Our verdict
Samsung Money by SoFi is a mobile-first digital account with a debit card that lets you save, spend and earn rewards. It's available on the Samsung Pay digital wallet, so you'll get a digital and physical debit card. There are no account fees, including no ATM fees within the Allpoint network and no overdraft fees. It's also interest bearing, offering up to 3.75% APY to eligible users. You get checkwriting privileges and free check orders — a rarity among digital accounts. There's a points reward program, too, but it's lackluster. The points expire after 12 months, and you can't redeem the points for cash — they can only be redeemed for Samsung-related purchases or perks.Best for: Samsung users who want a low maintenance interest-bearing account with rewards.
- No monthly fee
- Earn up to 3.75% APY
- Checkwriting privileges and free check orders
- Reward points aren't redeemable for cash
- Reward points expire after 12 months
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APY
0.20%
Fee
$0 per month