SoFi Disclosure:

¹ New and existing Checking & Savings members who have not yet signed up for direct deposit with SoFi are eligible to earn a cash bonus when they set up a direct deposit of at least $1,000 during the bonus period direct deposit. The cash bonus will be based on the total direct deposit amount. Direct deposit promotion begins 12/7/2023 and will be available until 12/31/24. Full conditions at sofi.com/banking. SoFi Checking and Savings is offered by SoFi Bank, NA, Member FDIC.

SoFi members with direct deposit can earn 4.30% Annual Percentage Yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.30% APY for savings (including safe deposit boxes). Members without direct deposit will earn 1.20% APY on savings balances (including safe deposit boxes) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These prices are in effect as of 08/10/2024. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

² SoFi members with direct deposit or $5,000 or more in eligible deposits during the 30-day trial period can earn 4.30% Annual Percentage Yield (APY) on savings balances (including safes) and 0.50% APY on checking balances. No minimum direct deposit amount is required to qualify for the interest rate shown. Members without direct deposit or qualifying deposits, during the 30-day trial period, will earn 1.20% APY on savings balances (including vaults) and 0.50% APY on checking balances . Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These prices are in effect as of 08/10/2024. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

³ Our account fee policy is subject to change at any time.

⁴ SoFi Bank is a Member FDIC and provides no more than $250,000 of FDIC insurance per legal category of account holder, as described in FDIC regulations. Any extra

FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits can be insured up to $2 million through participation in the program. See full terms at SoFi.com/banking/fdic/terms

See the list of participating banks at SoFi.com/banking/fdic/receivebanks

⁵ We’ve partnered with Allpoint to provide you with ATM access to any of the more than 55,000 ATMs in the Allpoint network. You will not be charged any fees when using an in-network ATM. However, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi ATM policies are subject to change at our discretion at any time.

⁶ Early access to direct deposit funds is based on when we receive notice of impending payment from the Federal Reserve, which is generally up to two days before the scheduled payment date, but may vary.

⁷ Overdraft coverage is limited to $50 on debit card purchases only and is an account benefit available to customers who have made direct deposits of $1,000 or more during the current 30-day trial period , as determined by SoFi Bank, NA. The 30-day evaluation period refers to the 30-day evaluation period. The “Start Date” and “End Date” shown on the APY Details page of your account, which include a 30 calendar day period (“30 Day Trial Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Bank > Savings > Current APY or (ii) Bank > Check > Current APY. Members with a history of failing to repay negative balances are not eligible for overdraft coverage.