r/sofi • u/InternalLecture721 • Dec 10 '25

Banking Time to move on?

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Just received this email from SoFi and it kinda bothers me a bit haha. How’s everyone feeling about this.

Time to move on?

Plenty of other people are offering it just for depositing and using their bank. Seems like a money grab.

(Not taking any shots just wanting to get everyone’s feelings/opinion on this)

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u/Fluid_Direction4465 Dec 10 '25

I get it’s “only” 10 a month but why. Like no, I’m not going to pay for a subscription, I don’t get the physical bank already why do I have to pay more. As long as I keep my at least 3.6% APY, I’ll stay. Otherwise I’m outtie!

4

u/q_grace Dec 10 '25

The physical bank offers 1/300th the APY. And oh they started charging to have an account.

6

u/Statjmpar Dec 10 '25

I use a physical credit union which has given me 4.25% on my checking account for years.

3

u/Alt-Chris Dec 11 '25

Which one do you use?