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We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. , Discover, and SoFi®.4 Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary. 5 SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations.