SoFi removed promotional labeling from two tables in their SoFi Plus account terms on July 13, 2026. The first change removed the text '1% Match Promotion: Example Withdrawal and Fee Calculations' from the SoFi Plus Cancellation Fee Examples section. The second change removed the same promotional labeling text from the Early Withdrawal Fee Examples section. The third change removed the promotional labeling from the cryptocurrency match section. These changes do not alter the underlying fee structures, eligibility requirements, or calculation methods—only the descriptive headers identifying these as promotional examples.
The updated terms remove promotional labeling from fee calculation examples but do not change the underlying fee structures, holding period requirements, or match eligibility rules. SoFi Plus members will continue to receive a 1% match on eligible deposits and will incur the same cancellation and early withdrawal fees under the same conditions as previously described. The removal of promotional framing does not alter what members are entitled to or required to do.
The updated terms remove promotional framing from fee disclosure tables but preserve the substantive content. This formatting change does not alter what members are entitled to receive, what fees they will pay, or what holding periods apply. The operational terms governing SoFi Plus accounts remain as previously stated.
Removed promotional labeling; fee table and eligibility criteria unchanged.
Removed promotional labeling; fee calculations and holding period requirements unchanged.
Removed promotional labeling; risk disclosures and match terms unchanged.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
SoFi removed three instances of promotional labeling ('1% Match Promotion: Example Withdrawal and Fee Calculations') from the SoFi Plus terms of service on July 13, 2026. The underlying fee tables, calculations, and eligibility criteria remain unchanged. This appears to be a formatting or terminology adjustment rather than a material change to account benefits, fees, or obligations. No new compliance requirements are created by removing descriptive labels from existing tables.
Full compliance analysis
Obligation analysis, escalation trigger, board language, and recommended action.
Monitor: regulatory citations + obligations. Compliance: full compliance memo.
ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-003641.
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