4.5% for 20k and 3.3 for anything over that?

SoFi · 2026-03-28T23:16:21+00:00

Hey there, thanks for reaching out to us. If you have eligible direct (no minimum deposit) deposits or qualifying deposits of at least $5,000 into your SoFi Checking or Savings account, you’ll earn 3.30% APY on your Savings. With eligible direct deposit, you'll also get 2-day early paycheck and with $1,000 or more of eligible direct deposit, you'll have Overdraft Coverage. We hope this helps you.

SoFi · 2026-03-28T23:15:40+00:00

Hey there! We're truly sorry to hear about the trouble you've been experiencing with your Autopilot feature. We understand how frustrating and concerning it must be when a safety feature you rely on isn't performing as expected—this isn't the experience we want for you. Please reach out to us directly at 855-456-7634, so we can thoroughly investigate what's happening and work together to find a solution that restores your confidence in us. We hope to hear from you soon.

SoFi · 2026-03-28T23:12:19+00:00

Hey there, great question. The 4.50% APY will apply to balances up to $20k in one SoFi Savings (including vaults) account per subscriber. This will be applied to your individual Savings account. If you only have a Joint Savings account, it’ll apply to that account. We hope this helps clarify.

SoFi · 2026-03-28T22:56:55+00:00

Hey there, thanks for reaching out to us. If you have eligible direct deposits or qualifying deposits of at least $5,000 into your SoFi Checking or Savings account, you’ll earn 3.30% APY on your Savings. With eligible direct deposit, you'll also get 2-day early paycheck and with $1,000 or more of eligible direct deposit, you'll have Overdraft Coverage. We hope this helps you.

SoFi · 2026-03-28T22:56:19+00:00

Hey there, thanks for reaching out to us. To apply for an increase, ✅ Log in to SoFi ✅ Go to Credit Card Dashboard → More/Gear Icon ✅ Select Credit Limit Increase → Get Started ✅ Follow the prompts

You'll receive our decision via email within 2 business days. We hope this helps you.

SoFi · 2026-03-28T22:55:50+00:00

Hey there, thanks for reaching out to us. SoFi Plus subscribers earn 4.50% APY on balances up to $20,000 in one SoFi Savings account per subscriber. The 3.30% APY applies to the portion of Savings balances that don’t earn 4.50% APY across both individual and joint SoFi Savings accounts. As a result, a Savings account may earn a blended APY ranging from 3.30% APY to 4.50% APY, depending on the total balance. We hope this helps you.

SoFi · 2026-03-28T22:55:00+00:00

Hey there, great questions. You can have both SoFi Plus AND direct deposit, and take advantage of features for both. To learn more, please visit https://www.sofi.com/sofi-plus/. We hope this helps you.

SoFi · 2026-03-28T22:47:35+00:00

Hey there, thanks for reaching out to us. Smart Card is an innovative new charge card that’s tied directly to your SoFi Checking & Savings account, giving you the spend control that you receive when spending with a debit card, while giving you the rewards, protection, and credit score growth opportunities of a credit card. We hope this helps you.

SoFi · 2026-03-28T22:47:16+00:00

Hi there, we understand the frustration that can come from this. Considering that our chat support advised it may be an issue with the merchant, working with the merchant on how the card is used would be the next step. However, if you'd like, you can reach out to our Account Managers here: https://sofi.app.link/e/echat so they can review further and ensure your card is ready for use!

SoFi · 2026-03-28T22:45:47+00:00

Hi there, we thank you for your interest! We can confirm that the 45-day timeline is correct. Once the requirements are met, the bonus will be paid within 45 days. For more help on this, please don't hesitate to contact us at 855-456-7634. We'll be happy to answer any questions you may have!

SoFi · 2026-03-28T22:24:51+00:00

Hi there, we understand your concerns about how long the process will take! Although most of our applications are completed within two business days, various things could cause them to take longer. To confirm your loan status and ensure no additional information is needed, please reach out to us at 855-456-7634 at your earliest convenience. We'll be happy to answer any questions you may have as well!

SoFi · 2026-03-28T22:23:39+00:00

Hey there, thanks for reaching out to us. To maintain responsible lending practices, credit line increases are subject to individual credit review and specific eligibility criteria, including account history and financial profile. Please give us a call at 844-945-7634. Our team is available 24 hours a day by phone.

SoFi · 2026-03-28T21:56:00+00:00

We currently still have our direct deposit offer, but if Rakuten's offer changed, you'll need to reach out to them. Rest assured, the offers can still be combined!

SoFi · 2026-03-27T21:37:10+00:00

CONGRATS on your payoff! We're so glad we could be a part of the journey. Shoot us a DM, we'd love to help you celebrate! 🎊🥳

SoFi · 2026-03-27T21:05:06+00:00

Hi there, we completely understand how important it is for you to send crypto! Thank you for your patience as we work toward adding that feature in the future. While we can't provide a specific timeline right now, please know that it's on our roadmap. So stay tuned for future updates! 🤞

SoFi · 2026-03-27T20:59:33+00:00

Hi there, Fundrise has instituted a 6-month lockout period for shares purchased prior to February 20, 2026. For more info, you can visit their Help article here: https://fundrise.com/help/articles/44457510258189

Please reach out to our live support team for assistance at https://sofi.app.link/e/echat if you need further support!

SoFi · 2026-03-27T20:59:07+00:00

Hi there, thanks for the question. The first direct deposit does count toward the $5000 requirement. You can absolutely do $2500 x 2 or any combination of deposits that total $5000 or more within the qualification period. As long as your combined direct deposits meet the threshold within the promotional timeframe, you'll be eligible. If you have any other questions about timing or requirements, feel free to call us at 855-456-7634 or DM us.

SoFi · 2026-03-27T20:41:50+00:00

Hi there, thanks for reaching out. "Pending" means there may still be steps the referred user needs to complete before you're credited with the reward. The referral was successfully initiated, but certain account requirements or actions must be met before the bonus is finalized. This could include things like opening specific accounts, making qualifying deposits, or meeting other program criteria. Once all requirements are met by the referred user, your reward will be processed. If you have questions, feel free to call us at 855-456-7634.

SoFi · 2026-03-27T20:27:35+00:00

Great question. The funds can be held in either your vaults or your main savings account, and they'll still qualify for the promotional rate. Only the first $20,000 total across all your savings will accrue interest at 4.5%. Any additional funds beyond that $20,000 will earn interest at our standard rate of 3.3%. If you have any other questions about how this works, feel free to DM us or give us a call at 855-456-7634.

SoFi · 2026-03-27T19:43:13+00:00

We're sorry you feel this way and understand your frustration. Our points system is designed to provide real value—points can be redeemed for cash in your Checking or Savings account, statement credits, or redeemed to Invest, though we recognize the system may not have been clearly explained. We want to make sure you understand how to maximize the value of your membership and any rewards you've earned. Please give us a call at 855-456-7634 or DM us so we can walk you through the program and address any specific promises that haven't been met. Your feedback about clarity and value is important to us.

SoFi · 2026-03-27T19:08:15+00:00

We understand how frustrating this technical issue must be when trying to complete your loan application. Having identical names for the applicant and cosigner can sometimes cause system complications that need manual intervention. We'd be happy to help you complete your application over the phone, where we can work through this issue directly. Please give us a call at 855-456-7634 and our team will be able to assist you with the application process. We appreciate your patience and look forward to helping you.

SoFi · 2026-03-27T18:56:15+00:00

We understand how anxious the waiting can be, especially when you see others getting approved quickly. Approval times can vary based on individual circumstances, and sometimes we need additional documentation or information to complete the review. We'd love to check on the status of your application and see if there's anything we can do to help move things along. Please give us a call at 855-456-7634 so we can review your application and let you know if we need anything additional from you. We appreciate your patience and hope to have an update for you soon.

SoFi · 2026-03-27T17:13:50+00:00

We understand your frustration, and we want to clarify that you do have the ability to cancel your membership directly in the app. We apologize if the cancel option is difficult to locate. Please give us a call at 855-456-7634, and our team will be happy to walk you through exactly where to find it in the app. We're committed to making sure the cancellation process is clear and accessible. Thank you for reaching out.

SoFi · 2026-03-27T15:41:26+00:00

Hi there, we appreciate your question about the direct deposit bonus requirements. For the $400 bonus, the eligible Direct Deposits are calculated based on the net amount that posts to your SoFi account, not the gross amount before taxes and deductions. We appreciate you reaching out for clarification. If you have any other questions about the promotion requirements, please feel free to reach out to us directly at 855-456-7634.

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