What is SoFi Money? | Sign Up by August 5th for an Amazing Bonus! | Updated!

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This post is a little different from most that I’ve written here. Usually, I offer a review of a product or service that’s related to building an online business such as How to Learn About Affiliate Marketing or The My LeadGen Secret Review | A Rare, Legitimate Program for 2019. Still, this opportunity was just too good to pass up and I wanted to make sure you were aware of it.

Today I’m going to talk about a great offer from SoFi Money that can nab you quite a bit of cash if you take advantage of it quickly. In fact, the amazing bonus is only good through August 5th, 2019 so, I’m rushing this post out today rather than on my regular schedule.


The August 5th cut-off was actually for the $50,000 drawing.  The $50 bonus is still in effect so, if you were considering joining up, follow my link and make that $50!

You may be thinking “OK, what is SoFi Money then?”. I’ll cover that and more in the next sections. We’ll also cover the amazing bonus (which is actually two offerings), why you should use SoFi even beyond the August 5th deadline and what else they offer.

Regardless of your initial reasons for joining SoFi, I do highly recommend them and use them myself.

Let’s get started…


So, What is SoFi Money?So, What is SoFi Money?

To hear their spiel… “SoFi Money is a mobile-first banking experience powered by the SoFi app and SoFi Money Debit Card®. SoFi Money is a deposit account. What does that mean for you? Essentially, it functions like a checking account,

but it pays a higher interest rate on your deposits. The funds in your SoFi Money account are held and insured by one of our partner banks. SoFi provides everything else, including the SoFi Money Debit Card, our easy-to-use iOS and Android apps, a web interface, and customer support that really cares about helping you reach your next milestone.”

What this basically means is that SoFi is a kind of middle man between you and several banks. From your perspective, you’re just dealing with one institution and it’s all done online. You don’t have to set up accounts with these other banks or anything like that.

So, why would you want to do this? Simplicity, protection, and money of course. SoFi is just like most banks in the way you use it. You can use checks, a debit Visa card, transfer between accounts, send money, use bill pay, etc. You can also use your debit card at thousands of ATMs around the world too. They even allow you to set up joint accounts!

OK, so you talked about simplicity and what I get but you didn’t really talk money yet. That’s true. So let me start with this. I signed up for SoFi a few months back because of their great interest rate. I have an account at J.P. Morgan Chase. Guess what my checking service offers me as far as interest goes; 0%. Guess what my savings account gives me; .01%. SoFi gives me 2.25% on my account.


With the Feds lowering interest rates, SoFi’s rate has also been reduced from 2.25% to 2%.

How much will SoFi cost you? Nothing… That’s right, SoFi doesn’t charge you a monthly service fee or require account minimums. They don’t even charge an overdraft fee! When you access an ATM, they don’t charge transaction fees and, if the ATM has the VISA logo somewhere on it, they’ll reimburse you for any charges that institution ma impose. You can even travel the world and not worry about foreign transaction fees!

Another great thing with SoFi is because they spread your funds across multiple financial institutions, your money is insured by the FDIC for up to 1.5 Million dollars vs the $250K protection provided at a single bank.

They even offer membership perks. As a SoFi member, you can take advantage of their member benefits. These include career coaching, member advisory board, member experiences, and their referral program.

So how does SoFi make money? That’s a great question too. They don’t have the overhead of physical branches to deal with so their costs are considerably less than a traditional bank. They do make a small amount of interest on the money in your account and through network fees when you swipe your card at various locations. They also make money on SoFi’s other offerings (more about those later).

Now, there are some fees that will be charged for certain services. If you need a replacement card, the first replacement is free but each additional one beyond that is $20. If you want the card rush delivery then that’s $25. If you need to put a stop payment on a check, it will cost you $20 to do so and, finally, if you require statement research/legal processing, that will run you $100.

I do 95% of tasks online as it is. Why not make the change? No fees, a much better interest rate and great financial protection. It just makes sense.

Tell Me About This Amazing BonusTell Me About This Amazing Bonus

Before I get into this I want to let you know that this is a legitimate offer and not some scam, even though it does really sound too good to be true.  To that effect, you can call SoFi’s customer support at 855-456-7634 (SoFi) and verify the offer.  You can also see that this is their actual Customer Support phone number pulled directly from their Contact Us page.

So, If the above wasn’t enough to get you to check SoFi out, consider this. From now until 11:59:59 PM (I’m not sure which time zone) on August 5th, 2019, if you sign up for a SoFi account by following one of my links in this post, and fund it with a minimum of $100 within 14 days, you’ll receive a $50 bonus. That’s a 50% profit on a $100 deposit!

Again the August 5th cut-off was not for the $50 bonus but rather the $50,000 drawing.  The bonus is still available.

Better yet, I will also get a $50 bonus if you do so and, once you’re signed up, you can share this opportunity with others too and earn yourself $50 for everyone that signs up before the deadline and funds their accounts with $100 within 14 days. You can keep doing this up to $10,000 in bonuses.

That’s the real reason I rushed this post out. SoFi is already great but why not reap the rewards this bonus has to offer? My site is not about making money fast or getting rich quick but when I do see a legitimate opportunity, I do try to get that out to you as soon as possible.

I can tell you this offer is legitimate. I’ve already shared it with my friends, family, and co-workers. Do yourself a favor and get the $50 bonus for yourself at least.

Should I Use SoFi Even When the Bonus has Passed?Should I Use SoFi Even When the Bonus has Passed?

In short, yes. As I said, I signed up a few months ago. I’ve already earned more interest in those few months on $100 then I did all last year at Chase and haven’t paid a single fee. It’s really a no-brainer. I’m actually considering closing my Chase accounts and just using SoFi for everything.

In the end, the choice is up to you but what do you really have to lose? I see it as a win-win.

At the very least, consider them for an additional account, if you don’t want to replace your current bank altogether. I think, once you’ve tried them out, you’ll be quite pleased.

What Else do They Offer?

So this post was all about SoFi Money but SoFi is much more than that. They offer several services that may be beneficial to you. Here’s a listing of their current offerings and a very brief description line for each (I don’t want to make this a multi-page review and these other services are outside the scope of SoFi Money).

What Else do They Offer?




Lock in lower rates and monthly payments.

Become an investor for free!
Student Loan Refinancing

Refinance your student loans and save a ton!

SoFi Invest

Invest like a pro without being one.

Medical Resident

Low rates and no compounding interest during residency are just a couple of features offered by this program.

Stock Bits

Invest in partial shares.

Parent PLUS

Having kids was the hard part. Finding a better loan is the easy part.

Active Investing

Become an investor without fees.

Private Student Loans

Check out their no-fee options. Chances are, you’ll find a better loan here.

Automated Investing

SoFi will build and manage a portfolio for you without charging a management fee.


Low-rate loans, fast and easy.


An easy, low-cost way to diversify your portfolio.


Competitive rates, no fees, no fuss.


Products to manage your money.

Parent Student

Help pay the way for your child’s education.

SoFi Money

What this review is all about.

Personal Loans

Pay off credit cards or get started on those home improvements.

SoFi Relay

Track all of your finances in one place to stay on track and hit your goals.

Home Improvement

Focus less on budget and more on building.


Protect your property and loved ones.

Credit Card Consolidation

Get back in control and pay off high-interest credit card debt.

SoFi Protect

Articles and resources relating to protecting your assets and loved ones.

Home Loans

Competitive rates and affordable down payments.

Renters Insurance

Instant, affordable and easy to understand renter’s insurance.


As little as 10% down.

Homeowners Insurance

No brokers. No paperwork. Starting at $25 per month.

Mortgage Refinancing

Lock in a lower rate and payment.

Auto Insurance

Save up to 52% on car insurance.

Jumbo Mortgage

10% down and no PMI!

Life Insurance

Affordable term life insurance that’s quick and easy to understand.

As you can see, they don’t just do banking. If you want to know more details about one of the features listed above, please visit their website at https://www.sofi.com.


I forgot to mention that each time you refer someone who signs up and takes advantage of the bonus promotion, you’re entered into a sweepstake to win $50,000!  I thought that warranted an update to this post.

This is the bonus that expired on August 5th.


I hope I’ve answered the question “What is SoFi Money” in this post and that you see the advantages of having an account with them, not to mention the current bonus they’re offering. All-in-all, I believe this is a great option for anyone out there but, that’s me. What matters is what you think is right for you.

If you think SoFi is right for you, please follow this link to take advantage of the amazing bonus offer.

I already took the plunge. The real question is will you be taking advantage of SoFi’s offering too? Are you already a member? What are your thoughts on SoFi in general? Is there another online banking platform that you recommend? Please let me know by commenting below.

Thank you,

Scott Hinkle



49 thoughts on “What is SoFi Money? | Sign Up by August 5th for an Amazing Bonus! | Updated!”

  1. Aly says:

    Interesting post, I hadn’t heard of sofi money before coming across this post. I don’t enjoy the thought of signing up for another banking account, and even though the $50 / 50% bonus is nice, it does come at a cost of having to move money around and another thing to keep up with. How fast did you find that you had your bonus deposited? No overdraft fees sounds hard to imagine… Are there any caveats / fees to close the account?

    1. Scott Hinkle says:

      I totally get that.  I only joined SoFi because of the better interest rate.  I was tired of being treated like it’s a privilege for me to have my money in someone else’s institution.  The way I see it, it’s a privilege for that institution to have my money.

      There really are no fees to speak of other than what I listed in the article.  You can close the account at any time without penalty.


    2. Scott Hinkle says:

      So, I just signed up my mother-in-law. I’ll come back and tell you when I see the bonus applied. I suspect it will be a couple of days though so you might run out of time for this special offer before I can provide that confirmation…

    3. Scott Hinkle says:

      So I just checked my account and my mother-in-law’s. The money is in both already. It shows as Money Referral Bonus in my account and Money Welcome Bonus in hers. Not bad since we signed up today too!

  2. akborm says:


         SoFi money is a mobile-first banking system that is maintained by the SoFi app & debit card. After researching on this I found that it was a superb banking system.

    There are so many advantages to this bank. They give loan private students without any fees as well as they help students in many ways what I like most. And also they have some good options like investment, insurance, etc. l am very much interested in SoFi money.

    1. Scott Hinkle says:

      Hello there,

           I’m glad you took a look and confirmed what I’ve said in my post.  It’s really a win-win opportunity.  Let me know if you do sign up and please, use my link when you do.


  3. Scott Hinkle says:

    LOL, I forgot to mention the $50,000 sweepstake entry you get every time someone signs up using your link. Just another potential reward…

  4. SeunJeremiah says:

    Thanks for sharing this informative post, this is the first time I’m coming across SoFi , it does sound like a good deal knowing there isn’t really really unnecessary charges attached to it,  I’ll be willing to give this a chance before the 5th of August and also partake in the ongoing benefit attached to it. Thanks once again 

    1. Scott Hinkle says:

      Like I said, I joined up a few months back and I like the service I’m getting.  I also setup my mother-in-law today and we both got the $50 bonus so there’s that.

      I shared it with everyone at my office today and I’m signing my mother up tomorrow.

  5. Nuttanee says:

    Thank you for bringing attention to SoFi money. I really have to take advantage before the offer expires.

    I love the fact that I can withdraw cash from any ATM and, most of all, no overdraft fees! These 2 are big for me. 

    As you can probably tell, I like spending money, LOL. The $50 after the first deposit of $100 or more is very lucrative.

    This is the first time that I have heard about SoFi money and I like all the perks. I will sign up before August 5th. 

    Thanks again.

    1. Scott Hinkle says:


           It really is a great offer and the interest rate beats when I get from any bank in my area.

      Who doesn’t like to spend money?

      I’m glad you’re going to sign up.  Let me know what you think after you’ve used their services for a while.


  6. Henry says:

    Hi Scott!

         Thank you for sharing this info. I realize the sooner you put out this post the better (both for you and for us too). I’ll take advantage of this offer. It seems really simple to sign-up. And there are many more benefits besides the 50% gain on our $100 deposit! I’m in!

    1. Scott Hinkle says:

      Hello there,

           Yes, the signup process is very simple.  You can have your account all set up in about 10 minutes or less.

      To get the bonus you have to follow my link or you’re just signing up for an account with no bonus.

      Thanks again,


  7. Christine says:

    Thank you for sharing the information on Sofi Money.

         I heard of this before but never looked at it in detail. I do all my banking online. I will consider having a new account with Sofi Money for all the bonuses. 

    I like it when there is no monthly fee.                                       

    1. Scott Hinkle says:

      I’m happy to share what I can.

      There are actually a few institutions doing online banking like SoFi is now and they all hover around the same interest rate but none of them are offering this signup bonus.

      I’ve been with them for some time now and have not had one fee charged to me at all.  I really am thinking of closing my Chase accounts.

  8. Anthony Hu says:

    Thanks for your post and sharing the money-earning opportunities with us. The offer sounds so nice. If I sign up before Aug. 5 and fund with $100 within 14 days, I will receive $50 bonus, a 50% profit without doing anything. Great deals!

    I am currently banking at Chase. I am not happy with their interest rate. Do you know the interest rate I put my money in SoFi. I am looking for something like this for a while now and wish to find good interest rate bank.

    It is very kind of you letting us know the chance to make few quick dollars.

    1. Scott Hinkle says:


           You’re welcome.  I too am at Chase and they’re OK but SoFi is so much better (unless you need an in-person experience as SoFi has no physical locations).

      The current interest rate is 2.25% on all funds in your SoFi Account.

      Thanks for commenting,


  9. Pentrental says:

    I hadn’t heard much about SoFi Money until I came across your post here so this information is much appreciated. I’m glad to hear that this product’s cost is $0.

    To me that says it’s legit unlike many of the scams out there who will charge you a little upfront or monthly and then hit you with upsells.

    2.25% is pretty outstanding, especially when compared to a saving account’s interest rate.

    This product sounds like a keeper and I’ll definitely be checking it out further through your links, well done!

    1. Scott Hinkle says:


           I came across SoFi a few month’s back and figured, what the hell, I’ll open an account.  It was quick and easy.  I got my Visa debit card a few days later and just ordered checks (again a free service) the other day.  I’ve already seen interest added to my account and the bonus from signing my mother-in-law up yesterday has already been credited to my account too!

      So far, I can’t see any downside to it, honestly.

      Thanks for taking the time to comment,


  10. Snigdha Alam says:

    Hello Scott Hinkle!
         So I think this will be good as you said this is legitimate. It puts some doubt in my mind when I hear something like a bonus or free sign up.

    How much would you give SoFi Money out of 10 as a rating?

    So this is like a bank account as far I have come to know. How does it work? How do they give a 50% bonus on a deposit? What is the minimum limit of deposits? Will you please give me this information?

    Thanks for the review.

    1. Scott Hinkle says:


           Honestly, I’d give it a 10 out of 10.  I don’t have a need to walk into a branch as I do everything online so, they meet my needs perfectly.

      Basically, they’re offering this bonus as a way to get their brand out there and known.  They limit the amount you can make from this offer to $10,000 as a way to limit their exposure but it’s pretty much a loss leader for them that they have budgeted for.  Think of it as a marketing expense for them.

      They do make money.  They earn interest off of your deposits and they get transaction fees from the Visa network.  The interest they earn is more than the 2.25% they give you.  Also, I don’t know if you know this but merchants pay a percentage to the credit card networks as a fee for being able to accept the cards.  That money is paid to the various financial institutions, etc.

      Between those two income streams and their other offerings (loans and whatnot), they make quite a bit of money and have less overhead than traditional, brick and mortar, banks.

      That’s how they can run this promotion.

      I totally understand your skepticism and you’re not required to take advantage of this offer.  I just wanted to share it with everyone because it is such a great opportunity to make a quick $50+ with no much effort.

      Thank you,


  11. Harber says:

    Hello there,
         Indeed this is a great banking site. This is helpful for students as well since they don’t charge extra fees. It would be beneficial for us all to have an account.

    Although this is the first time I’ve come across SoFi, I think this is a really good opportunity.

    Thank you so much for sharing your thoughts!

    1. Scott Hinkle says:


           Yes, it is a great place for students too. Especially those looking to obtain or refinance a loan.

      I too, think it would be beneficial for most people to take advantage of this online bank, with or without the offer (although the offer is better of course).

      I’m happy to offer opportunities when I come across them.

      Thanks for commenting,


  12. Feochadan says:

    What a brilliant idea!  Without having to keep up a storefront, Sofi can offer such benefits to their clients.  With so many of us going paperless, I rarely (if ever) visit my bank anyways so I can see where Sofi would be a HUGE benefit.

    It does everything your brick and mortar bank does but better, it seems.  With an ATM card, who really needs a centralized bank anymore?  Thank you for turning this article out so quickly so that people can take advantage of this wonderful deal.  I’ve forwarded this blog onto a friend already.

    I take it that this is available in the US only?  Your article doesn’t specify.  Thank you for writing such a timely and well-worded article!

    1. Scott Hinkle says:


           That’s a great question!  As far as I know, yes it’s the US only.  I’m making that assumption based on FDIC protection…  I may be wrong but that’s my educated guess.

      It really is a digital world now.  Why not have a virtual bank too?



  13. Ibrahim says:

    Wow!  That is a HUGE interest rate for deposits nowadays.  It’s still not as good as it used to be for me, but that is certainly better than what’s offered now.  I used to have this bank in 2004 called ING direct and their interest rate was around 4%.  That all changed after 2008.  I haven’t seen anything over 1% since then so this is refreshing!

    1. Scott Hinkle says:

      I know…  banks used to offer great interest rated but that all died.  Still, 2.25% is way better than .01%.  That’s why I joined SoFi months ago.  This recent bonus is just a perk that wasn’t available when I signed up, sadly.  Still, I’m happy I did.

  14. My Daily Pointers says:

    I am curious as to why the banks would associate themselves with this or perhaps they dont actually do that?  I am a bit confused.

    Also is this only applicable in the United States – I would highly doubt that this can be used in Canada.  I believe the rules with the financial institutions are much stricter.

    Can you let me know if this is valid elsewhere?

    1. Scott Hinkle says:

      I’m not sure as to the inter workings and agreements they have with the banks.  I can assume the banks don’t advertise them.

      As far as I know, this is a US option only but that’s just me basing it off of the FDIC insurance coverage.



  15. Selenity Jade says:

    Hi!  Thanks for the amazing opportunity!  I’m debating on trying it out, though I like my current bank’s no fees.  My only issue with my current bank is the hold on my paychecks.  Even though I deposit the same check from the same company every two weeks on a Friday, they absolutely have to hold it until the next business day, which is Monday.  Like really? My old bank, which charged fees, if I went into the branch to deposit it, it was immediately available.  Does SoFi keep a hold on normal paychecks?  I can understand if they did it with two-party checks, but my job doesn’t do direct deposit, unfortunately.

    Thanks a ton for your article!

    1. Scott Hinkle says:


           I don’t have my paychecks sent there yet, I just did a transfer from my Chase account,  so I’m not sure about holds.  I’m not sure if this will help but check it out:


  16. Abagatan says:

    Thank you for this information on a new banking system. I would be happy to use it since it is advantageous to depositors, it’s free, higher interest and higher amount of protection coverage. Hoping their expansion coverage includes my country, Philippines.

    In banking, we always look for the most convenient, higher interest and security. Hard-earned money must be in a safe place and SoFi Money seems to offer this.


    1. Scott Hinkle says:

      It is a pretty great deal.  That said, I don’t think it is available in your country.  The funds are FDIC insured and they need your social security number to open the account.

      Let me know if they do offer you something though.  That would be good to know.

  17. MissusB says:

    It looks like Sofi Money even gives a better deal than what your established banks would offer. What I like most about it is the higher interest rate you can get from it plus your money is FDIC protected meaning it’s really legitimate.The processing fees are quite considerable too because it’s common for other banks to charge you with their card transactions. 

    Getting a $50 bonus for setting up an account with a minimum fund of $100 is a rare promo.It could be that Sofi money is popularasing itself globally which is by the way a great idea to reach out to many people.It has a lot of offers too – from financial loans to savings and insurance. This is a rare opportunity coming from a legitimate deposit account. Thanks for sharing this great news!

    1. Scott Hinkle says:

      So true.  I can verify that the bank is legit and the bonus offer is too.  I’m not sure about the global expansion though, although I can see that coming down the line.

      Thanks for commenting,


  18. Dave Sweney says:

    Thanks for explaining clearly what the SoFi Money opportunity is all about. I had been asked by some of my friends about whether it was something they should consider spending some time and effort on, and I promised them I would do some research to see what it was all about.

    Apparently, there is quite a bit of buzz about the program, and after reading through your description of the platform, I can understand why. The features and benefits are truly worth signing up for, and almost anyone can use the platform to make their online transactions and also earn more interest than having the money sit in a typical bank account (like I do now).

    The $50 signup bonus that you get also when someone uses your link is great. Is that program going to continue after 5 August or is that the end? I will get on this right away as I am always looking for better ways to handle money for the many online transactions I place each month. Great opportunity and thanks for sharing. I will be letting my friends know they should jump in right now! 

    1. Scott Hinkle says:


           I really do love the convenience it offers.  As far as I know, the $50 bonus offer ends at 11:59:59 PM on August 5th.

      Thank you,


  19. Matthew says:

    OK, I I’ve heard quite a bit about SoFi Money but I always thought it was just like PayPal which is clearly not the case

    Lately, I have been thinking of not using my usual bank as the interest isn’t as good as some of these online e banking systems that are out there

    It seems like online banking is the way forward and could maybe even get a little more interest than I’m getting now but how safe would my money be if it was in an online bank as opposed to a real bank?

    1. Scott Hinkle says:

      Hello there,

           Your money is actually kept in “real” banks.  It spread across multiple banks which is why it’s FDIC insured up to $ 1.5 Million.  As far as I can tell, it’s very safe.  I’ve had no issues in the months that I’ve had my account so far.

      Thanks for commenting,


  20. Nate MC says:

    Wow, SoFi sounds awesome. And the accounts are FDIC insured, which is good. I’ve heard of many services trying to do what SoFi is doing, but it seems like they are in a league of their own!

    I actually like that they have investment services you can take advantage of. I’m going to bookmark this page and will seriously consider opening up a SoFi account!

    1. Scott Hinkle says:

      Yes, they really do have a lot of services to offer.  Let me know if you do end up opening an account.  I’d love to hear your opinion of them once you’ve started using them.

      Thank you,


  21. Henderson says:

    I think this is a really great offer and anyone who wants to save money while making money should tap into this opportunity. I’m not sure I’ve heard of Sofi Money before but after reading about their interest rate and how cards don’t get charged after using ATM’s or paying bills worldwide, I’m definitely in. 

    1. Scott Hinkle says:


           The Money product is just one of SoFi’s many offerings.  They have a large student loan business, among others.  It really is a great offer.  That’s why I’m sharing it.

      Thanks for commenting,


  22. Alenka says:

    Thanks for the heads up on this one. Sofi sounds like a great opportunity to earn some extra cash. Their savings interest rate is really great, puts the other greedy banks to shame. Not to mention their no fees policy. In fact, if I were eligible, which sadly I am not, I would be signing up in a flash. 

    Thank you again for this great article and looking forward to more (and world-wide offers too, please)

    1. Scott Hinkle says:


           I’m sorry it’s not offered outside the US at this time.  I don’t know the reason for that but I suspect it’s all the international banking laws and whatnot.  That said, I suspect similar offerings will probably pop up in other countries as online banking becomes more mainstream.

      Thank you,


  23. RoDarrick says:

    This is a fabulous review you have written up here concerning this SoFi Money.

    Initially, I didn’t know anything about it, I only read this post out of curiosity but I am so delighted that I did. This seems like a very great opportunity to make a few extra bucks and, if well maximized, could really stack up quite a lot of cash. The referral got my full attention and I will try it out, that could really be a game-changer for my currently lean financial position.


    1. Scott Hinkle says:

      Thank you for the compliment.

      SoFi has been trying to get their offering out there and this latest bonus will probably do the trick.  You’re right.  If you do share it with others, you can make quite a nice sum.

      Let me know what you think of them after you’ve used them for a bit.

      Thank you,


  24. Wayne says:

    Hello, Scott and I would have to agree that this sounds like an amazing opportunity and it covers so many options.

    Can’t say that I have heard of this “Bank” but it seems legit and the bonuses would be enough for me to take advantage of this.  I do have a couple of questions though.  Does this work with Visa or is it just with their debit card? and 2.  Is this available to anyone around the world or just in the U. S.?

    I’m going to check it out some more and see what I can find out.

    Again, this sounds really good and, yes, I like the interest rates as well. I deal with a credit union but I think their rates are lower by at least a percentage as well.

    My biggest beef with banks is that they make so much money for themselves with “OUR” money you would think they could give more back to us in some higher interest rates.  Some of our national banks make 100’s of millions of dollars EVERY quarter in profits and they only give is pennies back in interest.

    Sorry for the short rant and thanks again for the info.


    1. Scott Hinkle says:

      Hello Wayne,

           As far as I can tell, this is a US-only bank right now.  As for the card, it’s a VISA card, so you can use it as a credit card and it’s a debit card so you can use it at ATMs with your PIN to withdraw money, etc.

      I know, I was so mad at a local bank here when I opened a construction account and told them that it would be used for that purpose with large sums of money being taken out to pay for services and equipment, etc. only to have them reject a charge and make me look like I was trying to defraud a company when I went in to buy supplies.  I went to that bank and their take on it was that it was a privilege for me to have my money in their bank.  I told them to cut me a cashier’s check now and close my account.  It’s a privilege for them to have my money, not the other way around.

      That’s pretty much when I decided to look at other options…

      Thank you,


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