SoFi Opiniões 

I kept getting bombarded with a promotion to earn a bonus for opening up an account through Samsung Wallet with $100. The promotional bonus was being touted as $50 but I took a screenshot of the "terms" and it initially mentioned the bonus as $100 and later as $50. Accuracy in communication is not their strong suit. Also, the terms didn't mention that funding of said account had to be "posted" by 6/30. How do I know how long it takes for them to transfer the $? I completed funding on the day I opened the account, with proof in a screenshot, but it conveniently didn't post until the following day (a non-banking day). Of course, they won't honor the promotion or their posted (incomplete) terms. I appreciate learning about your predatory nature early on in our relationship so I can put my money somewhere where it will actually work for me, ie. a bank that is clear in its terms and expectations and provides decent customer service. Back in the day, you could've gotten sued for misleading communication and non-disclosure of terms.

Worst bank for online banking EVER. Check deposits are supposed to be 2-5 days but I currently have 2 not set to clear for 7!!! I'll definitely be leaving this bank very soon and taking anyone I have referred too!

Such a wonderful pleasant experience. I just needed a Company to believe in my credit worthiness to lend me the money to empower me to get out of debt.

Application was easy and straight forward. Communication was clear about what things they needed from me and app was easy to use to provide. Approval was fast and funds were paid as expected.

Overall easy experience and great customer service

Fast and easy. I will come here again.

So easy and very efficient

Everything was seamless!!! The process was simple and fast!

The application process was quick, a couple of people I had to talk to on the phone were nice and knowledgeble and the APR was great. Better than going to a bank for a loan and having somebody waste your time with offers that you don't need.

Great work wonderful job

I’ve been trying to close an account and they only have a chat bot that won’t let me keeps asking me why. Very frustrating, getting charged on an account I’ve emptied and want closed. I’m going to back to in person banking.

If I could put a zero I would. I sent my salary info to them documented. Included the 25 percent extra to my net (being I get paid net). to get to gross which is what they go by, even there AI asst verified they go by gross. They did a hard pull prior to this. Now they are saying I need a co borrower because my income does not match. It does when you convert net to gross.

They said I could reapply with the net used as the gross and get a lower amount, They would not do another hard pull for 30 days. Ok, then I asked when can I reapply, they said after 30 days. So in the end I would get another hard pull. ??? It was a very nice customer service rep though!!

They really need to have an area for net income or have you increase net and add 25 percent to get to gross. Like so many other loan and credit card companies are doing!

It was easy to apply they give you all the information it didn't take long for them to decide and they give you tools to help you along the way they don't make you feel like you're a failure and help you get out of debt

Garbage. Opened an account and couldn't FUND the thing. Stripe wouldn't link my account and SoFi wouldn't update my name for 7 business days to get my account linked to fund since my middle initial wasn't included. No way to manually link a bank account without doing it through Stripe. What is the point of a checking/savings account you can't FUND. One customer service rep sent me a link to verify my identity to update my name, it expired before I could finish and then when I went to get another link sent they said they couldn't do it for 7 business days. Customer service has no idea what they're doing.Would not trust them with my money.

This by far is the worst bank I ever put my money into. Their customer service you can’t even understand them because they don’t speak proper English. I had to ask eight times to talk to supervisor and when I told them not to deactivate my card because I wanted to keep that card, they took it upon themselves to deactivate my card and send me a new one so now I get to live with no money until whenever I get a new card.

I literally can’t wait to get rid of this bank and get into a proper bank.

Quick, easy, straightforward. No confusion. Thank you.

Excellent experience! Great company who actually answer the phone and help with questions.

process efficiency, time & ease of use.

Run. Fist, I open the account, and the only way to deposit a check mobile (at an online only bank) is to transfer at least $500. Not deposit, TRANSFER4. So ... if you don't have at least $500 in another bank to transfer, then you can't use the bank.
So - for me, with only 1 check and no way to transfer funds, this is like the trash taking itself out. Sofi is the trash, and it made itself unusable to me .. took itself out.