What Mobile Banking Services Does SoFi Offer?


SoFi’s online- and mobile banking services make banking more manageable, convenient, and secure. Their mobile app lets you do everything you can on our website—plus more—anytime. Check out the sections below to learn more about the online- and mobile banking services SoFi Invest offers and how you can use the products to help simplify your life.


Transfer and Receive Funds On Any Device

And mobile banking with SoFi, you can make transfers by accessing your accounts on the go. You can also request a check (PDF) to be mailed to you using your phone number as a reference. While checks might take up to two business days to arrive in your mailbox, they are safer than carrying cash with you wherever you go and have no risk of being lost or stolen.


Deposit Checks from Your Phone

SoFi members can use their smartphones to deposit checks instantly with our Mobile Check Deposit service. Take a picture of your check, and it will appear as if you’ve written a regular check—you even get to keep it. It’s easy, secure, and you save time.

Even deposit cash into your account using Apple Pay at participating retailers. If you’re having trouble, contact us in-app or over email, and we’ll get things straightened out for you right away. With SoFi Money, it’s never been easier to manage your money on any device.


Pay Bills Online

It’s easier than ever to manage all of your finances in one place—and you can do it wherever you are. SoFi mobile banking allows members to:

  • View and pay bills online.
  • Transfer money between your accounts.
  • Using our Mobile Check Deposit feature, deposit checks with a photo of your check.

Manage your student loans, personal loans, mortgages, and home equity online. SoFi’ll help you take control of your finances to spend more time doing what matters most to you.


Easily Access and Manage Your Money—anytime, Anywhere

With online and mobile banking, you can check your balance and move money whenever you need to. For example, you can access your accounts from anywhere, whether you’re home on a laptop or on the go with a smartphone.


Spend, Save, Earn—and Get Membership Benefits

With your card, you’ll have unlimited ATM access to your funds at any of these 55,000+ ATMs worldwide. You can also use it for purchases anywhere major credit cards are accepted. When you sign up with SoFi Money and deposit $500 or more each month into a checking account, you earn 8x more than what other banks pay on their spending accounts.


Member Rate Discounts

According to the experts at SoFi, “As a SoFi member, you’ll receive a 0.125% rate discount on additional SoFi loans.” So if you take out another loan with SoFi, your interest rate will be even lower than your first loan.

Mobile banking has become a significant component of daily life for people living in today’s digital world. While some major financial institutions have concerns regarding cyber-security and privacy issues, SoFi has well-established security protocols to protect its customers.

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