11 Online Banks Offering Unbeatable Perks for the Savvy Saver

2. SoFi Bank

SoFi Bank works hard to stand out in the online banking crowd—and their hybrid checking and savings account is a perk-packed superstar. Open an account, and you could see a welcome bonus up to $300 (assuming you meet the direct deposit requirements). Right now, their savings APY hits up to 4.60%, putting them near the very top of the market. But it’s not just about earning extra—SoFi lets you earn up to 15% cash back on select purchases, snag your paycheck up to two days early, and use spend-tracking tools built right into their well-designed mobile app. Their in-app chat support is a favorite with younger savers who want answers fast, without making a phone call. One real upside: SoFi’s digital dashboard brings together savings, checking, loans, and investing all in one place, so it’s ideal for people juggling multiple money goals. If you want perks on both spending and saving, SoFi’s an all-in-one pick that makes managing finances a lot less stressful.