SoFi Bank Near Me

SoFi Bank, N.A. is the banking subsidiary of SoFi Technologies, Inc. (NASDAQ: SOFI), the San Francisco-based fintech that started in 2011 as a student-loan-refinancing platform and has since grown into a one-app financial-services company spanning banking, lending, investing, and credit cards. SoFi became a full US national bank on February 2, 2022, when it completed the acquisition of Golden Pacific Bancorp in Sacramento and converted it into SoFi Bank, N.A., regulated by the Office of the Comptroller of the Currency (OCC). SoFi’s flagship deposit product is SoFi Checking and Savings, a single unified account that pays up to 3.10% APY on savings with eligible direct deposit (and up to 4.50% APY for SoFi Plus members on the first $20,000), with no monthly fees, no minimum balance, and free access to the 55,000+ Allpoint ATM network. SoFi Bank was named NerdWallet’s Best Overall Bank of 2026. SoFi is headquartered at 234 First Street, San Francisco, California, and the company is led by CEO Anthony Noto, the former Twitter and NFL CFO who has run SoFi since 2018.

Map of SoFi Bank locations near me

Use the map below to find SoFi offices near you. SoFi Bank does NOT operate retail bank branches: it is a mobile-first, online-only national bank, with banking handled through sofi.com and the SoFi mobile app. The map shows the locations of SoFi corporate offices for reference; these are not customer-facing branches. The closest SoFi presence to your physical location is one of the 55,000+ fee-free Allpoint ATMs (often inside Target, CVS, Walgreens, Speedway, 7-Eleven, and Circle K). You can click ‘Use my location‘ to see Allpoint ATM locations around you on the map.

SoFi Bank at a glance

• Official name: SoFi Bank, N.A. (a national bank chartered by the OCC, Member FDIC)
• Parent company: SoFi Technologies, Inc. (NASDAQ: SOFI)
• National bank charter received: February 2, 2022 (via acquisition of Golden Pacific Bancorp)
• SoFi Technologies founded: 2011 by Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady at Stanford as a student-loan-refinancing startup
• Public listing: January 2021 via SPAC merger (NASDAQ: SOFI)
• CEO: Anthony Noto (former Twitter CFO and NFL CFO, leading SoFi since 2018)
• Headquarters: 234 First Street, San Francisco, California 94105
• Retail branches: none (mobile-first online bank)
• SoFi Checking and Savings APY: up to 3.10% APY on Savings + 0.50% APY on Checking with eligible direct deposit (variable, may change); up to 4.50% APY for SoFi Plus members on the first $20,000 in Savings
• SoFi Plus subscription: $10 per month for higher APY tier and additional perks
• Fee-free ATM network: 55,000+ Allpoint ATMs across the US, plus partner networks in Canada, Mexico, Puerto Rico, the UK, and Australia
• Distinctive feature: two-day early paycheck access with direct deposit, plus FDIC insurance up to $2 million via partner-bank sweep program (vs the standard $250,000 per bank)
• Active 2026 products: SoFi Checking and Savings, SoFi Credit Card, SoFi Personal Loans, SoFi Home Loans (mortgages and refis), SoFi Auto Loan Refi, SoFi Student Loan Refinance and Private Student Loans, SoFi Invest (brokerage and robo-advisor), SoFi Credit Score Monitoring
• Recognition: Best Overall Bank 2026 by NerdWallet

SoFi Bank branch near me

SoFi Bank has no retail branches anywhere in the United States. It is, and was designed to be, a mobile-first online national bank. All banking, lending, and investing services are handled through sofi.com or the SoFi mobile app, and customer service runs through phone lines (multiple, by product), in-app chat, and email.

SoFi corporate offices (for reference)

SoFi Technologies’ corporate offices are at 234 First Street, San Francisco, California 94105, in the South of Market (SoMa) district. SoFi also has operations and engineering offices in Healdsburg (California), Helena (Montana), Frisco (Texas), Salt Lake City (Utah), Jacksonville (Florida), and several international locations. None of these are customer-facing SoFi Bank branches.

Naming sponsor: SoFi Stadium in Los Angeles

SoFi is also known to many non-customers as the naming sponsor of SoFi Stadium in Inglewood, California, the $5 billion home of the Los Angeles Rams and Los Angeles Chargers NFL teams. The stadium opened in 2020; SoFi secured the naming rights in September 2019 in a multi-decade agreement. SoFi Stadium also hosts Super Bowl LVI (2022), Super Bowl LXI (2027), the 2026 FIFA World Cup matches, and the 2028 Summer Olympics. The stadium is in Inglewood, not at SoFi’s San Francisco corporate headquarters.

Why SoFi stays mobile-first online

SoFi was built around the cost advantage of running a fully digital bank with no retail branches: the savings on rent, tellers, and physical infrastructure flow back to customers as higher APYs, no monthly fees, no minimum balances, and early-paycheck access. The mobile-first model also lets SoFi cross-sell across the same app: a SoFi customer can hold a SoFi Checking and Savings account, a SoFi Credit Card, a SoFi Mortgage, a SoFi Student Loan Refi, and SoFi Invest brokerage accounts, all linked under one login.

SoFi Bank ATM near me

Use the SoFi Bank ATM finder to find the closest fee-free Allpoint ATM machine around you. SoFi Checking and Savings members have free access to the Allpoint Network, which spans 55,000+ ATMs across the United States plus partner ATMs in Canada, Mexico, Puerto Rico, the United Kingdom, and Australia.

Where to find SoFi-network ATMs

Allpoint ATMs are commonly located at major US retail and convenience-store chains:

• Target (inside most stores)
• CVS Pharmacy
• Walgreens
• Speedway
• 7-Eleven
• Circle K
• Select Costco warehouses
• Many credit-union branches and convenience locations

Use the official SoFi ATM locator in the SoFi mobile app or the Allpoint locator at allpointnetwork.com to find one near you. Most Allpoint ATMs are accessible 24/7 or during the host store’s hours.

SoFi debit card and ATM fees

SoFi Checking and Savings members get a SoFi Visa debit card issued by SoFi Bank. The card works at any ATM with the Visa logo (essentially every ATM globally), but:

• Allpoint ATMs: SoFi charges no fee, and the ATM operator also does not charge a surcharge. Free.
• Out-of-network ATMs: SoFi does NOT rebate out-of-network ATM fees on the standard SoFi Checking and Savings account. The ATM operator’s surcharge is your responsibility.
• Foreign ATMs: SoFi does not charge a foreign-transaction fee on debit card purchases, but Allpoint partner ATMs abroad may have specific terms; check the SoFi mobile app for current terms.

SoFi Checking and Savings, SoFi Plus, and other SoFi accounts

SoFi Checking and Savings (the flagship)

SoFi’s unified checking-plus-savings account, designed to consolidate everyday banking into a single product. With eligible direct deposit, the savings portion earns up to 3.10% APY (variable, may change); checking earns 0.50% APY. Without direct deposit, the savings APY drops to a lower rate. Distinctive features:

• No monthly fees, no minimum balance, no overdraft fees
• Up to two-day early paycheck access with direct deposit (the paycheck is credited to your SoFi account up to 2 days before the official ACH posting date)
• Vaults: subaccounts that let you organize savings into goal-based buckets (vacation, house down payment, emergency fund, etc.) while keeping all funds in one FDIC-insured account
• Round-Ups: automatic round-up of debit card transactions to the nearest dollar with the difference moved to a Vault
• FDIC insurance up to $250,000 per depositor, per insured bank; plus the SoFi Insured Deposit Program sweeps deposits across partner banks to provide FDIC coverage up to $2 million on combined SoFi balances
• Zelle, mobile check deposit, online and mobile bill pay, external account links
• SoFi Visa debit card with EMV chip and tap-to-pay; Apple Pay and Google Pay supported

SoFi Plus subscription ($10 per month)

SoFi Plus is a paid membership that unlocks the highest APY tier and additional perks. SoFi Plus members earn up to 4.50% APY on the first $20,000 in SoFi Savings and 3.10% APY on Savings balances above $20,000. Other SoFi Plus benefits include relationship discounts on SoFi personal loans, mortgages, and student-loan refinancing; cashback boosts on the SoFi Credit Card; and priority customer service. The subscription is $10 per month and can be canceled at any time.

SoFi Credit Card

SoFi’s general-purpose Mastercard, offering 2% cash back on all purchases when redeemed into a SoFi Checking and Savings account, paid down on a SoFi loan, or invested in SoFi Invest. The card has no annual fee.

SoFi Personal Loans

Fixed-rate, unsecured personal loans of $5,000 to $100,000 with terms from 2 to 7 years. No origination fees, no late fees, no prepayment penalties. Funding is typically same-day for approved applicants. SoFi is one of the largest US online personal-loan lenders.

SoFi Home Loans (mortgages)

Conventional, jumbo, FHA, VA, and refinance mortgages, plus home-equity lines of credit (HELOCs). SoFi Plus members get a relationship-based rate discount.

SoFi Student Loan Refinancing and Private Student Loans

SoFi started as a student-loan-refinancing platform in 2011 and remains one of the largest US student-loan refinance lenders. The product refinances federal and private student loans into a single new SoFi loan at a fixed or variable rate. SoFi also offers in-school private student loans for current undergraduate and graduate students.

SoFi Auto Loan Refinancing

Auto loan refinancing for existing car loans; SoFi does not currently offer direct purchase financing.

SoFi Invest

SoFi’s brokerage and robo-advisor platform, with $0-commission stock and ETF trading, fractional shares, automated portfolio investing, crypto trading (in select states), and IRA accounts (traditional, Roth, SEP). SoFi Invest is a separate legal entity (SoFi Securities LLC) from SoFi Bank.

SoFi Credit Score Monitoring

Free credit score monitoring and FICO score tracking inside the SoFi app, available to all SoFi members.

SoFi Bank hours, customer service hours, and open now

SoFi operates online only; traditional branch hours do not apply. The relevant hours are by product, since SoFi runs separate customer-service teams for banking, credit cards, home loans, and investing.

The SoFi mobile app and in-app chat are available 24/7 every day of the year, including federal holidays. ACH transfers do not process on federal holidays because the Federal Reserve’s ACH network is closed; transfers scheduled for a holiday post the next business day.

Federal holidays:

• New Year’s Day (January 1)
• Martin Luther King Jr. Day (third Monday of January)
• Presidents Day (third Monday of February)
• Memorial Day (last Monday of May)
• Juneteenth National Independence Day (June 19)
• Independence Day (July 4)
• Labor Day (first Monday of September)
• Columbus Day (second Monday of October)
• Veterans Day (November 11)
• Thanksgiving Day (fourth Thursday of November)
• Christmas Day (December 25)

Is SoFi Bank open now near me? The SoFi mobile app and in-app chat are always available. The SoFi Credit Card phone line is staffed 24/7. The SoFi Checking and Savings phone line has the broadest banking hours (5 AM PT to 7 PM PT weekdays). There are no SoFi retail branches to check.

Contact SoFi Bank: customer service phone numbers

• SoFi Checking, Savings, Personal Loans, and Student Loan Refinancing: 1-855-456-7634 (Monday to Thursday 5:00 AM to 7:00 PM PT; Friday to Sunday 5:00 AM to 5:00 PM PT)
• SoFi Credit Card: 1-844-945-7634 (24 hours a day, 7 days a week)
• SoFi Home Loans (mortgages and refis): 1-844-763-4466 (Monday to Friday 6:00 AM to 3:00 PM PT)
• SoFi Invest (brokerage and robo-advisor): 1-855-525-7634 (Monday to Friday 5:00 AM to 5:00 PM PT)
• SoFi @ Work (employer benefit programs): 1-833-277-7634 (Monday to Thursday 5:00 AM to 7:00 PM PT; Friday to Sunday 5:00 AM to 5:00 PM PT)
• SoFi in-app chat: 24/7 for general questions, available inside the SoFi mobile app or at sofi.com after login

For most everyday banking questions (account balances, transfers, debit card issues, ACH transfer problems), use the SoFi mobile app first; many issues can be resolved in chat without a phone call. The 24/7 SoFi Credit Card line handles lost or stolen credit cards, disputed charges, and credit limit changes.

About SoFi Bank: history and the path to a national bank charter

Origin: student loans at Stanford (2011)

SoFi was founded in 2011 by Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady, all students at the Stanford Graduate School of Business. The original SoFi product was a student-loan-refinancing platform that connected alumni investors with current students seeking lower-rate refinance loans. The “Social Finance” idea (the source of the “SoFi” name) was to use alumni networks to underwrite better loan rates than commercial lenders could offer.

Expansion into broader fintech (2013 to 2019)

SoFi expanded out of student loans into personal loans (2015), mortgages (2014), wealth management (2018), and SoFi Invest (2019). The company also acquired Zenbanx (2017) to launch SoFi Money, an early checking-account product that pre-dated the national bank charter. Mike Cagney was replaced as CEO in 2017; Anthony Noto, the former Twitter and NFL CFO, became CEO in 2018 and remains in that role.

The SPAC IPO (January 2021)

In January 2021, SoFi went public via a SPAC merger with Social Capital Hedosophia Holdings Corp V, becoming SoFi Technologies, Inc. (NASDAQ: SOFI). The merger valued SoFi at approximately $8.65 billion.

The Golden Pacific Bancorp acquisition and the national bank charter (2022)

Rather than apply for a new national bank charter from scratch, SoFi chose to acquire a small existing bank: Golden Pacific Bancorp, a community bank in Sacramento, California, with approximately $150 million in assets and a small branch network. SoFi announced the acquisition in March 2021 and received regulatory approvals from the Office of the Comptroller of the Currency (OCC) and the Federal Reserve in January 2022. The acquisition closed on February 2, 2022, at which point Golden Pacific Bank was rebranded as SoFi Bank, N.A.. SoFi instantly became a fully chartered US national bank, regulated by the OCC and the FDIC.

After the charter: faster growth and bank-level economics (2022 to 2026)

The national bank charter allowed SoFi to hold customer deposits directly (rather than relying on partner banks) and to lend at lower funding costs. The result was rapid growth in SoFi Checking and Savings, expansion of the credit card and personal loan products, and improved unit economics. SoFi posted its first quarter of GAAP profitability in late 2023. By 2026, SoFi Bank was named NerdWallet’s Best Overall Bank of 2026, recognizing the combination of competitive APY, no fees, the unified product app, and the FDIC sweep program.

Frequently asked questions

Where is the Nearest SoFi Bank Branch Near Me?

SoFi Bank has no retail branches anywhere in the United States. It is a mobile-first online national bank with banking handled through sofi.com, the SoFi mobile app, and product-specific phone lines (the main banking line is 1-855-456-7634). SoFi corporate offices exist in San Francisco (234 First Street, the headquarters), Healdsburg, Helena Montana, Frisco Texas, Salt Lake City, and Jacksonville, but these are not customer-facing bank branches.

How to Find the Closest SoFi Bank ATM Around Your Location

Use the SoFi mobile app’s ATM locator or the Allpoint locator at allpointnetwork.com to find a fee-free ATM machine around you. SoFi Checking and Savings members get access to 55,000+ Allpoint ATMs across the United States, commonly inside Target, CVS, Walgreens, Speedway, 7-Eleven, and Circle K stores. Allpoint also covers Canada, Mexico, Puerto Rico, the UK, and Australia.

Use the Map to See Locations of SoFi Bank Around You

The map on this page shows the SoFi Allpoint ATM network near your location. Because SoFi has no retail branches, the Allpoint ATM map is the practical equivalent of a “SoFi Bank near me” search. SoFi’s San Francisco corporate headquarters at 234 First Street is also visible on the map but is not a customer-facing branch.

Does SoFi Bank have a debit card?

Yes. SoFi Checking and Savings members get a SoFi Visa debit card issued by SoFi Bank. The card works at any Visa-accepting ATM or merchant and is supported by Apple Pay and Google Pay. ATM withdrawals are fee-free at any Allpoint network ATM; out-of-network ATM surcharges are not rebated.

Does SoFi Bank have a checking account?

Yes. SoFi offers SoFi Checking and Savings, a single unified account that includes both checking and savings functionality. Checking earns 0.50% APY; savings earns up to 3.10% APY with eligible direct deposit (or up to 4.50% APY for SoFi Plus subscribers on the first $20,000). There are no monthly fees, no minimum balance, and no overdraft fees.

Is SoFi Bank still accepting new accounts in 2026?

Yes. SoFi Checking and Savings, the SoFi Credit Card, SoFi Personal Loans, SoFi Home Loans, SoFi Student Loan Refi, SoFi Auto Loan Refi, and SoFi Invest are all open to new applicants in 2026. Applications are completed entirely online at sofi.com or in the SoFi mobile app and typically take a few minutes to a few days depending on the product.

What is the SoFi Bank customer service phone number?

The main SoFi Checking, Savings, Personal Loans, and Student Loan Refi line is 1-855-456-7634, available Monday to Thursday 5:00 AM to 7:00 PM PT and Friday to Sunday 5:00 AM to 5:00 PM PT. For SoFi Credit Card support call 1-844-945-7634 (24/7). For SoFi Home Loans call 1-844-763-4466 (M-F 6 AM to 3 PM PT). For SoFi Invest call 1-855-525-7634 (M-F 5 AM to 5 PM PT). SoFi in-app chat is available 24/7 for general questions.

Is SoFi Bank FDIC insured? How does the $2 million coverage work?

Yes. SoFi Bank, N.A. is FDIC-insured (Member FDIC). Standard FDIC insurance covers up to $250,000 per depositor, per insured bank, for each account ownership category. SoFi additionally operates the SoFi Insured Deposit Program, which sweeps deposits across a network of FDIC-insured partner banks to extend total FDIC coverage to up to $2 million on combined SoFi balances. The sweep is automatic and invisible to the customer; SoFi handles the distribution behind the scenes.

Where is SoFi Bank headquartered?

SoFi Bank, N.A. operates within SoFi Technologies, Inc., which is headquartered at 234 First Street, San Francisco, California 94105, in the South of Market (SoMa) district. SoFi has additional operations and engineering offices in Healdsburg, California; Helena, Montana; Frisco, Texas; Salt Lake City, Utah; Jacksonville, Florida; and several international locations. The legal bank entity (SoFi Bank, N.A.) inherited the OCC charter from Golden Pacific Bank in Sacramento, California.

What is the current SoFi Bank Savings APY?

The SoFi Savings APY is variable and depends on your account configuration: up to 3.10% APY with eligible direct deposit, or up to 4.50% APY for SoFi Plus members on the first $20,000 of Savings balance. Without direct deposit or SoFi Plus, the APY drops to a lower variable rate. SoFi Checking earns 0.50% APY. New members can earn a limited-time 0.70% APY boost (3.80% total) with eligible direct deposit or qualifying deposits. Check sofi.com for current published rates.

What is SoFi Plus and is it worth it?

SoFi Plus is a $10-per-month subscription that boosts the Savings APY to up to 4.50% on the first $20,000, includes cashback boosts on the SoFi Credit Card, relationship discounts on SoFi personal loans, mortgages, and student-loan refi, priority customer service, and other perks. Whether it is worth it depends on your savings balance: on $20,000 in Savings, the 1.40% APY uplift (4.50% vs 3.10%) is roughly $280 per year, while SoFi Plus costs $120 per year, so the math works out positively for balances of around $8,500 or more at typical rate differentials. Below $8,500 in Savings, the cashback and lending discounts can still justify SoFi Plus.

What is two-day early paycheck access?

SoFi credits direct-deposit paychecks to your SoFi Checking account up to two business days before the official ACH posting date. The exact timing depends on when your employer’s payroll provider transmits the deposit information to the Federal Reserve. The feature is automatic; no setup required beyond having an eligible direct deposit configured. Many other online banks offer similar early-deposit features (Chime, Capital One, Discover, U.S. Bank Early Pay).

Why is SoFi the name on SoFi Stadium?

SoFi acquired the naming rights to the new Inglewood, California, NFL stadium in September 2019 in a multi-decade agreement reportedly worth $30 million per year. SoFi Stadium opened in 2020 and hosts the Los Angeles Rams and Los Angeles Chargers, as well as Super Bowls (LVI in 2022, LXI in 2027), 2026 FIFA World Cup matches, and the 2028 Summer Olympics. The stadium is in Inglewood, California, not at SoFi’s San Francisco corporate headquarters.

How does SoFi Bank compare to other online banks?

SoFi competes most directly with Ally Bank, Discover Bank, Marcus by Goldman Sachs, and Capital One Bank. SoFi differentiators: the unified one-app experience covering banking, lending, and investing; the SoFi Plus subscription option for boosted APY; two-day early paycheck access; the FDIC sweep program up to $2 million; and the Allpoint ATM network. SoFi’s main limitation is that out-of-network ATM fees are not rebated (Schwab, Chime, and some others do rebate). For more on competitors, see Charles Schwab Bank (unlimited worldwide ATM fee rebates), Synchrony Bank ($5 per statement cycle ATM refund), and American Express National Bank.

For more banking guides

• Ally Bank Near Me, an online-only bank with a checking-plus-savings model similar to SoFi
• Marcus by Goldman Sachs Near Me, another major online deposit bank (savings and CDs only, no checking)
• Discover Bank Near Me, an online-only deposit bank now owned by Capital One
• Synchrony Bank Near Me, an online deposit bank with optional ATM card on the Plus and Accel networks
• Charles Schwab Bank Near Me, an online-first bank with unlimited worldwide ATM fee rebates
• Capital One Bank Near Me, a hybrid online + Cafe model with the 60,000+ ATM network
• Allpoint ATM Near Me, the surcharge-free ATM network that SoFi uses
• Banks Open on Holidays Near Me, the federal holiday schedule and which banks observe which holidays
• ATM Near Me, find ATMs at any bank, surcharge-free options, and drive-thru ATMs
• Banks Near Me homepage, a directory of 70+ US, UK, and international banks