Where SoFi Money shines: 2.25% APY with no minimum balance. No monthly fees, no overdraft fees. Unlimited ATM fee reimbursements and no ATM fees from SoFi. Highly rated mobile apps with a spending tracker. Where SoFi Money falls short: No branches or CDs. No cash deposits accepted. No chat support and no 24/7 phone support.... Spencer Tierney is a writer at NerdWallet.