SoFi customers have fees or minimums where One customers do not pay any fees and do not have account minimums. SoFi customers do not have the option to get paid early with direct deposit where One customers with qualifying direct deposits can get paid up to two days early.** SoFi customers can only earn .01% APY on their SoFi savings and only .25% APY when they automatically save where One customers can earn 1.00% APY* in their Save Pocket and 3.00% APY* in their Auto-Save Pocket. SoFi customers do not have the option to enroll in overdraft protection where One customers can enroll in fee-free overdraft protection. SoFi customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. SoFi customers are limited to sharing an account with one person where One customers can share up to 99 Pockets.