I know everyone’s trying to be unbanked, but for those that still use banks, do you bank with SoFi? And if so do you recommend it? #asknostr

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Why are you thinking about it?

The high yield savings and having everything within the app (loans, IRA, banking)

I just know the business from an investor POV.

The thesis at the time was indeed their digital first banking format and restructuring of student debt.

Here in South Africa we have so much FinTech that I could see major similarities to them and several local FinTech companies, and if it works here, it'll most certainly work well for the US market.

I mean, who doesn't like an interest bearing savings account in 2025, without the fees.

I’ve been following it for a while but never really pulled the trigger. I’m just curious if anyone’s had any negative experiences with it

Probably.

But this day and age you should be able to ad hoc bank vs be bound to one bank for life.

no

you can never close your account

Really?

yeah, i tried to close a stock account. when i spoke with them over the phone, they told me that it couldn't technically be closed, but they would stop sending me statements and mail. weird.

That is weird. Why did you decide to close your account with them if you don’t mind me asking?

nothing bad on their end.

just consolidated what i had in there into Wifey's account (with another institution)