SoFi Checking and Savings fees
SoFi prints a fee sheet for Checking and Savings. Most everyday lines are $0. The lines that cost money are an outgoing domestic wire, an outgoing instant transfer, a global remittance, and a cash deposit at a partner. This page copies the sheet that was effective 18 May 2026.
Last updated: October 19, 2026
Last checked: Oct 2026
What the sheet lists as $0
Opened 19 October 2026. The SoFi Bank fee sheet says the fees apply to SoFi Checking and Savings, and that SoFi can change them. Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. How to get the PDF is on how to download a SoFi statement.
These lines are $0 on that sheet: monthly maintenance, minimum balance, overdraft, inactive account, dormant account, escheatment or unclaimed account, return item, checkbook, replacement card, rush card delivery, statement and research or legal processing, and stop payment. SoFi says it may return an item when the account does not have enough money. A dormant account with no customer activity can still be turned over to the state where you live. That process is not a SoFi fee.
Upload the statement on Expenvo. The PDF stays on your device. Expenvo lists the lines. It does not sign in to the bank, and it does not move the money.
Wires, instant transfers, and ATMs
Match the direction. Sending and receiving are different rows.
| Line | What the sheet prints | What else it says |
|---|---|---|
| Outgoing domestic wire | $30 per wire transfer | The fee is charged when the wire is processed, and the sheet says it is non-refundable. |
| Incoming wire | $0 per wire transfer | This is only SoFi's receiving fee. |
| Outgoing instant transfer | 0.75% of the amount, at least $1 and at most $30 | This is a withdrawal. The sheet says SoFi Plus members may get a discount. It does not print the discount on this page. |
| Incoming instant transfer | $0 per transaction | This is a deposit. |
| Global remittance | 0.50% of the transfer amount | A third party can add a fee. The sheet says those fees show in the disclosure before you authorize the transfer. The recipient's bank can also take a fee, and that fee is not in SoFi's total. SoFi Plus may discount the SoFi portion. The discount is not printed here. |
| Allpoint ATM, in the US or abroad | $0 per transaction | The banking page says Allpoint has more than 55,000 ATMs. |
| ATM outside Allpoint | SoFi does not charge a fee | The ATM operator may charge a fee. |
| Zelle or other person to person, bill pay, mobile deposit, card purchase in the US or abroad | $0 | Each of these is its own $0 row on the sheet. |
| Cash deposit | SoFi does not charge a fee | A partner may charge up to $4.95 per deposit. |
Overdraft coverage is not the $0 overdraft fee
The fee sheet lists the overdraft fee as $0. Separately, the SoFi banking page describes Overdraft Coverage. It is offered automatically if you receive at least $1,000 in eligible direct deposits in a rolling 31 days, on a recurring basis. If you are enrolled, SoFi may cover up to $50 of a negative balance, and only on SoFi Bank debit card purchases. It does not apply to person to person transfers, bill pay, checks, or other transactions that are not a debit card purchase. A past unpaid negative balance can make you ineligible. SoFi decides eligibility. The page does not say SoFi will refund a fee you already paid.
Questions
- Does SoFi charge a monthly fee on Checking and Savings?
- The fee sheet effective 18 May 2026 lists the monthly maintenance fee as $0, and the minimum balance fee as $0.
- How much is a SoFi domestic wire?
- An outgoing domestic wire is $30 per wire, and the sheet says that fee is non-refundable. An incoming wire is $0 from SoFi.
- Does SoFi charge for an ATM?
- An Allpoint ATM is $0. At an ATM outside Allpoint, SoFi does not charge a fee, and the operator may.
Sources
Related guides
Free is $0 USD. The PDF stays on your device.