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SoFi Checking and Savings: overdraft fee & grace period

Checked against SoFi’s own pages on October 26, 2026. 2 facts verified, 3 not confirmed.

Forgiveness score 2 of 11breathing room
Overdraft fee
Overdraft Coverage covers debit card purchases up to $50 with no fee.
Source: support.sofi.com/hc/en-us/articles/managing-overdraft-coverage
Grace period / breathing room
No-fee Overdraft Coverage up to $50 on SoFi debit card purchases only, for members with $1,000+ in eligible direct deposits every 31 days. Not for P2P, bill pay or checks.
Source: sofi.com/banking/overdraft-services/ · support.sofi.com/hc/en-us/articles/managing-overdraft-coverage
Can you turn overdraft off?
Not confirmed — we couldn’t verify this on an official page yet
Card lock / blocking
Not confirmed — we couldn’t verify this on an official page yet
ADHD-friendly features
Not confirmed — we couldn’t verify this on an official page yet

Not applicable here: Late fee, First late fee waived?, Autopay.

“Not confirmed” means we couldn’t verify it on an official page, not that the feature doesn’t exist. Not financial advice: always check the source, since your own account terms may differ.

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