Heyo! I just swapped my direct deposit from Chime (do NOT recommend) and I was curious if my next paycheck (8.25.26) will be deposited there? It said it may take one or two cycles but Paycomm already shows routing there? Just curious on what the time frame was for others who switched over? Also, how does qualifying for Plus work? I deposit between 3-5k a month, will that auto qualify me? I was a Chime Prime member previously. Thanks!

I already have a smart card and I wasn’t given any notification of it being cancelled but for some reason it has disappeared from the sofi app. Any ideas or is the app just having problems today?

So I have been at fidelity for a while, about 3 years. I like the platform and the CMA account is probably the best checking account I have ever had. But I also enjoy sofi and the app.

My question to y'all, can I use the sofi app in any country? Can I use the debit card in any country and get ATM fees back? Can I transfer from sofi checking to sofi invest instantly?

How is the platform vs fidelity? Has anyone come from fidelity to sofi .. let me know

It’s annoying to pay!

NU

I called SoFi earlier this month to let them know that I would not be able to make a credit card payment until September. The customer service agent said they would make a note of that. Since then, they have sent me letters, emails, texts and called me about this bill. Is this standard practice? It’s not like them contacting me is going to make my paycheck come any faster.

Hi, I was wondering since im new to SoFi, if I’m able to send money from my account to my Venmo?
It may seem like an obvious answer but im simply covering my bases. Thanks!

both app and website not working.

2 weeks ago my SoFi banking account was hacked. I of course called SoFi and filed disputes against the charges made to my card and they opened an investigation. A week ago, the investigation was closed, the disputes closed and they returned the money that was stolen from me. SoFi restricts my account and says they're going to open a new account for me. EVERY. SINGLE. DAY. since then, I have been given the run around when I call customer support and keep getting told "your account will be opened tomorrow". My bills are late, my credit card is frozen due to not being able to pay the bill, I have no money, and the food in my house has just ran out. I sit here with rumbling stomach, as my pregnant wife and son eat the last remaining food we have in the house, as SoFi holds me financially hostage. If you come across this while looking into SoFi, DO NOT GET SOFI, WORST MISTAKE YOU COULD MAKE!

Update: After a WEEK of complaing to them and getting desperate when we ran completely out of food in the house, I continued spam calling them until they eventually connected me to an American representative instead of a fucking Indian call center representative. Within 10 minutes, they took care of the issue, got me access to my money, and I was able to feed my family. Thank God. So insanely ridiculous that this could have been solved so quickly, but these motherfuckers strung me along for a 2 week, made me late on all my bills, and had me stressing about how the hell I was going to feed my pregnant wife and 4 year old son. I work too damn hard for my family for a fucking bank to hold me hostage like this.

Please correct me if this is the wrong flair, but I'm needing some help. I just opened a SoFi account. I'm trying to move away from Discover before the Cap1 merge finishes and all of the local CUs and banks have awful reviews. SoFi looked promising, so I'm trying it out. I saw that they offered small personal loans to pay off credit card debt and as I have one card maxed out with super high interest, I was curious. They told me they couldn't offer anything right now and I'm wondering what I might be able t9 do to change that. My credit is all over the 600s depending on where I check it. Not high. My open accounts are my 2 credit cards (about $2500 total) and my student loans. People who have taken the loans, how did you qualify?

Hi everyone,
I’m hoping someone from SoFi who monitors this subreddit can help me with an issue involving $9,297.65 that was supposedly returned after my SoFi account was closed.
Here’s the situation:
I received an ACH payout from Whatnot(live streaming platform) for $10,860.54 into my SoFi account. The deposit was successful and the full amount was credited to my account.
Shortly afterward, SoFi closed my account while there was still $9,297.65 remaining in it.
I have called SoFi multiple times, and each time I have been told that the remaining $9,297.65 was returned via ACH to the original sender/payment processor. I was told the return was initiated on Sunday ( August 9th 2026)
The problem is that Whatnot has not been able to locate the returned $9,297.65.
Whatnot has now asked me to provide written confirmation from SoFi showing that the funds were returned/rejected from SoFi’s end so that they can trace the money with their payment processor.
I contacted SoFi again asking for some type of written confirmation, return trace number, ACH return information, or anything else showing where the $9,297.65 was sent.
So far, I have been unable to get that documentation. I’ve essentially been told that the money was returned and that I need to work it out with the sender.
That leaves me stuck between both sides.
Whatnot says they need documentation from SoFi.
SoFi says the money was already returned.
Meanwhile, $9,297.65 is still unaccounted for.
I’m not asking SoFi to credit me money that was never there. The original $10,860.54 deposit successfully reached my SoFi account. I’m simply trying to determine exactly what happened to the $9,297.65 remaining balance after SoFi closed the account.
If the $9,297.65 was returned through ACH, I would really appreciate someone from SoFi helping me obtain:
The date the ACH return was actually transmitted
The exact amount returned
The ACH return/trace number or other tracking information
The ACH return code, if applicable
Identification of the receiving/originating institution or payment processor it was returned to
Written confirmation that the funds left SoFi and were returned to the originating bank/payment processor
I have spent a lot of time calling and trying to resolve this through normal customer support, but I keep going in circles.
If any SoFi employee or executive who monitors this subreddit sees this, I would really appreciate someone looking into this or escalating it to the appropriate ACH/payment operations team.
I can provide the account information, original ACH trace information, Whatnot correspondence, and any other details privately to an authorized SoFi representative.
Obviously, I will not post my account number or other sensitive banking information publicly.
Thank you to anyone who can point me in the right direction.

Edit 1: Thank you all for your input and for taking the time to read through my situation. I genuinely appreciate everyone who has offered advice or tried to point me in the right direction.
I also want to clarify that I’m not trying to trash SoFi or say they’re a bad bank. I believe SoFi is a great bank, and my intention with this post is simply to find someone who can help me resolve a complicated situation.
At this point, I’m really just hoping to get in contact with an account specialist, supervisor, or someone higher up at SoFi who has the ability to look deeper into what happened and help figure out where things went wrong.
I’ve tried going through the normal support channels, but I feel like I’ve reached a point where the situation needs someone with more authority or experience to review it.
I’m currently being drowned by bills while this money is tied up, and it’s becoming extremely stressful. I’m not looking to blame anyone or attack SoFi — I just want the opportunity to speak with the right person who can actually help me get this resolved.
If anyone from SoFi happens to see this, or if anyone knows the best way to reach someone who handles more complicated account situations, I would genuinely appreciate the help.
Thank you again to everyone who has offered advice and support

The SOFI thesis I keep coming back to is that the bank charter gives them a cheaper funding base while Financial Services and the Technology Platform gradually make the company less dependent on personal lending.

There is some solid evidence for that. Financial Services segment net revenue increased 41% year over year to $428.5M in Q1 2026. Around 97% of deposits were insured at the end of the quarter, which also makes the deposit base look relatively resilient from a funding perspective.

Credit quality looks more mixed. Personal loan delinquency was 47 basis points in Q1, about one basis point lower than a year earlier, so there wasn't obvious deterioration there. At the same time, annualized personal loan charge-offs increased sequentially from 2.80% to 3.03%, and total net charge-offs increased by $33M year over year.

The Technology Platform also had a weaker quarter. Noninterest income there fell 27% because a large client fully transitioned off the platform. That matters because diversification away from lending is a big part of the longer term SOFI story.

Dilution is another thing I hadn't appreciated enough. SoFi issued roughly 140.5M shares through the July 2025 and December 2025 to January 2026 offerings. The July offering alone brought in about $1.7B net and strengthened regulatory capital. At March 31 there were also 281.9M shares reserved for future issuance across equity plans and convertible note conversion.

So the core question for me is how much weight to put on the improving Financial Services business versus the credit and dilution side of the story.

If the non lending segments keep growing quickly and credit stays contained, I can understand the argument for valuing SOFI differently from a traditional bank. If charge-offs continue moving higher while Technology Platform growth stays weak, that premium gets harder to justify.

For people following SOFI closely, which metric matters most to your thesis from here: charge-offs, Financial Services growth, Technology Platform recovery, or deposit growth?

SoFi has a severe lack of security and horrible customer service. This is my second time having my bank drained and i cannot get ahold of any human to talk to about what happened. The “fraud department” called while i was working and got my info which i think is the real scammer and is drain my account. I have no help in figuring this issue out and taking legal actions may be the only possibility due to lack of security. Also i’ve been hung up on while being “directed to an agent”

Any referrals