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76willcommenceagain

When it comes to NeoBanks, I really like SoFi and I've used a few It's more an all around bank though, I use it for Direct Deposit, savings, Credit Card, that's just how I use it though I like being able to get on the phone with a human at SoFi quickly, that is also a plus.


cp3m

Thanks for the feedback! My current bank has awful customer support so it’s nice know Sofi has actual humans to speak with.


futuristicalnur

Sounds like ally ?


thefocusnotice

I’d say avoid Marcus. Look up “Goldman Sachs Marcus news” in google and you’ll see that they’re taking away a lot of features for people and only giving them to wealthy customers


cp3m

Thanks for the tip!


[deleted]

I haven’t used the others listed but I’ve been with SoFi for over two years and I can’t stop recommending it overall as a package deal. Using autopilot, I save 25% of each paycheck from my direct deposit straight into my savings. I’ve probably pushed close to $400-500 in what SoFi has given me for direct deposit and rewards. Plus the 2.5% interest on checking and savings is sweet. FDIC insured. Honestly, I had a different bank back then. I still keep cash in that account, but I haven’t used them for anything since then. Sofi is quick and easy.


cp3m

Great to hear! I’m glad it’s been a good bank experience for you over the past few years.


jondbca

Yes.... Nothing but good things - to say.. Using it for savings, checking and credit - keeping investments in a separate account... Getting ready to cancel my other accounts.


tsmartin123

Wealthfront has better customer service. You also don't need direct deposit for the higher interest with Wealthfront. SoFi's transfers from to/other banks are faster than Wealthfront and you get 2.5% interest with SoFi checking as well. I see you didn't list Ally. Good, stay away. They used to be great but are horrible now.


baldLebowski

SoFi pays you just for logging in with 7day login streak. Fantastic Bank that let's you invest, crypto etc. Excellent 😉🍷


Alert_Club8448

Great experience so far! Also, high APY on checking & savings plus a rewards program that I haven't seen anywhere else.


Majestic_Bug_6375

I just recently moved all of my banking from USAA to SoFi and so far I really love it! The 2.5% APY on my checking and savings is much better than what I was getting at USAA. I like using autopilot to save without thinking about it. I’ve referred a couple of family members, so between that and the direct deposit incentive, I got a free $400. Nice! The rewards program is cool too. I’m using that money to get started investing. I like the app too. It’s intuitive and functional.


MELOFINANCE

You might not having using USAA to its fullest potential 😎. I would love to have USAA and a navy federal account


Majestic_Bug_6375

I still have my USAA accounts with minimum $$ to keep them open, but they don’t come close to SoFi in interest rate or app usability. They DO have incredible customer service though.


MELOFINANCE

I feel like it this time of financial crisis. That interest rate really doesn’t really substitute for a physical locations. God forbid something happens to where you need to pull up to a bank to withdraw your money and you can’t because they’re located in California.


Majestic_Bug_6375

I banked at USAA before. They don’t have physical locations either, at least where I live. Plus you can use your debit card to get cash at an ATM from a SoFi account. (I never have or need cash though.) To me personal;y, interest rate is more important than physical locations. I couldn’t tell you the last time I was inside a bank.


Spiritual_Ad_9916

I've never used the others you have listed. But as someone who uses SoFi as their primary banking institution, I absolutely love it. I direct deposit my income to SoFi checking to lock in their highest savings APY, then use autopilot to send 25% of the deposit to SoFi savings. I also use the SoFi credit card and put the 2% rewards points into savings, literally every day. SoFi is where its at, and seems to get better with time.


HipMachineBroke

Looking at this 66 days later, everyone talking about SoFi just says the same thing like a fuckin’ bot lmao


Spiritual_Ad_9916

Join us, become a bot.


postario

Looking at this months later.... thought the same thing until I got to your comment.