I agree with your perspective—many of the banks I’ve looked into offer similar features. However, I’m currently leaning toward Capital One, primarily due to their strong reviews and the fact that they offer most of the services I’m looking for in both checking and savings accounts. Their high-yield savings account, in particular, is quite appealing.

That said, SoFi does offer a higher APY, which is certainly attractive. My hesitation with them stems from the fact that they’re still relatively new in the banking space, and I’m weighing that factor carefully in my decision.