SoFi Invest Review February 2026

Set up my own account as a Plus member with my direct deposit. Everything worked fine. Then we decided to make it a joint account with my husband, though we still use Truist locally for bills. Wanted our savings at Sofi because of their high yield interest, plus they support Crypto/Bitcoin/etc. But we were transferring some of my husband's retirement from Meryl Lynch to Robinhood since it was losing money. Meryl Lynch mailed a certified check with my husband's name and Sofi listed. This happened because I requested direct deposit, but they sent a check anyway. We needed it at Sofi to invest through Robinhood. Would've been harder with Truist. So I had to add my husband for joint access to deposit this check. Meryl Lynch actually mailed 2 checks, one small and one large. Getting the joint account established was ridiculously difficult and I deposited both checks through my mobile app right after setting up the joint account. But I didn't realize the joint account wasn't completely set up until Sofi rejected the large check via email. When I contacted them through chat, they claimed it needed to be deposited from my husband's profile instead of mine. Yet they processed the smaller check in my husband's name from my profile when the joint account wasn't fully established. During our chat, they refused to acknowledge their mistake or the inconsistency. That's not acceptable. It created unnecessary stress and work and they made everything so complicated. They kept making excuses without ever explaining why they accepted the smaller check through my profile under my husband's name.