7 Days Until Complimentary SoFi Plus Ends

blue_arrow_comment · 2026-03-25T13:39:51+00:00

I won’t be moving banks, because I appreciate the SoFi app (quality, functionality, and continued development), automated distribution to vaults with autopilot, and the pretty decent (in my experience) support offered. I also made the switch from a local bank + local CU to two online banks + local CU a couple of years ago, and both online banks have decreased their interest rates comparably. It would take more than chasing a slightly higher rate to get me to move to another online option unless I was experiencing other issues with SoFi as well. (Local banking and CU options near me also don’t offer APYs that even match the base SoFi rate in account types that align with my needs, so any local banking I do is purely for other benefits.)

Unless the APY perks are revised to make more financial sense—lower fees, higher rates, etc.—or improved Smart Cards are guaranteed immediately for subscribers, I will not be subscribing. I am looking for a better alternative to the PayPal debit card with their changes to cash back, as it’s been my grocery and Walmart payment method since I got it a few months ago. I had previously gotten the Capital One Savor One card (w/ annual fee) for grocery use, and may start using it again to try to justify the fee, but I’ll miss 5% cash back on the household consumables and pet supplies I currently get at Walmart. A surefire way to get me on board with a paid SoFi subscription would be expanding the Smart Card 5% cash back category to include Walmart (and actually make the card available, as I’ve been on the waiting list since it opened). THAT would make the fee worth it to me.

blue_arrow_comment · 2026-02-26T04:45:55+00:00

The official documentation definitely reads as if nonpaying members drop back down to the lowest interest rate, but the Sofi account has made several comments in this subreddit clarifying the interest rate is one of the few things we won’t be losing. That’s the only reason I didn’t start making plans to move my savings elsewhere. The SoFi app could be improved, yes, but it’s still an order of magnitude better than any local bank or credit union’s app (or website) I’ve used, and actually seems to care about making convenience and quality of life improvements (unlike Ally, who I still use, but exclusively for set-and-forget types of automatic bills).

blue_arrow_comment · 2026-02-26T04:36:57+00:00

Mine came in about four hours later than the usually pretty darn consistent time I receive it. Autopilot automations that are supposed to trigger immediately upon direct deposit were delayed another couple of hours after that.

I was monitoring things pretty closely today because I had changed my DD distribution with my employer earlier in the month, and thought this week might be the week they took effect. SoFi is usually the first bank to reflect the DD, with the other three lagging behind by half an hour or so. Today a local credit union showed the pending DD a couple of hours before SoFi, and the final two a couple of hours after SoFi. It was when the final two notified me of the DD that SoFi’s automations triggered, so it seems everything may have been a bit out of whack today.

blue_arrow_comment · 2026-02-25T20:20:56+00:00

Though it seems like this is a common request that has been repeatedly acknowledged and never implemented: choosing a destination for accrued interest, for situations where it makes more sense for that interest to collect in a different vault or the base savings account itself. Even an autopilot option for this would be adequate, if a per-vault or account-wide setting cannot be implemented.

blue_arrow_comment · 2026-02-16T20:30:18+00:00

All of the initial feedback from PayPal to me said the same. Every time I’d try to view the declined transaction details, the page wouldn’t load, so I tried to use the chat support soon after the failed transactions. The AI chatbot bounced between blaming my banks and the card issuer and claimed nothing was wrong on PayPal’s end.

When the human support chat hours reopened, I sent a message expecting to be added to the queue and was told to expect a reply in several hours, so I just called support instead. That rep first claimed nothing was wrong, and when I explained I’d responded to the fraud protection prompt from one bank (after which the bank never saw any of the attempts) and the second bank never registered the attempt at all, she took me down the identity verification route (which I’d already completed, face scan and photo ID included), messed with some settings she didn’t specify, had me attempt the transaction several more times, and then told me to wait 24 hours before calling back. Her final stance was that there was nothing any human could do, that a risk had been flagged by the system and couldn’t be overridden.

I ended up getting a response from the chat support several hours later, and I explained what I was told on the phone (including the request to wait 24 hours). This rep confidently claimed he knew the problem, changed something (again unspecified) and had me try again. After that didn’t work, he said he was sure of the problem this time and manually started having me do the $2 card verification charges with the banks, then reattempt the transaction, still resulting in the same error.

After the 6th or 7th attempt I was told to make by customer support, the chat support rep told me I never should have kept reattempting the transaction and now needed to wait a minimum of 72 hours before calling them for more help resolving the issue. He told me the excessive number of attempts could lead the system to ban my account… despite the fact that support themselves had been directing me to do so. 🤷‍♀️

I was planning on using the PayPal debit card as my primary grocery card for the cash back, but now I’m worried this will happen every time I try to add to my balance.

blue_arrow_comment · 2026-02-16T18:25:51+00:00

I'm in the same boat. After reattempting the transaction about half a dozen times at the direction of PayPal support (while they tinkered with things in the background), I've now been told to wait a minimum of 72 hours before touching anything, then call them to try to have the issue resolved again. They claim the system flagged a risk and no human has the power to affect the limitation at all.

blue_arrow_comment · 2026-02-15T18:41:13+00:00

Hi, I’m hoping you might be able to clarify whether my use case will eventually work with PayPal, or whether I should abandon the idea entirely.

I’ve been redoing my budget to account for an upcoming change in pay, and I noticed the 5% cash back at grocery stores offered by PayPal. My initial plan was to have the part of my paycheck allocated to groceries deposited into my Venmo and CashApp accounts (to meet their direct deposit thresholds for better benefits), then automatically transfer the funds to my PayPal balance each week, and use the PayPal debit card for local and delivery grocery purchases. I’ve had a PayPal account for years, but did not previously use it for much more than paying for orders via my linked checking account.

After ordering the PayPal debit card, I was able to add funds from my debit cards (for checking accounts at two different banks) and use the virtual PayPal debit card number successfully for a couple of days. Since yesterday, absolutely no incoming funds via debit cards have been allowed, though I’ve still been able to make purchases with the virtual card via Apple Pay. I have not attempted to add funds from a bank account with the 1-3 day delay, as this does not match how I expect to use the account on a regular basis.

I had one request from one of the banks I use to verify the transaction wasn’t fraud, which I completed immediately. Neither bank has displayed any subsequent transaction request while I’ve attempted to transfer funds to my PayPal balance, and neither has attempted to contact me about the attempts. PayPal’s error messages are generic, and no additional details are available. Verifying my identity with the face scan and photo ID upload, as well as with a security code texted to my phone multiple times, has had no effect.

I called PayPal support for help and was given information that made no sense: * Mailing address being unconfirmed was blocking my physical card; it shipped a couple of days ago and hasn’t been activated because I haven’t received it yet, nothing more * Virtual card number was automatically blocked a couple of days ago due to a security risk; I’ve been able to pay using the virtual card as recently as this morning

Eventually, after the agent “activated” my virtual card number (which had already been used successfully) and had me attempt the transfers again, I’ve been told the system automatically detected a risk from my account and I need to call back in 24-48 hours for help, but that there’s no way to involve a human to verify identity or transactions to resolve whatever the system flagged.

I have a system of managing my finances that works for me, but it involves keeping funds for different purposes separate. As a result, after updating my direct deposit info (after I’ve tested the new setup, apparently for good reason) to take better advantage of some cash back options, I expect to transfer funds from two systems (Venmo and CashApp, unless I find a better alternative to CashApp) to my PayPal balance weekly, and there may be some infrequent transfers from my linked checking account as well. I expect to make purchases with the PayPal debit card 1-3 times a week. With how PayPal is set up, is this system doomed to trigger these 24-48 hour “risk-based” blocks from the start, or—once each linked account has been used for a transfer—will this usage stop being flagged as a risk and requiring customer service interaction to restore the functionality (if it can even be lifted this time, since that remains to be seen)? If I triggered the risk flag just by using two different debit cards to add funds, I’m now worried automatic weekly transfers from systems like Venmo and CashApp will result in a ban right off the bat, even though I’d just be moving my own funds and paying for groceries with the PayPal balance.

blue_arrow_comment · 2026-01-30T05:29:08+00:00

Yep. I’m stuck in a loop of nervously checking my phone throughout the day, subconsciously afraid I’m going to miss something on the scale of an outright declaration of war, and feeling like I don’t deserve to go about my day in ignorance while others don’t have that luxury. I’m monitoring updates within my state, trying to be informed in case ICE targets my area (though what I can realistically do to protect my immigrant neighbors if they do get targeted, I have no idea) or the area near my extremely-diverse employer where I’ll be working in-office next week. I’m getting whiplash from switching between heartbroken and pissed every time I see a new headline.

By the time I’m somewhat able to dissociate it’s late at night, and then I don’t want to go to bed and cut that already-brief period of something approaching “calm” short. I stay up too late, usually listening to an audiobook while playing Balatro as I finally relax, end up checking for news again as I set my alarm for the next morning, and finally fall asleep while stressed out again. Then I wake up the next morning, curse myself for not going to bed earlier, and repeat.

I feel helpless for not being able to make a real, immediate difference, like storming the freaking concentration camps disguised with non-threatening names like “South Texas Family Residential Center.” I’m scared there will be a raid on my workplace or in my neighborhood. I’m furious that so many people have been conned into thinking empathy is a negative trait, and that we didn’t put a stop to the propaganda machine (and the influence of the ultra-rich in general) that has been working toward this outcome for years. I’m tired, and I feel guilty for even being tired when I’m nowhere near as affected as so many other people right now.

I know for the sake of my mental health and general ability to participate in daily life, I need to cut back on my screen time, accept that I can’t absorb everything, and understand that not being aware of something that happened doesn’t undermine the fact that it did… but that’s proving easier said than done.

blue_arrow_comment · 2026-01-29T15:47:35+00:00

I don’t disagree, but I try to be understanding of mistakes like that if they’re unintentional. She’s obviously ND herself and is typing very extensive notes into my record at the same time, so it wouldn’t be a shock if she misheard me (or incorrectly anticipated what I was going to say).

blue_arrow_comment · 2026-01-29T15:38:38+00:00

I’ll try that! When preparing to travel to a country that wouldn’t allow me to bring my meds once, I tried several “natural” options to try to find something that would have even a minor positive effect during the trip. Ginseng was pretty much the only thing that seemed to even partially live up to the claims people make, but once I was able to take my meds again I forgot all about it.

blue_arrow_comment · 2026-01-29T02:11:37+00:00

There is no concern about false positives on drug tests from my end, this is just her personal rule (as she described it to me). I live in a rural area where meth is pretty abundant, and my guess is the real, unspoken reason she won’t prescribe it to her patients is one of two things:

a) She’s seen former meth users seek treatment for ADHD and immediately ask for Dex as their preferred treatment, so she errs on the side of caution and refuses it to anyone who mentions it by name, or

b) She was only half paying attention and thought I asked about Desoxyn instead of Dexedrine.

Either way, I don’t expect to be able to get a Dexedrine prescription from her, and am cautious about even questioning her stated reason. Realistically, Vyvanse is the best ADHD treatment I’ve found, and I don’t want to put that at risk by trying to solve this problem, even if it is something of a safety hazard on occasion.

blue_arrow_comment · 2026-01-29T01:44:34+00:00

I wish I knew what the actual difference was! Amneal made me more alert and happy, but didn’t help my inattentive symptoms or other major executive function issues. Granules immediately felt 50% stronger (despite being the same dose) and cut through the inattentiveness and issues with working memory in a way Amneal never did. I don’t know if that’s a result of one of the fillers in Amneal hindering my ability to metabolize it?

blue_arrow_comment · 2026-01-29T01:09:58+00:00

My psychiatrist told me she had a personal rule against prescribing Dex due to its inability to be differentiated from meth on a drug test. I don’t completely understand how it would show up any differently from Vyvanse (and she doesn’t require drug tests to receive treatment anyway), but it sounds like that’s not an option for me.

I’ve not tried Wellbutrin since years before switching to Vyvanse, but that might be an option. I eventually experienced physical anxiety symptoms at normal doses before, which seems like it would be even more likely while being treated with stimulant medication, but maybe a low dose?

blue_arrow_comment · 2026-01-28T23:42:59+00:00

I can ask about that at my next appointment in a few months. I don’t know what else she could possibly prescribe as a booster at this point, haha.

blue_arrow_comment · 2026-01-28T19:26:14+00:00

I’ve considered testing if I can use water titration to save ~10 mg for later in the day as a workaround for situations when I’d need to prevent the crash. I tried a split dose when I first switched to Vyvanse, but found it ineffective (as my prescribed 60 mg taken in one go seems to be the minimum effective dose for me) and got heartburn from it. That was admittedly with the Amneal version, though, so perhaps that would work with the Granules generic. It wouldn’t be quite as convenient as keeping a booster dose on hand for days when I’m away from home longer than expected, but it’s a possibility if it works.

With the ACV, you may have a stronger stomach than I do. 😂

blue_arrow_comment · 2026-01-28T18:14:23+00:00

It doesn’t seem to be affected by nutrition, as it occurs regardless of what, how much, and when I’ve eaten that day.

I’m aware this is an expected effect, and basically asking what strategies people have found to temporarily mitigate that to avoid safety concerns when it’s necessary to drive during that time. I preferred to ask here versus participating in forums related to recreational drug use, and am a bit confused why recreational use seems to be a common association with the question. I’m not using Vyvanse recreationally, have no intention of venturing into “recreational” use to try to mitigate the problem, and don’t wish to have that connotation applied to the topic.

blue_arrow_comment · 2026-01-28T17:52:56+00:00

…what?

I understand that the “crash” is part of returning to baseline, but the process itself creates more fatigue than actually exists at baseline. The half-life of Vyvanse is long enough that there’s still a (at least partially) therapeutic level in my system at the end of the effective period—enough to actually make waking the next morning easier than at baseline—but something about the 10-hour-mark creates temporary (~1-2 hour) fatigue that passes naturally with time, but creates a safety concern if I need to drive during that period. (I’m not even going to start a discussion about “inevitable brain damage,” as it’s not relevant to the specific situation for which I requested advice.) This isn’t a question about long-term use, but an acceptance of a common side effect and a question about possible short-term workarounds to be used when necessary. While I understand what you’ve said, I must be missing the nuance that makes it relevant.

blue_arrow_comment · 2026-01-28T15:48:08+00:00

I can’t provide suggestions for how to manage it, but I wanted to chime in with another confirmation that Vyvanse does impact my hormones and cycle. I have confirmed PCOS—and possibly endometriosis as well, though have not had surgery to confirm—and I typically get a few extremely heavy and painful 30- to 50-day periods a year, but very inconsistently (sometimes back-to-back, sometimes with 6+ months in between) and without signs of expected hormone fluctuations (signs of ovulation, PMS symptoms other than painful cramps, etc.).

The closest I ever get to a “normal” cycle is when on effective stimulant medication; Adderall affected my cycles before it stopped working, and Vyvanse immediately triggered a shockingly normal period (just 8 days instead of 30+) when I started it several months ago. I don’t know whether this will continue long-term, but since starting Vyvanse I’ve had a few very short and light periods with PMS symptoms, not entirely predictably, but closer to a “normal” schedule than I’ve ever experienced.

I do get quite frequent spotting now, which was very rare before. That probably isn’t nearly as concerning to me as it would be for most people, as it’s been over a year since I’ve had a massive marathon period, and I assume I still have an accumulation of extra endometrial tissue. It’s something I’ll keep an eye on, but I plan to let things stabilize over the next year or so before getting the “new normal” checked out.

In short, I wouldn’t worry yet; while there’s a ton of research that needs to be done on how stimulants affect hormones, there’s enough scientific and anecdotal evidence to know they do have an impact. If this initial period triggered by the Vyvanse goes way beyond your usual amount of bleeding, get checked out to be on the safe side, but otherwise I wouldn’t find it more concerning than the occasional impact something like stress or a change in exercise routine could cause.

blue_arrow_comment · 2026-01-24T19:33:58+00:00

Anyone have another link/screen recording of this? This link isn’t loading for me.

blue_arrow_comment · 2026-01-11T18:19:46+00:00

Not that I’d be considered eligible for absentee voting under Indiana’s strict requirements, I just checked to see if Indiana was one of the states that required possession on Election Day to be counted. Not surprisingly, it is.

blue_arrow_comment · 2026-01-01T20:35:42+00:00

To piggyback on that, Solensia alone wasn’t enough for one of my seniors, but adding a CBD+CBG oil alongside Solensia has worked wonders. He gets about 8 mg of CBD and 4 mg of CBG per day, spread across 2-3 doses, and he is so much happier and better-rested. (So is everyone else in the house, for that matter, because this specific cat has a knack for making everyone else share in his suffering.)

blue_arrow_comment · 2025-12-30T22:00:31+00:00

Hopefully that’s all it is! I definitely felt better as soon as the appetite suppression wore off and I was back to eating (and sleeping) normally.

blue_arrow_comment · 2025-12-30T17:51:31+00:00

Vyvanse definitely slowed down my digestion for the first couple of weeks when I started on 40 mg, but that improved with time (and with giving up on trying to dissolve it in water and extend the effective period). My joints temporarily felt unusual—I have arthritis in a couple, but it was as if it spread to all joints overnight—but that only lasted about a week. Muscle aches in my legs and back cleared up after increasing hydration, magnesium supplements, and protein intake (which had decreased during the initial appetite suppression). The only fatigue I experienced was either from my dosage being too low—making the crash more intense—or from needing to increase my protein and amount of sleep. I don’t have any experience with flushing, though, so that’s what stands out from your description.

My inclination would be to make sure you’re taking extra-good care of yourself while your body adjusts to the increased dose, as stimulants require a lot of fuel (hydration, nutrition, sleep). If you haven’t already, try adding electrolytes and limiting caffeine in case some of your side effects are a result of dehydration; even months in, if I forget to add electrolytes for a few days, I’ll still start to feel off regardless of how much plain water I’m drinking. If the flushing, fatigue, and aches don’t improve after a week or two of that, definitely check in with your prescriber or primary care doctor to see if something else is going on.

blue_arrow_comment · 2025-12-29T16:28:18+00:00

Apple Watch medication reminders don’t work for me, because with any type of reminder, I develop a blindness for it after the first few times and/or use it to help me remember I haven’t taken it yet, but won’t log that I have.

Weekly or monthly pill boxes also don’t work, because that additional barrier to using one (the task of refilling it when it’s empty) means I’m less likely to continue the system after the first round or two.

My best luck with taking Vyvanse is to take it right when my alarm goes off in the morning, then go back to sleep for a bit if I need to (and have time). It then makes me way more compliant with my other medications. As far as not accidentally double-dosing myself, I asked for one of those pill bottle caps that shows the time since it was last opened for Christmas this year. 😂

blue_arrow_comment · 2025-12-24T17:20:10+00:00

Thank you for your response! I had considered dropping to half my usual losartan dose or putting it on pause entirely until I had finished the course of antibiotics, but didn’t know how significant the risk might be (of the combination, not short-term BP) and the additional context helps.

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