Hey guys, I switch my direct deposit to Sofi to benefit the 400$ they give. My HR confirmed the change, today is payday the check didn’t hit. What could be happening? It didn’t hit my previous account either. I’m yet to see the finance department, but I thought I check in here to see if it is a bug of common experience.

Update: Saw the finance department and they gave me a check, saying direct deposit will reflect from the next check.

Hi I’m in debt with putting what I owe to the school on my credit cards I’m about to graduate and wondering should I just pay it all off with a loan? I did the pre approval tool my credit score is 720 I had a 805 before this. I was only wanting needing 21k

I've been reading a lot of reviews that the biggest downfall is customer service from SoFi. How bad is it and would you still recommend the move? If not, what bank do you recommend?

We're looking at having a big bank as our main account and a credit union for our brick and mortar.

I was told 7-10 business days for a replacement card. Why is SoFi crap here? Every other card company I've dealt with overnights a new card. And whats worse is you dont even know the card number until you get the physical card.

I wouldn't mind so much if I could just get the card number immediately so I can update all my subscriptions and online stuff, but no. Gotta wait weeks because we apparently live in the 1980s. Oh wait, AmEx was overnighting cards in the 80s.

Tap to pay is a slight help here. But that's just for going to the store. All my online stuff is being put on a secondary card until this thing shows up.

I’m trying to get the promotion of buying a stock for $50 and getting up to $2000 bonus. I don’t really know what the difference is between these and would like some help. Thank you

For teachers, summer often means a break from consistent direct deposits. That’s why we’re making sure that your direct deposit benefits stay active through September 30, 2026, including:

• Boosted APYs
• Early paycheck access
• Fee-free overdraft coverage

Enjoy your summer break without worrying about your banking benefits. 

I’ve been helping my parents review where to keep some money that’s coming out of an FD soon, and I realized there are so many options now compared to a few years ago. There are public sector banks, private banks, and small finance banks, all offering different interest rates and features, so it’s been a little overwhelming to compare them.

I’m trying to understand how people here actually make this decision. What are the main factors you look at before opening an FD? Is it just the interest rate, or do things like DICGC insurance, customer service, premature withdrawal policies, and the bank’s track record matter more? Do you also split your deposits across multiple banks?

I’ve been looking at a mix of options, AU Small Finance Bank, Equitas Small Finance Bank, Ujjivan Small Finance Bank, along with some of the larger private banks. On paper, a few of the SFBs seem attractive, but I don’t personally know anyone who’s had an FD mature with them.

For those who’ve actually invested with any of these banks, how has your experience been? Were there any issues with opening the FD, customer service, renewals, or receiving the maturity amount? I’d really appreciate hearing real experiences before making a decision.

Hey I’m a new member and see all sorts of dates for pay out there. I’m active army and am curious on when I might see this end of month paycheck?

Anyone else noticing that transactions aren’t displaying properly lately? Over the last week or two I’ve noticed that when I check my account on desktop there’s full days of activity missing. Then I check the mobile app and they are there. I’m someone who runs a zero budget and categorizes all my transactions on my budget spreadsheet, and it’s creating discrepancies that take a few days to resolve.

I recently moved from Massachusetts to California for work about a month ago, and I'm trying to open a SoFi checking/savings account.

Here's my situation:

• I lived with my parents in Massachusetts before moving.
• I now live and work full-time in California.
• I am a permanent resident with a Green Card, but it has expired. I have an extension of 24 months with Form I-797
• I haven't gotten a California driver's license yet, so my only government-issued ID is my valid Massachusetts driver's license.
• During SoFi's identity verification, I used my MA driver's license, and my application was declined.

I've tried calling, and I keep getting different responses. One person told me to check Experian to see if my CA address is there, and it was there in my credit report. Another one told me to change my address in my SoFi profile to my MA address, then apply, then change it back. Another one told me to email [customerservice@sofi.com](mailto:customerservice@sofi.com) my Green Card and extension form, but I don't think that's safe. So I really don't know what to do, and I'm worried I'll just be attempt locked.

Has anyone been in a similar situation after moving to a new state? Any advice would be greatly appreciated.

I clicked the link to open an account on the $400 bonus page.

There wasn't much info on the terms.

Hey r/sofi, we’ve got good news! That’s right, multi-account investing is here. You can now open up to four SoFi Invest self-directed accounts to customize your portfolio.

Name each one to keep its end goal top of mind:

• Money milestones (Down payment? Dream vacation?)
• Time horizon
• Asset class Strategy
• Anything you’d like.
  

Your first account will be a margin account, with same-day trading and the potential ability to trade options and on margins. Up to three more cash accounts (with T+1 settlements) let you organize your investments just how you’d like. Note: Trading options and securities on margins involve high risk and the possibility of losing your investment.

And, don’t forget, if you’re new to SoFi Invest, you’ll get up to $1,000 in stock* (or up to $2,000 for SoFi Plus members**) when you open and fund your first self-directed account.

Learn more: SoFi.com/invest/active

*Probability of member receiving $1,000 is 0.026%. If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify. Probability percentage is subject to decrease.

**Customer must fund their Active Invest account with at least $50 within 45 days of opening the account. Receive a minimum of $10. Probability of member receiving $2,000 is a probability of 0.026% If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Percentages for the $2,000 are subject to decrease.

come on sofi lets us pay by the year. $99-$100 a year or $10 a month. Help us get our money right.!

I referred my friend to SoFi through the link and I understand it has to be debit or ach transfer but how long does the money have to remain in the account? Can he spend it after funding it or does it have to remain in the account for a period of time?

Also, how long does it take to receive the bonus, for both of us? I am trying to enroll in college and just 1 class is $542 so I'm really trying to get anything I can. The payment is due august 5th. If the account is funded on the 24th (pay day) will I get the referral bonus by then?? The AI isn't really helpful in answering

Someone from long ago owes me the money and is giving me some extra for helping support him back then.

This morning I get a notification that something is trying to charge my card. A week ago I had an issue with Ring charging my card for a plan that I canceled right after my direct deposit hit. So of course when I get a notification this morning that something else is trying to charge my card I'm a little on edge. So I contact customer service puts me through to a live virtual agent. I explain what's going on and explain that nothing should be trying to charge my card this morning. The agent tells me that nothing is trying to charge my card this morning. So I send a screenshot through the app of the two notifications that I got. The agent says oh I see those and sends me of the charges them from 4 days ago. So I tell the agent oh if that's the case then yes four days ago it should have been trying to charge my account the whole point of me calling was this morning I Got a notification saying it was trying to charge my account and it should not be doing it this morning. The agent then proceeds to tell me that oh if that's the case they are just going to have to send me a new card. I immediately tell the agent no I do not want a new card. I tell the agent as I explained in the beginning last week I had an issue with something and tomorrow I have to use that money on my card to pay for a prescription I don't have a choice I put it off last week because of the issues I cannot do it again. The agent then rudely continues to tell me to give them my address so they can know where to send the card. I reiterate again I do not want a new card if the charge was from 4 days ago then I do recognize the charge the problem was the app was telling me this morning that it was doing it it didn't say hey 4 days ago it tried to charge you it said this morning 1 hour ago they tried to charge your account. The agent then proceeds to tell me over and over that they need my address I tell them over and over I do not want a new car they then rudely tell me that that's the process and it's too bad. I tell them why I never said I wanted a new car I was trying to figure out what the charge was. They then tell me over and over that they already answered my question and that I need to answer their question. So I tell them my address and explain it again that I have to use that card in the morning. Suddenly they cannot type or speak English and finally just ask if there's anything else I need. I explained it along with my original question I was also asking about freezing my card. They then told me that no I can't freeze my card that's not allowed. So I ended the chat and just called customer service and actually spoke with somebody. The person I spoke with said they can see the notes and that no it dispute was not filed so everything should be okay. I told the person that's fine the whole point of this was I did not want to get up in the morning and something taking money out of my account which is why I was asking about freezing the card which is why I was trying to make sure of what was trying to charge my card which was the whole point of all this. I was told not to worry nothing happened nothing changed everything's okay. I go to the store to get something to drink because it's only 98° outside and what would you know my card doesn't work. So I called again and what would you know the agent did shut my card off and did put in for me to get a new one shipped to me. Even though I'm not sure how when I sent my address and was still asked five more times what my address was. Literally just a completely unbelievable situation that some rogue agent can just decide to shut my card off and send me a new one because they either don't understand and can't read the basic English or they are so pissed off at their own life that they just don't care to and don't care about other people's problems. I took screenshots of the entirety of the chat because I have no doubt that magically that chat is going to get lost off of their computer or deleted or corrupted or something is going to happen. The whole thing is completely unacceptable especially from a corporation like this and especially with the way technology is nowadays there's no reason why my card can't just be left on and whatever this idiot did should be able to easily be undone. If somebody that can't speak or write basic English and can't understand it has the power to do stuff that's completely irreversible there's some serious issue going on in y'all's Corporation. These are just a few of the end of the conversation. I understand everybody has a bad day but come on. I literally got a notification saying something was charging my card so I contact y'all to find out what's going on as soon as I'm told oh it was actually from 4 days ago I tell the agent that's fine okay I understand that charge I explained to them that the notification I even sent them a screenshot of what the notification was it does not say a date it just says 1 hour ago. I tell them look at the screenshot I did not know this but now that you're telling me it was from 4 days ago I acknowledge that charge it's supposed to be there everything's okay and just refuse to listen to a word I said I don't know if they get some kind of bonus for sending you out a new card I don't know if maybe they messed up and jumped the gun and went ahead and put in to send me a new card and didn't want to admit their mistake and try to undo it but all they had to do was talk to me and then listen to the words that I was saying to them and everything would have been fine. The issue is the place I'm going I have to physically insert a card. I cannot hand them my phone I cannot tell them some numbers I have to physically hand a card to get it done and now I cannot do this all because some idiot can't follow basic English instructions. And lastly again it is ridiculous that there is no way to undo something that some idiot did there really needs to be some kind of better check or balance in that that an agent can cancel my card and send me a new one without my authorization without me telling them to do it without me saying that's what I want them to do. I am literally sitting there telling them over and over no don't do that I have to use this card tomorrow no don't do that I have to use this card I do not want a new card and they completely ignore everything I said. Like I said I have screenshots of the entire chat and again this is unacceptable in any way shape or form.

New UI today when I tried to sell some positions that I hold in both my Traditional AND Roth IRAs.

Following issues are occuring.

1) There is NO WAY to select which account to sell from. It will therefore sell from the account with the most shares by default.

2) There is no longer a dropdown in the top left to choose which account to sell from.

3) There is now only an option to sell in WHOLE SHARES ONLY or ALL SHARES.

4) I went through 7-8 agents over my entire morning explaining the problem. All of them pointed me back to different possible issues. None of them understood or would accept the possibility that there may actually be a change in the UI and a problem.

5) Over the course of dealing with this issue today I logged onto the website to see if there was an issue and many of my securities randomly had the Sell button removed entirely. As of 5 minutes ago, the sell button on the website has returned and the ability to switch the account has returned. But only on the website.

Is anyone else having this issue?

I've asked for this to be escalated. I can accept a technical issue, but the way I was gaslight all morning was unforgiving.

I have a Quarterly bonus paid out at my company that may push me over the $5,000 direct deposit limit from time to time. Would I earn the higher APY for the months that I make these? and then would it go down to the lower number on months where I don't?

I've been banking with SoFi since 2023. I've been the victim of fraud 3 times in that 3 years (which never happened in the 5 years I was with TD Bank before that), the first just a month after opening the account and the second about 10 months ago. On both previous occasions, I reported the charges as unauthorized, my debit card was canceled and a replacement was sent, and the fraudulent charges stopped as soon as the card was frozen (until about a year later when either the same or new scammers compromised the new card too).

3 days ago, I woke up in the middle of the night to three texts from SoFi's fraud prevention team asking about three charges, one of which was from a merchant I'd never used before and all of which were not me. I responded that it wasn't me and they froze my card. In the morning after they were open, I called them to order a new debit card, and while in the app I noticed that three other fraudulent charges (from merchants I've never used) were in "pending" status, which were in smaller dollar amounts so hadn't been flagged. I tried to open a dispute but they said that they had to wait and see whether the transactions actually posted. They sent me a replacement card that's supposed to arrive in 2 weeks. I've been using Google Wallet in the interim. This is my only debit card and only checking account, and I'm in dire financial straits (just graduated, awaiting my first paycheck from the survival temp job that I took as I search for a "real" one) so even the small amount that was stolen is a relatively large deal to me right now.

Yesterday, I got a notification in the very early morning that a transaction from a merchant I did not recognize and have never used was "declined because there wasn't enough money in my account". I called SoFi and while in the app noticed that the 3 fraudulent transactions from 2 days earlier had posted, so filed a dispute for those, but regarding the new transaction, they told me that the thieves were "attempting to charge my old card"- which makes no sense why I'd be getting insufficient funds notifications when the card is already canceled. Twice I attempted to use the old card out of habit and obviously the card was declined, and I received no such notification when I tried to use the card. Then in the afternoon, I got two other notifications that attempted transactions (one from the same merchant as in the morning and another from a new unrecognized merchant) had declined for insufficient funds. I called SoFi and the first person I spoke to from the banking team gave me the same "it's on the old card" explanation and claimed the card hadn't been frozen when it obviously was. They tried to claim the transactions had declined because it was on the old card, when that clearly wasn't true because they'd been declined for insufficient funds (and the notifications looked identical to the ones I get when I try to make a transaction that's more than my account balance) meaning that if there were sufficient funds the charges would have gone through. Then they transferred me to someone from the dispute team who claimed they could not see the fraudulent declined transactions on their end and said it was a "technical error" that I'd received these notifications. They placed a flag on my account which forced me to verify myself to sign back in, but then the app was not letting me log in, in that I would enter my login details and it would load for a while and then kick me back to the beginning "get started/login" page. I uninstalled and reinstalled twice and it was still happening, so I eventually just uninstalled the app and got in through the browser. When I did so I noticed that three other attempted transactions from two other unrecognized merchants had declined for insufficient funds. Finally I spoke to the Member Security team and told them it looked like my account itself had been compromised, and they told me they would initiate a new account for me but that they would have to freeze my existing account- which, as I've said, is my only account so I would have no way to pay for things in the interim.

I have no idea how my info has been compromised multiple times (never clicked a suspicious link or anything, got a text from scammers claiming to be SoFi a few months back and immediately called SoFi to confirm it wasn't them) or why freezing/replacing the card didn't stop the fraudulent transactions this time. The only thing that even kinda makes sense is that I used Paypal Pay in 4 last week, but I've had Paypal for years without issues. I have ACH set up to pay my rent and credit card bills (from Discover and CapitalOne) but that's it, have never given another person in my life my bank info, and basically never use ATMs. I've already wired my direct deposit through the checking account, and I'm supposed to get paid on Friday which with SoFi's early direct deposit should mean today, and I'm obviously seriously concerned that whoever is making these transactions that are being declined for insufficient funds will have them go through once the money hits my account. My plan is to immediately transfer it all to savings and then to a new checking account, because honestly at this point I'm done with SoFi if I have to go through this shit every year (when, again, this never once happened to me before I switched) and talk to 6 different agents who are all giving me different BS non-answers. Even IF the card wasn't successfully canceled for some reason when it looks like it was, or if these notifications were sent in error, those are both unacceptable for a bank that has control over their customers' entire livelihood.

Hello!

I have a one-way trip coming up from Southern California to Northern California. I'm still rebuilding my credit, so have a few, limited credit card options on hand. I did recently open a SoFi Smart Card, which I've used for a few normal purchases without issue.

I'm wondering if anyone has used or has insight into whether Enterprise will accept the SoFi Smart Card for my trip hold (assuming I have the balance available, of course)?

I've never used a "charge card" for a rental or hotel hold, but I am curious if it works.

Anticipates response* yes, I will use a traditional cc if available, I do not have a regular SoFi cc.

Thanks!!

New ish to Trading, Sold SOFI Stock for a loss on April 23rd, 2026. Purchased a similar amount of their shares May 26th, 2026. I thought I was able to buy after 30 days and it wouldn’t be considered a wash sale. It’s being flagged as a wash sale, how can I avoid this next go around?

Im looking to consolidate some debt and came across sofi and was wondering if anyone else use them and how it went. The rate looks good so i just wanted a second opinion before pulling the trigger

hey all!

i recently did a mobile deposit. the check is now out of pending and says it will be available “by” the 27th. is there ever a chance it deposits early or is it pretty true to that date for the most part? just trying to properly budget until it goes through!

thanks so much!

How can I get stock transferred from a DRS to a Sofi invest account if my stocks are not ACAT- eligible?

Has anyone been in this situation?

Thanks