| Before | After | ||
|---|---|---|---|
| 529 | SoFi Plus Last Updated: August 3, 2026 (a) What is SoFi Plus? | 529 | SoFi Plus Last Updated: August 18, 2026 (a) What is SoFi Plus? |
| 577 | (i) 4.50% Annual Percentage Yield (APY) on SoFi Savings balances up to $20,000 and 3.10% on all other Savings balances (the “SoFi Plus APY”): For SoFi Plus members, SoFi Savings is a tiered-rate account. | 577 | (i) 4.50% Annual Percentage Yield (APY) on SoFi Savings balances up to $20,000 and 3.10% APY on all other Savings balances (the “SoFi Plus APY”): For SoFi Plus members, SoFi Savings is a tiered-rate account. |
| 579 | Joint account holders: An APY of 4.50% on Savings balances up to $20,000 is available for one Savings account per SoFi Plus member, which will be applied to the individual Savings account if an individual Savings account exists. | 579 | Joint account holders : An APY of 4.50% on Savings balances up to $20,000 is available for one Savings account per SoFi Plus member, which will be applied to the individual Savings account if an individual Savings account exists. |
| 586 | Here’s how that works: ◦ The extra interest you earn from your highest APY — the difference between that rate and the rate that otherwise applies to your other Savings balances — is called incremental interest. ◦ Incremental interest is always credited to your Savings account, even if some or all of the balance that earned it is held in one or more Vaults. ◦ Interest earned on all other balances is credited to the Savings account or Vault where that balance is held. ◦ See the SoFi Bank Rate Sheet for the current rates on your accounts. 3.10% : A 3.10% applies to the portion of SoFi Plus Savings balances that do not earn 4.50% APY across both individual and joint SoFi Savings accounts. | 586 | Here’s how that works: • The extra interest you earn from your highest APY — the difference between that rate and the rate that otherwise applies to your other Savings balances — is called incremental interest. • Incremental interest is always credited to your Savings account, even if some or all of the balance that earned it is held in one or more Vaults. • Interest earned on all other balances is credited to the Savings account or Vault where that balance is held. • See the SoFi Bank Rate Sheet for the current rates on your accounts. • 3.10% APY: A 3.10% APY applies to the portion of SoFi Plus Savings balances that do not earn 4.50% APY across both individual and joint SoFi Savings accounts. |
| 587 | As a result, the APY on your entire balance will range from 3.10% to 4.50%, depending on your total balance. | 587 | As a result, the APY on your entire balance will range from 3.10% to 4.50%, depending on your total balance. • Direct Deposit or Qualifying Deposit account holders : An APY of 3.10% on all Savings balances is available to account holders with Eligible Direct Deposit or $5,000 in Qualifying Deposits, as defined in the SoFi Bank Rate Sheet, whether or not you subscribe to SoFi Plus. • Interaction with Other Promotions: Promotional APY boost offers cannot be combined on the same balances earning the 4.50% APY. |
| 588 | Direct Deposit or Qualifying Deposit account holders: An APY of 3.10% on all Savings balances is available to account holders with Eligible Direct Deposit or $5,000 in Qualifying Deposits, as defined in the SoFi Bank Rate Sheet, whether or not you subscribe to SoFi Plus. • Interaction with Other Promotions: Promotional APY boost offers cannot be combined on the same balances earning the 4.50% APY. | — | Removed |
| 604 | (ii) 1% match on deposits into taxable accounts: INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE SoFi Securities LLC (“SoFi Securities”) and SoFi Wealth LLC (“SoFi Wealth”) are offering the SoFi Plus 1% Match promotion (the “Match” or “Offer”), which is governed by the following Terms and Conditions: Offer: SoFi Plus members are eligible for a 1% Match on deposits made into their existing or newly opened taxable self-directed SoFi Invest account (offered by SoFi Securities) or taxable Robo investing SoFi Invest account (offered by SoFi Wealth) during the Offer Period (the “Eligible Deposit”). | 603 | (ii) 1% match on deposits into non-retirement accounts: INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE SoFi Securities LLC (“SoFi Securities”) and SoFi Wealth LLC (“SoFi Wealth”) are offering the SoFi Plus 1% Match promotion (the “Match” or “Benefit”), which is governed by the following Terms and Conditions: Match Benefit: SoFi Plus members are eligible for a 1% Match on deposits made into their existing or newly opened non-retirement self-directed SoFi Invest account (offered by SoFi Securities) or non-retirement Robo investing SoFi Invest account (offered by SoFi Wealth) during the Benefit Period (the “Eligible Deposit”). |
| 605 | Offer Period: The Offer Period is from March 31, 2026 through the date SoFi terminates the Offer. | 604 | Benefit Period: The Benefit Period is from August 18, 2026 through the date SoFi terminates the Benefit. |
| 606 | SoFi may modify, suspend, or terminate the Offer at any time in its sole discretion without advance notice. | 605 | SoFi may modify, suspend, or terminate the benefit at any time in its sole discretion without advance notice. |
| 607 | Eligibility: To receive and retain the full value of this promotion, a SoFi Plus member must: 1. | 606 | This benefit can be combined with the limited time 1% Deposit Match Offer (available August 18 – August 31, 2026), provided the qualifying deposits, holding requirements, and Plus status are independently satisfied for each offer. |
| 608 | Be a SoFi Plus member at the time each Eligible Deposit settles. 2. | 607 | Eligibility: To receive and retain the full value of this promotion, a SoFi Plus member must: Be a SoFi Plus subscriber at the time each Eligible Deposit settles; and Maintain each Eligible Deposit in the non-retirement account for five (5) years from the settlement date. |
| 609 | Keep their SoFi Plus subscription for one (1) continuous year from each Eligible Deposit settlement date. | — | Removed |
| 610 | For clarity, the one (1) year requirement applies separately to each Eligible Deposit, measured from the settlement date of that Eligible Deposit. 3. | — | Removed |
| 611 | Maintain each Eligible Deposit in the taxable account for five (5) years from the settlement date. | — | Removed |
| 613 | Deposit refers to an instant cash transfer from a SoFi Bank account or ACH deposit into either a taxable self-directed SoFi Invest account or Robo investing SoFi Invest account during the Offer Period. | 609 | Deposit refers to an instant cash transfer from a SoFi Bank account or ACH deposit into either a non-retirement self-directed SoFi Invest account or SoFi Robo Invest account during the Benefit Period. |
| 614 | The deposit must be settled before the end of the Offer Period to be eligible for the Match. | 610 | The deposit must be settled before the end of the Benefit Period to be eligible for the Match. |
| 617 | The Match will be earned only if you are a SoFi Plus member in good standing at the time of the Eligible Deposit settlement. | — | Removed |
| 619 | Funds deposited into a Self-Directed account will not be automatically invested unless you take action to invest them. | 614 | Funds deposited into a self-directed account will not be automatically invested (you must take action to invest them). |
| 623 | Example: If you complete a deposit of $1,000 into your taxable self-directed SoFi Invest account, you will be paid a 1% Match on your deposit, equaling $10. | 618 | Example: If you complete a deposit of $1,000 into your non-retirement self-directed SoFi Invest account, you will be paid a 1% Match on your deposit, equaling $10. |
| 624 | Limitations: This Offer may not be combined with any other SoFi Invest offers unless expressly permitted by SoFi in writing. | 619 | Limitations: This Benefit may not be combined with any other SoFi Invest offers (excluding the limited time 1% Deposit Match Offer available August 18 – August 31, 2026) unless expressly permitted by SoFi in writing. |
| 625 | If a SoFi Plus member cancels or does not maintain a SoFi Plus subscription for at least one (1) continuous year from the Eligible Deposit settlement date, a SoFi Plus cancellation fee equaling a full forfeiture of the Match will apply. | 620 | SoFi Plus members must keep Eligible Deposits in the account that earned the Match for five (5) years to keep the entire Match amount. |
| 626 | The SoFi Plus cancellation fee will be deducted from the cash available in the account where the Eligible Deposit was settled. | — | Removed |
| 627 | If insufficient cash is available, the SoFi Plus cancellation fee will be added to a margin balance. | — | Removed |
| 628 | SoFi reserves the right to liquidate securities to pay for the SoFi Plus cancellation fee. | — | Removed |
| 629 | SoFi Plus Cancellation Fee Examples: SoFi Plus Activation Date Deposit 1% Match Total Equity Balance SoFi Plus Cancellation Date SoFi Plus Cancellation Fee March 1, 2026 $2,000 $20 $2,020 5+ years from deposit date $0 (earned full match amount) March 1, 2026 $2,000 $20 $2,020 2 years from deposit date $0 (adhered to SoFi Plus holding period, but early withdrawal fee could still apply) March 1, 2026 $2,000 $20 $2,020 Less than 1 year from deposit date $20 SoFi Plus members must keep Eligible Deposits in the account that earned the Match for five (5) years to keep the entire Match amount. | — | Removed |
| 634 | For purposes of this Offer, “total equity” means the sum of cash plus the market value of securities in the applicable account, as determined by SoFi in good faith based on the account’s real-time market valuation at the time the withdrawal request is processed, as reflected in SoFi’s official books and records. | 625 | For purposes of this benefit, “total equity” means the sum of cash plus the market value of securities in the applicable account, as determined by SoFi in good faith based on the account’s real-time market valuation at the time the withdrawal request is processed, as reflected in SoFi’s official books and records. |
| 636 | The early withdrawal fee will also apply if the SoFi Plus member initiates a withdrawal and the total equity has decreased, for any reason including investment losses. | 627 | The early withdrawal fee will apply if the SoFi Plus member initiates a withdrawal and the total equity has decreased, for any reason including investment losses. |
| 649 | Recipient is responsible for any applicable federal, state or local taxes associated with receiving the offer; consult with your tax advisor to determine applicable tax consequences. | 640 | Recipient is responsible for any applicable federal, state or local taxes associated with receiving the benefit; consult with your tax advisor to determine applicable tax consequences. |
| 650 | Disclosures: Nothing in this Offer constitutes a recommendation to buy, sell, or hold any security or to engage in any investment strategy. | 641 | Disclosures: Nothing in this benefit constitutes a recommendation to buy, sell, or hold any security or to engage in any investment strategy. |
Follow unlimited companies, monitor the clauses that matter across every platform, and get the full institutional analysis on what each change obligates you to do.