Learn 5 key facts about SoFi Bank locations in 2025, including branch access, ATM options, and how SoFi delivers full banking services without branches.
As more consumers turn to mobile-first banking, SoFi Bank stands out as one of the most trusted names in digital finance. But many still ask: “Where are SoFi Bank branches located?” or “Is there a SoFi Bank near me?” Let’s break down the 5 key facts that answer these questions in 2025 and show you how SoFi makes branchless banking work better than expected.
🔗1. SoFi Bank Has No Traditional Branch Locations
If you’re searching for a SoFi branch to walk into, you won’t find one. SoFi is a digital-only bank, meaning it does not operate physical branch locations like Chase or Bank of America.
SoFi does, however, maintain administrative offices. The most important of these is its bank headquarters:
📍 2750 E Cottonwood Pkwy, Salt Lake City, UT 84121
This branch is not open to the public, it is for licensing, compliance, and internal operations.
🔗2. SoFi Offers Access to Over 55,000 Fee-Free ATMs
While there are no branches, SoFi gives customers access to over 55,000 fee-free ATMs through the Allpoint® Network.
You can easily find a SoFi-friendly ATM in many retail stores like CVS, Walgreens, and Target by using the ATM locator.
📌 Note: SoFi currently does not support cash deposits at ATMs or retail locations.
3. The SoFi Mobile App Replaces the Branch
SoFi’s robust mobile app is built to deliver everyday banking services without needing a branch. Here’s what you can do:
- Deposit checks using your smartphone
- Transfer money between accounts
- Pay bills and set up automatic payments
- Chat with customer service 24/7
- Track your credit score and spending habits
This mobile-first strategy is ideal for people who want full control of their finances at their fingertips.
4. SoFi’s Headquarters Are in Utah, Not a Retail Bank
SoFi Bank, N.A. is federally chartered and based in Salt Lake City, Utah. It’s regulated like a traditional bank but with a lean, tech-driven model.
Besides Salt Lake City, SoFi has business offices in San Francisco and New York, but none of these are customer-facing. If you need help, you can contact support directly through the app, website, or phone—no branch appointment necessary.
5. The Branchless Model Has Clear Pros and a Few Cons
SoFi’s decision to avoid physical branches comes with unique advantages—and a few trade-offs.
| Feature | SoFi Bank | Traditional Bank |
|---|---|---|
| Branches | ❌ None | ✅ Yes |
| ATM Access | ✅ 55,000+ fee-free | ✅ Yes |
| Monthly Fees | ❌ None on most accounts | ⚠️ Often apply |
| Mobile Experience | ✅ Excellent | ⚠️ Varies |
| In-Person Support | ❌ Not available | ✅ Available |
| Cash Deposits | ❌ Not supported | ✅ Supported |
Pros:
- No maintenance or overdraft fees
- High-yield checking and savings
- Seamless digital experience
- Fast account opening online
Cons:
- No cash deposit option
- No face-to-face service
If you’re comfortable managing your money online, SoFi’s modern banking platform delivers everything you need—without the overhead.
👉 Want to know if this model fits your lifestyle? Read SoFi the Right Bank for You in 2025.
Conclusion: What You Need to Know About SoFi Bank Locations
SoFi Bank doesn’t operate physical branches in 2025—but that’s by design. With a user-friendly app, 24/7 support, and thousands of fee-free ATMs, SoFi shows that you don’t need a branch to have a full-service banking experience.
As digital banking becomes the norm, SoFi is helping customers save more, earn more, and manage finances with less friction.
FAQs About SoFi Bank Locations (2025 Edition)
Does SoFi have physical bank branches?
No, SoFi is a fully digital bank and does not operate physical locations for customer banking.
Where is SoFi Bank headquartered?
SoFi Bank, N.A. is headquartered in Salt Lake City, Utah.
Can I access my money if SoFi has no branches?
Yes! You can use the SoFi mobile app, ATM network, and online tools 24/7.
Does SoFi support cash deposits?
Currently, SoFi does not support cash deposits at ATMs or retail partners.