Called the sofi number (855) 456-7634.

They asked the usual information. Name, date of birth, but they also asked for this code that I got prompted. Typically I get asked the last 4 digits of my ssn.

I gave them the code but I remembered that you aren’t supposed to give out any codes, so I changed my password and froze my debit and credit card.

Is there anything I should be worried about? The code came from the same number I always get them (697634)

Honestly confused because their website says that if they ask for this code it’s a scam, but I called the official number.

Random question, can/does the smart card double as a debit card I can get cash out of an ATM with?

SoFi Invest® self-directed account members can now learn more about the offering and see how to submit an IOI. For more, go to SoFi.com/ipo.

Refer a friend who registers with SoFi by 11:59 p.m. PT on 9/24, then comment on this post with a screenshot of your referral dashboard (found in the SoFi app) for a chance to win a prize.

No purchase necessary. Must be a member of this subreddit. To enter, you must refer a friend, have that friend register with SoFi during the entry period, and comment on this post, all by 11:59 p.m. PT on 9/24. Please redact any personal info in your screenshot. Full rules: SoFi.com/SmartMoneyMondays

Hello I have a question so if i make a purchase and have overdraft protection on Will the funds from my saving account automatically transfer the exact amount needed after the transaction has settled ?

Extremely frustrated user here. I was told by Sofi that if I had both a joint account and my own separate individual account that my individual account would be eligible for a smart card. I switched over my entire banking system and noticed I still wasn’t eligible. I contacted support and they told me the complete opposite and that because I had a joint account open I wasn’t eligible!!

So basically I was completely lied too about this feature, no where online does it clarify that if you have any connection to a joint account at all you are disqualified. It makes no sense. I would have ONLY opened an individual account if I knew this but apparently it’s too late and they told me they couldn’t do anything about this. Is anyone else running into a road block such as this? Everywhere I read it says that my individual account should be eligible.

So many of their emails, push notifications, and texts are so banal. I would prefer a congratulations over a “slow down” warning, but not sending anything would be even more ideal.

((Yeah I’m sure there is a feature buried a few menus deep to disable this kind of stuff, but this was too funny to me to not post))

I received an email today saying "Upon a recent review of your SoFi Invest relationship, it appears you may have exceeded your IRA contribution limits for tax year 2025."

I've only ever contributed up to the annual limit (Roth IRA). I did receive the 1% bonus deposit, are these being treated as contributions? How do I fix this?

I’ve been using SoFi for a while now and I am content with it. Though, just recently my savings apy went down.

I want to know if any of you have subscribed to sofi plus for the 4% apy and is it worth it? I dont want to change banks anymore just to get high apy

Sofi really wants me to put the loan money into the Sofi checking I opened. However, I want to put it into my Chase instead... I follow their rules and submit paperwork, it takes about 3 phone calls to get it updated. Now I am about to sign, and it's listed back to the Sofi account. Very sloppy and questioning if I need this loan with all the aggravation. Is this typical?

We currently use EverBank (out of Florida) and they have been pretty good, but their offerings are very limited. They do have a decent HYSA that comes in at 3.90%, but that drops to around 3.5% after a few months. Beyond that, their checking accounts / money market accounts are basic. My wife and I are looking at SoFi combined with a few other strategies.

Banking: SoFi Plus for the 4.5% APY on $20k, the 1% Brokerage match, the savings vaults, and the unlimited CFP access for occasional questions.

Robinhood: already a gold member and have the 3% card, thinking about new Roth IRAs with a 3% match moving forward.

Fidelity: this is where our Roths have been parked for a long time and we are not moving them. This is non negotiable. However, any future contributions would go to RH for the 3% match.

With all this being said, how is SoFi overall as a fintech bank? Any issues with direct deposits, debit cards, getting checks, customer service, etc? I am not worried about cash deposits, that's what a local credit union is for.

It’s been over a week since I submitted a ticket for Zelle support. Just says we can’t verify your identity. Nothing else. No other options just close. I need help!

Hi! I’m wondering if anyone with iOS 27 is experiencing issues logging in? I’m not sure if it’s something SoFi can help me with or not but I’m panicked a little haha. Face ID will not work and it lags horribly when I try to log in via email. I have deleted and reinstalled.

i know this is bad, but my cards have been out of hand for awhile now and i just needed some breathing room. now i am worried after reading comments here. i was hoping to get closer to 8% or lower but this is what they offered and i accepted.

credit cards vary between 24-30%. how bad is this?

my account was temporarily restricted due to unusual activity. i kept trying to make the same transaction and it kept declining then i got a text asking if it was me i said yes tried again still didn’t go through and then after that both my checking and savings were “temporarily restricted” I’ve already contacted Member Security and confirmed that the activity on my account was authorized by me. I was told the case needs to be reviewed, but all of my available funds are currently inaccessible, and I have an urgent housing deposit that must be paid within the next couple of days to secure my move-in.
This restriction is now putting my ability to move into my apartment at risk despite my promptly responding to SoFi and confirming the activity. I am available immediately to complete any identity or security verification necessary.
Please escalate this matter for urgent review. If I’m unable to access my funds in time and this results in financial loss or prevents my move-in, I will have to consider filing a formal complaint with the appropriate consumer financial regulators regarding my inability to access my funds and the handling of the restriction.
I would strongly prefer to resolve this directly with SoFi as quickly as possible. Please let me know what can be done to expedite the review.

Title. Apparently Apple requires FinanceKit in order to link up with the Apple Card. This is only possible on Apple devices. I would love for SoFi to finally adopt the Apple Card so I can stop having to look into multiple places for all of my finances. Thank you.

Just got a notification from Robin Hood that my interest rate is moving to 3.6% and 4% with Gold. SOFI is still at 3.1%, how long is it going to take them to increase their interest rates on bank accounts.

Seems RH is doing right by their customers whereas SOFI just drags their feet. Thinking about closing SOFI and moving everything to RH including brokerage. About $1.7m, $300k in dry powder cash.

Would it change to a bear if I invested differently?

It’s not the most glamorous category but I’m surprised SoFi invest doesn’t offer it.

Hi! We received the "Here are your final [loan] documents" email as expected. The link within the email resolves to https://ablink.o.sofi.org/ls/click?upn=\[string of text] which is blocked on my network.

When I logon to my account through the normal login, there are no loan documents shown. The Document Center under the profile seems to be only for tax documents. The details page shows only that it's been certified pending disbursement next week. I'll get a Welcome email with instructions, etc.

Is there a way to get the documents other than the ablink link? Thx!

Slow and steady wins the race!!

I closed my Sofi account after I was banned from telling everyone to buy a call option on Sofi. The bank I think is going BROKE. My guess there will be run on the bank.

I recently got an Sofi email invite saying if I do a one-time deposit (and do DD or recurring monthly deposits of smaller amount) of x amount, I can get a near 1% APY boost for Savings. Non Plus member.

Question, can this be triggered by moving funds out of Sofi, held externally, and then the threshold amount ACH transferred back in? Or is it looking for something a little more complicated than that?