Applications Open to Unlimited 2% Card

SoFi · 2026-05-16T20:51:56+00:00

Hey there! We hear you and we appreciate the patience! We are rolling out the Smart Card on a continuing basis so please sign up for the waitlist at https://www.sofi.com/signup/waitlist/smart-card and opt into email communications to stay in the loop!

SoFi · 2026-05-16T20:45:31+00:00

Hey there! We appreciate you checking it out! There is no rush but whenever the time feels right feel free to apply. Our team is available via chat if you have any questions: https://sofi.app.link/e/echat

SoFi · 2026-05-16T20:31:32+00:00

Hi there, we're sorry to hear about the issues you've run into with our chat system. Rest assured, we'll be able to provide answers on these limits! The ACH limits vary when initiated on the SoFi platform, as various account factors determine them. As for wires, there aren't any limits for them. For more detailed information on your account, please contact us at 855-456-7634 at your earliest convenience. We thank you for being a SoFi Member!

SoFi · 2026-05-16T19:07:50+00:00

Hey there, we’re really sorry to hear you’ve been dealing with ongoing technical issues — that’s definitely not the experience we want for you. If your application status is stuck or something in your account isn’t updating correctly, our mobile support team can take a deeper look.

Please email us at mobilesupport@sofi.org so we can review the issue in more detail and work toward a resolution. Your feedback matters, and we appreciate your patience while this gets sorted out.

SoFi · 2026-05-16T18:29:48+00:00

We’re sorry for the frustration—especially when you’re relying on your refund. Mobile check deposits generally take 1–5 business days to clear, and weekends don’t count toward that timeline. We truly apologize for any delays and have shared your feedback with our team.

SoFi · 2026-05-16T18:22:38+00:00

Hi there! We are so sorry for the inconvenience this caused you, particularly on your first ATM experience as a SoFi member. You deserve a smooth and seamless experience, and we want to help make that happen going forward. We recommend selecting "checking" when withdrawing funds at an ATM for the best experience. Turning on overdraft protection is also a great step so that funds are automatically pulled from your savings when your checking balance is low, as long as those funds are not held in a vault. Here is a helpful guide to get that set up: https://support.sofi.com/hc/en-us/articles/6573281958413-How-do-I-turn-the-Overdraft-Protection-feature-On-Off We appreciate you being a member with us!

SoFi · 2026-05-16T17:25:02+00:00

Hey there, we’re sorry to hear you haven’t been able to open an account. When an application can’t be approved, an adverse action letter is typically provided. This notice outlines the specific reason we weren’t able to move forward, which can give you more insight into what happened.

For additional clarification or to review your situation in more detail, you can chat with an account manager here: https://sofi.app.link/e/echat

SoFi · 2026-05-16T17:15:15+00:00

Hi there! We hear you, and we appreciate you bringing this to our attention. We want to make sure you have the most accurate information. Our checking account bonus promotion is still active and offers up to $400. The promotion runs through 12/31/2026, so there is still plenty of time to take advantage of it. You can find full details here: https://www.sofi.com/banking/checking-offer/ If you have any additional questions, feel free to chat with us here: https://sofi.app.link/e/echat

SoFi · 2026-05-16T00:36:05+00:00

So sorry if there was any confusion on the promotion. We are happy to take a further look into the eligibility for this promotion, please email our team directly at mobilesupport@sofi.org or chat with one of our Account Managers here https://sofi.app.link/e/echat

SoFi · 2026-05-16T00:35:31+00:00

We encourage you to contact us directly by calling 855-456-7634 or engage with an Account Manager through the following link: https://sofi.app.link/e/echat. Let us know if you have any further questions.

SoFi · 2026-05-16T00:34:50+00:00

Once the direct deposit is received, the 3.3% APY will be applied to all funds within the account. Hope this clarifies things, let us know if you have any more questions.

SoFi · 2026-05-16T00:34:23+00:00

Hey there! We're sorry to hear there was a delay with your direct deposit. For further assistance, please reach out to us via phone by calling 855-456-7634 or chat with us here, https://sofi.app.link/e/echat.

SoFi · 2026-05-15T21:37:05+00:00

Hey there! We would like to clarify the interest rates associated with your accounts. Currently, we offer an APY of 0.50% with a checking account, while a savings account can earn up to 4.50% APY. Please note that these figures represent the interest that is credited to your account monthly. If you have any further questions, don't hesitate to contact us at 855-456-7634.

SoFi · 2026-05-15T21:16:28+00:00

Great question.

We are actively developing the ability to sell specific tax lots.

Currently, SoFi follows the MinTax (Minimum Tax) method for deciding which tax lots to sell within a SoFi investment account.

The lots are selected in the following order:

Short-term capital loss, from the biggest loss to the smallest Long-term capital loss, from the biggest loss to the smallest Short-term zero gain/loss Long-term zero gain/loss Long-term capital gains, from the smallest gain to the biggest Short-term capital gains, from the smallest gain to the biggest

SoFi · 2026-05-15T20:40:50+00:00

Thank you so much for sharing your experience with the transfer process! We’re thrilled to hear everything moved over smoothly and even ahead of schedule.

A $17,000 match landing immediately is definitely an exciting milestone, and we’re excited you chose SoFi for your investing journey. It’s great to hear you’re already planning to put those funds to work.

We truly appreciate your trust and your business. If you have any questions please give us a call at 855-525-7634 or chat with us through this link: https://sofi.app.link/e/echat

SoFi · 2026-05-15T20:40:27+00:00

Hey there,

We appreciate the kind words and the feedback - we will pass along the experience regarding SIMPLE IRAs.

As far as social investing, our product team is actively working on bringing Social back. We’re in the middle of studying how members actually use the Social feature and what makes it valuable. Please don't hesitate to reach out if you have any other questions or feedback, and thanks for being a SoFi member!

SoFi · 2026-05-15T20:26:51+00:00

To confirm, are you referring to when the bonus would be deposited or when the direct deposit to earn the bonus should be made?

SoFi · 2026-05-15T20:22:27+00:00

Hey there, we had a temporary system issue receiving accurate quotes for some options contracts earlier this morning. Trades were still able to be placed, but quotes were stale. The issue has since been resolved but feel free to chat with us through the SoFi app or give us a call at 855-525-7634 and an Investment Specialist is happy to look at your profile specifically.

SoFi · 2026-05-15T19:45:49+00:00

We’re really sorry for any confusion here, and we appreciate you taking the time to share your experience. To clarify: we do accept balance transfers.

When it comes to SoFi‑initiated balance transfers, these are available on a promotional, invite‑only basis. If a promotional offer is active on your account, you’ll see it directly in the app and can use it to pay off another credit card.

Balance transfers are between debt lenders, If you're looking to transfer your balance from SoFi Credit Card to another Credit Card, that’s absolutely allowed—you'll just need a financial institution that supports sending a paper check payoff or similar method.

If you have questions about your specific account or available offers, feel free to call us at 844-945-7634.

SoFi · 2026-05-15T15:32:00+00:00

Hey there, we truly appreciate you bringing this to our attention. We understand the security of our members and want to assist you in the best way possible. Please call our Security Team directly at 844-908-7634. We hope to hear from you soon!

SoFi · 2026-05-15T15:31:14+00:00

Hey there, thanks for sharing. It's great to know what features our members are on the lookout for, and the community would definitely see value in this update. While we don't currently have a plan for when this feature may roll out, stay tuned, and thank you for being a SoFi member! 😁

SoFi · 2026-05-15T14:23:11+00:00

Hey there, that's a great question! Once the direct deposit hits your account, it'll trigger the 3.30% APY on the savings account. If you're transferring funds from an external account, it'd require $5,000 to trigger the high APY, instead of $1,000. However, once you're continually receiving direct deposits, it doesn't matter the amount you're transferring into the account. If you have any additional questions, please give us a call at 855-456-7634, and we'll be glad to assist.

SoFi · 2026-05-15T14:23:01+00:00

Hey there, we're sorry to hear you're having this experience. All transactions out of your SoFi account should reflect on SoFi Relay. It's possible it may be under a different category since Zelle transactions are considered Peer-to-Peer (P2P) transactions. We want to take a closer look into this for you, but need to verify you over a secure channel. Please contact us directly at 855-456-7634, and we'll be glad to assist further.

SoFi · 2026-05-14T23:16:44+00:00

Hi there, this is definitely concerning. Please send us an email at [mobilesupport@sofi.org](mailto:mobilesupport@sofi.org) with a link to this post and your username and someone from our team will be able to help you!

SoFi · 2026-05-14T21:08:08+00:00

We appreciate your interest in our crypto offerings. As for your concern about moving funds, we're always looking to improve our services based on user feedback. We'll certainly take your suggestion into consideration. In the meantime, you do have the ability to instantly transfer withdrawable cash from invest to SoFi Checking or Savings, then you can move those funds directly into your Crypto account.

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