有用SOFI bank 的吗

他家saving interest rate is about 4%. 现在真不知道哪个银行可靠

这种online banking都差不多，想要拿利息就得忍受他们的不方便，转钱出来超级慢，要几天才到账，着急用钱的时候真的是急死。目前还是觉得fidelity稍微靠谱点，转账出来一般都很快，一天到账。

就是这个吧，看着不咋的，而且4%的活期利息比比皆是，没必要用它吧。
https://en.wikipedia.org/wiki/SoFi
In 2022, SoFi launched SoFi Money under SoFi Bank, a checking and savings account. The previous cash management account was deprecated to pay zero percent interest, which caused controversy.
On March 3, 2023, SoFi sued the Biden administration to block the pause on student loan repayment, saying it was hurting its business.

正用着，不急着用钱的话没事就那么放的，反正也一样是FDIC

钱转入转出都很麻烦，说是每天5万的限额，往往要等到第三四天后才能转第二笔钱，大额要前前后后转个一个月。但其他网上银行也同样的毛病