimum balance to earn APY
- + FDIC insurance up to $2M via partner network
- + Same-day direct deposit (up to 2 days early)
Contras
- − Top APY requires qualifying direct deposit
- − No physical branches
What you'd earn at SoFi Bank
Plug in your numbers. We'll show you how much interest you earn at today's rate.
Total contributed
$25,000
Interest earned
$3,711
Final balance
$28,711
Year-by-year breakdown
| Year | Contributed | Balance | Interest |
|---|---|---|---|
| 1 | $13,000 | $13,455 | $455 |
| 2 | $16,000 | $17,047 | $1,047 |
| 3 | $19,000 | $20,784 | $1,784 |
| 4 | $22,000 | $24,670 | $2,670 |
| 5 | $25,000 | $28,711 | $3,711 |
Assumes monthly compounding and a constant APY. Actual results vary as APYs change. Not financial advice.
Detalles de la cuenta
- Tipo de institución
- NEOBANK
- Depósito mínimo de apertura
- $0
- Saldo mínimo para ganar APY
- $0
- Cargo mensual
- $0.00
- Capitalización
- daily
- Acceso a cajeros
- Sí
- Cheques
- No
- App móvil
- Sí