DEPOSITS
Improve your customer experience with a full suite of deposit options.
Card issuing is at the core of every customer relationship—and today this includes issuing physical, virtual and digital-first cards, which are essential to cardholder activation and retention.
A full suite of deposit options.
Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs . Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs .
Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs . Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs .
Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs . Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs .
Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs . Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs .
Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs . Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs .
Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs . Senior Checking . Money Market . Rewards Checking . Direct Deposit . Early Pay . High-Yield Savings . DDA . Health Savings . High Interchange . Business Checking . CDs .
Customers expect more. Deliver more.
New research from the SoFi Tech Solutions Consumer Banking Report reveals that nearly half of all new checking accounts in the U.S. were opened with digital banks and fintechs in the past year. Consumers are curating their own financial ecosystems, keeping funds across multiple accounts to maximize returns, improve convenience, and access better digital experiences.
Banks and fintechs that fail to evolve risk losing deposits—not just to digital challengers, but to their own customers seeking better options elsewhere. To remain their primary financial provider, you must offer the right products at the right time.
Direct Deposit
Boost profitability with direct deposit.
Paper checks are slow, inconvenient, and insecure. Customers don't want to wait for checks to clear—they expect instant access to their earnings. With direct deposit capabilities for both consumers and businesses, SoFi Tech Solutions enables fast, secure, and frictionless fund transfers through ACH, early paycheck access, and mobile deposits.
Make onboarding seamless and increase retention with direct deposit switch, which allows customers to set up deposits without HR involvement or paperwork—removing barriers and accelerating adoption.
Make onboarding seamless and increase retention with direct deposit switch, which allows customers to set up deposits without HR involvement or paperwork—removing barriers and accelerating adoption.
Early Pay
Help customers access their pay sooner.
Many consumers live paycheck to paycheck—waiting for funds to clear shouldn’t be another financial stressor. Early Pay gives customers access to their earnings as soon as their employer deposits funds—often days before payday.
This feature strengthens deposit relationships, increases engagement, and improves customer financial stability—all while positioning your institution as a trusted financial partner.
This feature strengthens deposit relationships, increases engagement, and improves customer financial stability—all while positioning your institution as a trusted financial partner.
Round-up savings
Help customers save effortlessly.
Small savings add up. With round-up capabilities, customers can automatically save or invest their spare change—making money management simple and rewarding.
- Purchases are rounded up to the nearest dollar.
- Extra cents are transferred into a savings, investment, or charitable account.
- - Set it and forget it—building better savings habits effortlessly.
Overdraft protection
Prevent declined transactions and protect customers.
Give customers peace of mind with overdraft protection that ensures transactions go through when funds are temporarily low.
SoFi Tech Solutions overdraft is fully configurable, allowing you to:
SoFi Tech Solutions overdraft is fully configurable, allowing you to:
- Set flexible fee structures
- Offer grace periods to keep customers in good standing
- Customize overdraft limits based on account history
Deposit Sweep
Maximize account holder value and liquidity.
For banks and financial institutions, sweep accounts optimize cash balances by automatically distributing excess funds across multiple accounts—maximizing yield while maintaining liquidity and FDIC insurance coverage.
SoFi Tech Solutions partners with InfraFi to enable Deposit Sweep, helping institutions optimize treasury management and customer deposits.
SoFi Tech Solutions partners with InfraFi to enable Deposit Sweep, helping institutions optimize treasury management and customer deposits.
¹ No brands or products mentioned are affiliated with SoFi Tech Solutions, nor do they endorse or sponsor this product. Third party trademarks referenced herein are property of their respective owners.
