SoFi vs Chase

SoFi is a personal loans with low APR and fees. Must have good credit to qualify. How does it compare to Chase? Read our comparison chart below.

	SoFi	Chase
		Member FDIC
	Learn More	Visit Site
	OFFER Refinance Student Loans - Learn More Read SoFi Review	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review
	Benefits and Features
Savings	3.80% APY on savings balances with direct deposit or qualifying deposits (1.00% APY without)	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	N/A	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	0.50% APY on checking balances	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Mobile App	iOS & Android	iOS & Android
ATMs	55,000+ Allpoint ATMs	15,000+ Chase ATMs
Customer Service	Checking and Savings Support: Phone: (855) 456-7634 Monday - Thursday: 5AM - 7PM PT Friday - Sunday: 5AM - 5PM PT 24/7 online chat	Automated service available 24/7
Locations	4 branch locations	Over 4,700
	CreditDonkey® Reviews

Fees
Interest Rates
Eligibility
Savings
CD
Checking
Mobile App
Customer Service
Pros & Cons	Pros: Competitive, fixed rates Low fees No collateral Cons: Slower underwriting process High standards for borrowers	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Personal loans with low APR and fees. Must have good credit to qualify... Read full review	National bank with good promotions for new customers... Read full review
	Learn More	Visit Site
	Refinance Student Loans Personal Loans: Borrow Between $5k-$100k Active Investing with SoFi	Chase First Banking Referral Program - Up to $500 Bonus
Chase: Pricing information and data points from published website as of 08/26/2025.

Which is Better: SoFi or Chase?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing SoFi or Discover Bank.

Articles on SoFi

SoFi Reviews

SoFi offers unsecured personal loans if you need to borrow money ASAP. But is it legit (or not)? Learn how SoFi personal loans actually work.

SoFi Bank

Seeking high rates and a great digital banking experience? SoFi Bank offers solid accounts and a top-rated mobile app. Read on to know more.

SoFi Bank Locations

SoFi is an online bank offering checking and savings accounts. But does it have physical branches? Keep reading to find out.

SoFi High Yield Savings

Want a high APY and easy access to your money? Get the best of both worlds with SoFi's Checking and Savings account.

Articles on Chase

Is Chase a Good Bank

Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

Chase Bank Open Account

Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

Chase Business Checking Promotion

Chase Business Complete Banking offers up to a $500 bonus for new customers with qualifying activities. Find out how to get this limited business checking promotion.