Why I Stopped Using Sofi Money

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The reason I loved sofi so much

No fees not even fees on international atm use ( which they eventually stopped doing for new members )

They gave everyone high yields without any crazy loops to jump around like direct deposit and so on ( they were competitive )

Plus for the first time I was able to make multiple accounts in one bank account ( so I could have different goals within one bank account

And that was enough for me



It’s the reason why:

I recommened them and I refeered about 153 of you guys to come join at sofi and you guys did

So its my responsibility to now tell you why I’am leaving



So, what happened

New member stopped getting free atm use ( first bad sign but not a deal breaker )

New High yield savings policy change during record low interest rates

I say that I was earning 0% but didn’t think much of it, until my friend came by and told me, how much he was earning in interest with his savings ( and then I got upset )



Here is the new policy ( they are calling it Sofi Plus )

They give you 3.75% on your money currently ( this will change which is normal )

Up to 2 day early check

But your direct deposit has to be higher than 1000 per month



The reason I don’t like this is simple

They are asking to jump through hoops

And I don’t have direct deposit



Bigger question is:

If I signed up for this new program do I lose my free atm withdrawals



So where I’am I moving too

I’m not a savings junkie

So I’m not moving for half a percent difference

But I do move when things like this do happen



So I switched over to discover:

They don’t have the best rates like wealthfront offering 4% but they have been consistent in the past

I don’t like the limit on the savings of 6 transfer per month, but I don’t plan on moving money around like crazy either so its not a deal breaker for me

They also have incredible customer service



Other options:

Sofi if you have a deposit

Wealthfront if you dotn mind the baiting

Capital one savings 360



But feel free to shop around a bit

I’ll still be using sofi but more of like a daily spend debit card

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*Some of the links and other products that appear on this video are from companies in which Tommy Bryson will earn an affiliate commission or referral bonus. Tommy Bryson is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. I'm an Accountant but I'm not your Accountant, always review information with your Accountant/CPA and your Financial Advisor.

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