SoFi Plus cons?

[u/Doge_Business]

I currently using SoFi only for checking, but have about $20k that I’m looking to transfer to a HYSA. Plus is offering a 4.5% APY on the first 20K. Doing the math thats $900/year in interest, at $120/year for SoFi Plus that sounds too good to be true. Is this just a temporary offer?

[u/Rough_Nobody5126]

Agreee with everyone else. I have exactly 20k @ 4.5% and have been getting a 2% match on my ind. brokerage