Fee Type SoFi Ally Monthly fees No monthly fees No monthly fees Overdraft fees No overdraft fees, though you must set up at least $1,000 in direct deposits each month for coverage No overdraft fees ATM access and reimbursement Free access to 55,000+ Allpoint ATMs -Free access to 75,000+ Allpoint ATMs * New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more).