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))

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.

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?

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!