SoFi Bank’s phone support hours are Monday–Thursday 5:00 AM–7:00 PM PT and Friday–Sunday 5:00 AM–5:00 PM PT. The SoFi mobile app and online banking are available 24/7. SoFi is a fully online bank — there are no physical branches.
SoFi Hours at a Glance
| Service | Hours | Notes |
|---|---|---|
| Phone — 1-855-456-7634 | Mon–Thu 5AM–7PM PT; Fri–Sun 5AM–5PM PT | — |
| Mobile app | 24/7 | iOS and Android |
| Online banking (sofi.com) | 24/7 | — |
| In-app chat | Extended hours | Via app → Help |
| Help Center | 24/7 (self-service) | support.sofi.com |
| Physical branches | None | — |
SoFi Phone Support Hours by Day
| Day | Hours (Pacific Time) | Eastern Time Equivalent |
|---|---|---|
| Monday | 5:00 AM – 7:00 PM | 8:00 AM – 10:00 PM |
| Tuesday | 5:00 AM – 7:00 PM | 8:00 AM – 10:00 PM |
| Wednesday | 5:00 AM – 7:00 PM | 8:00 AM – 10:00 PM |
| Thursday | 5:00 AM – 7:00 PM | 8:00 AM – 10:00 PM |
| Friday | 5:00 AM – 5:00 PM | 8:00 AM – 8:00 PM |
| Saturday | 5:00 AM – 5:00 PM | 8:00 AM – 8:00 PM |
| Sunday | 5:00 AM – 5:00 PM | 8:00 AM – 8:00 PM |
SoFi Holiday Hours
SoFi’s app and online banking are always available. Phone support may be reduced on federal holidays:
| Holiday | 2026 Date | Phone | App |
|---|---|---|---|
| New Year’s Day | Jan 1 | Limited | 24/7 |
| MLK Day | Jan 19 | Normal | 24/7 |
| Presidents’ Day | Feb 16 | Normal | 24/7 |
| Memorial Day | May 25 | Limited | 24/7 |
| Independence Day | Jul 4 | Limited | 24/7 |
| Labor Day | Sep 7 | Limited | 24/7 |
| Thanksgiving | Nov 26 | Limited | 24/7 |
| Christmas | Dec 25 | Limited | 24/7 |
For time-sensitive transactions on holidays, use the SoFi app or sofi.com. ACH transfers initiated on federal holidays will settle the following business day.
What You Can Do in the SoFi App 24/7
SoFi’s app handles nearly all banking tasks without needing to call:
| Task | Available 24/7 |
|---|---|
| Check balances | ✅ |
| Transfer between SoFi accounts | ✅ |
| Send/receive Zelle ($500/day) | ✅ |
| ACH transfer to/from external bank | ✅ |
| Mobile check deposit | ✅ |
| Freeze/unfreeze debit card | ✅ |
| Pay bills | ✅ |
| View statements | ✅ |
Related Guides
- SoFi customer service 2026 — phone number, chat, hours detail
- SoFi fees 2026 — $0 monthly fee, Allpoint ATMs free
- SoFi minimum balance 2026 — $0 minimum, no fee
- SoFi routing number 2026 — 084106768 for direct deposit
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