SFintech

SoFi

No-fee bank + brokerage + loans in one app.

Our rating: tier S

Top pick — what we'd recommend first in its category. How we rate →

What to know

Real national bank charter, FDIC-insured, strong APY with direct deposit. Bonus requires eligible payroll DD.

Other platforms we rate in the same category.

Fee-free spending account with credit builder.

Commission-free stock, ETF, and crypto investing.

Business banking built for startups and LLCs.

Send and receive money almost anywhere.

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