SoFi vs Wells Fargo
SoFi is a personal loans with low APR and fees. Must have good credit to qualify. How does it compare to Wells Fargo? Read our comparison chart below.
 |  | |
| Learn More | Learn More | |
SoFi | Wells Fargo | |
|---|---|---|
Personal Loans: Borrow Between $5k-$100k - | Wells Fargo Everyday Checking Account - $325 Bonus | |
Benefits and Features | ||
| Savings | 3.80% APY on savings balances with direct deposit or qualifying deposits (1.00% APY without) | 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under. |
| CD | Standard Fixed Term CD available online: 1.01% to 1.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 1.02% to 1.51% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch. | |
| Checking | Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking | |
| Mobile App | ||
| ATMs | 11,000+ ATMs across the country | |
| Customer Service | Checking and Savings Support: Phone: (855) 456-7634 Monday - Thursday: 5AM - 7PM PT Friday - Sunday: 5AM - 5PM PT 24/7 online chat | Available 24 hours a day, 7 days a week. |
| IRA CD | Standard Term CD: 0.01% to 1.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 1.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. | |
| Locations | approximately 4,100 retail banking branches coast to coast | |
CreditDonkey® Reviews | ||
| | |
| Fees |   | |
| Interest Rates | | |
| Eligibility |  | |
| Savings | | |
| CD | | |
| Checking | | |
| Mobile App | | |
| Customer Service | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Personal loans with low APR and fees. Must have good credit to qualify... | A "big 4" bank with a good range of checking accounts and full services... |
| Learn More | Learn More | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Wells Fargo: Pricing information from the published website as of 10/25/2025 is based on the 91101 zip code. | ||
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
Which is Better: SoFi or Wells Fargo?
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 Wells Fargo
Wells Fargo Bank Review
Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.
Wells Fargo Checking Account Bonus
Wells Fargo may offer a cash bonus when you open a checking account. Read on to learn more.
Wells Fargo High Yield Savings Review
Looking for a traditional bank to grow your funds? Wells Fargo offers a high-yield savings account with a decent rate. Read on to find out more.
Wells Fargo Bank CD Rates
Wells Fargo is one of the largest banks in the U.S. Should you get a Wells Fargo CD? Might be worth considering. Learn more.
Wells Fargo Bank Hours
Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.
Wells Fargo Routing Number
Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.
Which Do You Think is Best?
Which Bank Account is Right for You?
You Might Also Like
Banks That Don't Use ChexSystems
Denied a bank account due to your poor banking history? Fret not, some banks don't check your ChexSystems report.
Personal Loans with No Origination Fees
The best personal loans with no origination fees include SoFi, PenFed, and Discover®. Here's what makes them stand out.
Next Page: SoFi Personal Loan Review
