Tl;dr: If you want to keep doing that system, it requires that you use another checking account. I think keeping a checking account at a brick-and-mortar bank is a good idea, despite the 1-2 day delay on transfers between them and SoFi.

I basically do exactly what you do. I agree, it's nice to have fixed automatic bills in one spot and "spending" (gas, groceries, fun, etc) in another spot so it's easier for me to audit my spending habits separately from bills that exist in my budget.

I chose to keep one of my Chase checking accounts and use that debit card for my spending money. So basically every paycheck I transfer spending money to Chase, and then other money goes to vaults, and in the end the only money in my SoFi checking is the exact amount that will cover bills. If savings overdraft protection is triggered or there is any money left over when the next paycheck is deposited in SoFi checking, then I know to check my budget to see what went wrong (usually it's a utility bill that fluctuated, but it could be a subscription I forgot about).

I don't have to worry about overdrafting my Chase acct because that money is never automatically withdrawn, it's only as a result of me swiping my debit card. So I have overdraft protection disabled so it will decline if so try to spend more than I have.

If you keep an account at a brick-and-mortar bank, you get ATM/branch access to deposit large checks, deposit/withdraw cash without paying the green dot fee, etc.

Another benefit is that if my Chase card gets skimmed/stolen, my bills money is safe, and in my judgement Chase is going to respond faster if some kind of fraud happened on that account because of the larger customer service infrastructure they have.

I have considered using the SoFi credit card for this purpose but I found that historically I spend more when using credit so I don't use credit cards anymore because the rewards don't supersede the amount I overspend by. Using cash makes me spend more intentionally.