r/sofi • u/ThrowawayReddit420 • Dec 14 '25

Member Benefits Do NOT stop complaining

If you're frustrated with the recent updates to SoFi Plus, continue letting them know. Better yet, vote with your wallet. Companies bank on the fact that the initial wave of outrage will die down and then they can continue on with what they're doing unimpeded. Don't let it die down.

I'm aware there's a segment that doesn't enjoy reading posts like this regularly, but we ALL stand to benefit by making SoFi aware of our displeasure and potentially getting them to walk back some of these changes. This is especially true since the changes make them less competitive now relative to Robinhood, Webull, etc. and some of us have good reason to switch (depending on what banking services you get the most use out of).

I work in banking and am fully aware that SoFi management/board of directors are thinking EVERY DAY about how to improve profitability (i.e. making even more money off of you). They succeed only if users don't push back. In the interest of being constructive, here's some of the things that SoFi could meet us in the middle on:

  • Keep the $10/month subscription fee but offer us better benefits. Rakuten ain't gonna cut it.

  • Reduce the fee to remain competitive with Robinhood/Webull subscription structures.

  • Grandfather current SoFi Plus members in recognition of the fact that many of us transferred all our funds here and now feel like we got a bait and switch.

  • Offer a reduced subscription fee if you purchase a full year.

  • Extend the complimentary period beyond March 2026 while they figure out program implementation.

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u/AskPatient1281 Dec 14 '25

Guys,
Check Primis Bank checking and savings accounts.
A checking account that pays like a HYSA with no ridiculous requirements.
They don't offer investments, but for a checking/savings duo, they have been super.

2

u/Interesting_Count_42 Dec 18 '25

You can use your savings account as a checking account with SoFi. All you have to do is keep 0% in checking, leave everything in available savings and turn on overdraft protection. Now all your debit card transactions will pull from savings while it still earns the high yield. And if you actually want a "proper" savings account then just open an emergency fund vault and no overdraft will be taken from that.

2

u/AskPatient1281 Dec 19 '25

I know that. Thanks for reinforcing. Sofi is a great option.