r/sofi

Hey everyone!

I’m considering switching my VA disability direct deposit to SoFi, but I’ve heard people say they receive their VA disability payments **6–7 days early** with SoFi. I know SoFi advertises early direct deposit, but I’m trying to find out if veterans actually receive their disability payments that early.
For those of you who receive VA disability compensation through SoFi, I’d love to hear your experiences!
**How many days early do you actually receive your VA disability payment?** Is it really 6–7 days early, or is it usually 1–2 days?
What date did your most recent VA disability payment hit your SoFi account compared with the official payment date?
What are the biggest benefits of banking with SoFi?
What are the downsides?

Marines got paid yesterday, the same day their LES came out. Wondering if any Army or Air Force got paid yet today?

Have about 8k that needs to go back into there. They refuse to except wire transfers except for very specific branches can they take money off a debit card?

HOOD and SOFI get lumped together a lot, but I don't think they're really competing at the core. Robinhood makes its money on retail trading and SoFi makes its money on retail lending, so the two have different cores. I'm not expecting much from Robinhood's banking push or its effort to bring on hedge funds, since institutional money rarely leaves where it already sits. I think SoFi wins enterprise accounts first. Meanwhile, the two stocks have been moving in opposite directions. I'm curious where people here land, especially anyone holding either one.

I got an email today from Realtime Media saying I won third place in the “SoFi Invest $250k Future Fund Sweepstakes”, I don’t remember registering for it and I’m somewhat paranoid when it comes to scams. Is there a surefire way to tell if its legit/ has anybody else who’s won these had to put in their address and scan their ID? I’m letting it sit in my inbox for now.

Has anyone else had issues linking joint bank accounts to external merchants for auto bill pay and/or direct deposit? My husband and I set up a joint SoFi account several months ago, which we were excited to do because they were a relatively new offering and we had our previous joint account with another bank. We both have individual SoFi accounts that have always worked the way they're supposed to. But now I'm trying to set up direct deposit through ADP as well as an auto bill pay for our electric company for our new joint account and can't get it to work. I've contacted SoFi twice about this and they've been completely unhelpful. I also tried setting the auto bill pay in my husband's name just in case it was a name mismatch issue, but that didn't work either. I'm at my wit's end and considering switching banks because this defeats the whole purpose of having an online bank!

I received a phone notification that transferring $1000 worth of crypto to sofi will get $300 in SOFID. That’s pretty great, so I clicked into it and followed the steps to purchase $1000 USDC.

However, I cannot find any details on that promo anymore, and since I clicked through the notification that also disappeared. Is there a link to the promo?

Does purchasing usdc from our checking or savings account satisfy the condition or does it have to be a transfer from a separate crypto wallet?

I started using digital vaults/buckets for budgeting and the envelope method, but moving money around constantly is way too tedious.
I’ve been relying on spending insights instead—especially for things like my Apple Card, which doesn't cleanly integrate with my main dashboard.

I'm curious:
• Are you finding an efficient way to budget with vaults?

• Or do most people just use them to separate general savings?

Would love to hear what workflow actually works for you long-term without driving you crazy.

Sofi won’t pay us until 10/13, unfortunately October 12 is a federal holiday and we have to wait 13 days for pay- that is 18 days without pay from 9/25. Sofi is good paying early when I notice that we get paid much longer than 15 days. DFAS won’t post LES early for sure.