Ally vs. SoFi [2025]: More Account Options or Higher APYs
Ally and SoFi both offer strong APYs and nationwide ATM access. SoFi leads with higher APYs, while Ally offers CD options.
Both Ally and SoFi are online-only and offer above-average APYs on their savings accounts. They also offer APYs on their checking accounts and access to thousands of fee-free ATMs nationwide.
- No account fees or minimums
- Higher APYs than traditional banks
- Nationwide ATM access
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Author's summary: Ally and SoFi offer strong online banking options.