Are you searching for SoFi Bank locations to manage your finances, deposit a check, or find a fee-free ATM? With SoFi’s explosive growth—over $41 billion in assets and $33 billion in deposits—many customers are curious about where to find SoFi Bank branches, ATMs, and offices. While SoFi is known for its digital-first approach, it also maintains a select number of physical branches and a vast ATM network. This comprehensive guide to SoFi Bank locations will help you navigate every option, from brick-and-mortar branches to 55,000+ Allpoint ATMs and SoFi’s major corporate offices. Whether you’re a new customer or a longtime member, use our interactive map and expert tips to find your nearest SoFi Bank location today.

Key Takeaways: SoFi Bank Locations

• SoFi Bank operates 4 physical branches in California and Utah, with headquarters in Salt Lake City.
• Customers enjoy access to 55,000+ fee-free Allpoint ATMs nationwide—no SoFi branding required.
• SoFi’s major offices are located in San Francisco, Cottonwood Heights (UT), Jacksonville (FL), and more.
• The SoFi app and website provide digital banking nationwide, making physical visits optional for most users.
• Use the official SoFi Bank locations map and ATM locator for the most accurate, up-to-date information.

Understanding SoFi Bank’s Hybrid Model

Digital-First, Physical-Ready

SoFi Bank has redefined modern banking by blending digital convenience with select in-person services. While most customers use the SoFi app for everyday banking, some prefer the reassurance of a physical branch or need access to cash via ATMs. SoFi’s acquisition of Golden Pacific Bank in 2022 expanded its physical footprint, giving it a handful of full-service branches and a robust presence in key markets.

Why SoFi Bank Locations Matter

• Hybrid Banking: Enjoy the flexibility of digital banking with the option for in-person support.
• Local Presence: Physical branches offer personal service, loan consultations, and community engagement.
• ATM Access: Fee-free withdrawals at thousands of locations make SoFi competitive with traditional banks.

Physical Branch Locations: Where to Find SoFi Bank

SoFi Bank’s physical branches are limited but strategically placed for maximum impact. Here’s a detailed look at each location, including addresses, hours, services, and directions.

SoFi Bank, National Association (Headquarters)

• Address: 2750 E Cottonwood Pkwy, Salt Lake City, UT 84121
• City/State: Salt Lake City, UT
• Key Services: Deposits, loans, full-service banking, customer support
• Routing Number: 124303162
• Directions: Located in the Cottonwood Heights business district, easily accessible from I-215.
• Reviews: Customers praise the knowledgeable staff and modern facilities.

Live Oak Branch

• Address: 9960 Live Oak Blvd, Live Oak, CA 95953
• City/State: Live Oak, CA
• Key Services: Full-service office, personal and business banking
• Routing Number: 121141399
• Directions: Situated on Live Oak Blvd, near the intersection with Pennington Rd.
• Reviews: Known for friendly service and efficient account setup.

Yuba City Branch 04

• Address: 620 N Walton Ave, Yuba City, CA 95993
• City/State: Yuba City, CA
• Key Services: Retail banking, deposits, loans, customer service
• Routing Number: 121141399
• Directions: North of downtown Yuba City, close to shopping centers and public transit.
• Reviews: Appreciated for its convenient location and helpful staff.

Sacramento Office Branch

• Address: 1409 28th St, Sacramento, CA 95816
• City/State: Sacramento, CA
• Key Services: Operations hub, limited in-person banking
• Routing Number: 121141399
• Directions: Located in Midtown Sacramento, near Sutter’s Fort State Historic Park.
• Reviews: Primarily an operations center, but some customer services available by appointment.

Branch History and Local SEO Tips

SoFi’s physical branches originated from the acquisition of Golden Pacific Bank, established in 1986. After the rebrand, these locations now serve as SoFi’s primary in-person banking hubs. For local customers, leaving a Google review or checking in on social media can help boost your branch’s visibility in local search results.

SoFi Bank ATM Network: 55,000+ Fee-Free Locations

Allpoint ATMs: Nationwide Access

SoFi Bank customers have access to over 55,000 fee-free Allpoint ATMs across the United States and internationally. These ATMs are found in popular retailers like CVS, Walgreens, Target, and Safeway, making cash withdrawals convenient wherever you are.

How to Find a SoFi Bank ATM

• ATM Locator Tool: Visit sofi.com/banking/atm-locations and enter your ZIP code or city.
• Mobile App: Use the SoFi app’s ATM finder for real-time directions.
• Google Maps: Search “Allpoint ATM near me” for instant results.

Example ATM Locations in California and Utah

• California:
  • CVS, 1201 Market St, San Francisco, CA 94103
  • Walgreens, 333 Market St, San Diego, CA 92101
• Utah:
  • Target, 1110 S 300 W, Salt Lake City, UT 84101
  • CVS, 2100 S State St, Salt Lake City, UT 84115

ATM Network vs. Competitors

SoFi’s ATM network is one of the largest among digital banks, rivaling or surpassing traditional banks in coverage. Unlike some competitors, SoFi does not charge fees for using Allpoint ATMs, and international access is available for travelers.

Embeddable Map for Your Blog

To help users find ATMs, consider embedding a Google Map or SoFi’s ATM locator widget on your business blog. Use alt text like “SoFi Bank ATM locations map” for accessibility and SEO.

SoFi Bank Corporate Offices: Where the Magic Happens

San Francisco Headquarters

• Location: 234 1st St, San Francisco, CA 94105
• Role: Innovation hub, executive offices, product development
• Fun Fact: The HQ is in the heart of the city’s tech district, fostering a culture of fintech innovation.

Cottonwood Heights (Salt Lake City), Utah

• Location: 2750 E Cottonwood Pkwy, Salt Lake City, UT 84121
• Role: Operations, customer service, over 500 employees
• Proximity: Shares address with the main SoFi Bank branch, making it a central hub for both banking and corporate operations.

Jacksonville, Florida

• Location: 501 Riverside Ave, Jacksonville, FL 32202
• Role: Member relations, customer support, 200+ staff
• Specialty: Focuses on member experience and support for SoFi’s growing customer base in the Southeast.

Other Key Offices

• Greenville, SC: Tech and operations
• Helena, MT: Compliance and regulatory
• New York City, NY: Investment and wealth management
• Frisco, TX: Regional operations

These offices support SoFi’s nationwide reach and ensure that customers have access to expert support, regardless of location. For job seekers, these offices represent opportunities in fintech, customer service, and operations.

Digital Alternatives & SoFi’s Expansion

App-First Banking: No Branch Needed

SoFi’s digital-first approach means that most customers never need to visit a physical branch. The SoFi app and website offer:

• 24/7 account access
• Mobile check deposit
• Instant transfers and bill pay
• Credit score monitoring
• Investment and loan management

Future Expansion: What’s Next for SoFi Bank Locations?

With the fintech sector booming, SoFi is poised for further growth in 2026 and beyond. While there are no immediate plans for a large-scale branch rollout, SoFi continues to invest in digital infrastructure and may expand its physical presence in key markets as demand grows.

Frequently Asked Questions

Are SoFi Bank locations open 24/7?

• Branches: No, physical branches have standard banking hours (typically 9am–5pm, Mon–Fri).
• ATMs: Yes, Allpoint ATMs are accessible 24/7 at participating retailers.

What’s the closest SoFi Bank location to me?

• Use the SoFi Bank locations map or ATM locator tool online or in the app for instant results based on your ZIP code or city.

Can I deposit cash at SoFi Bank locations?

• Cash deposits are not available at SoFi ATMs, but you can deposit checks via the mobile app or transfer funds electronically.

How to Optimize Your Search for SoFi Bank Locations

Local SEO Tips for Users and Businesses

• Use “SoFi Bank locations near me” in Google for the most relevant results.
• Enable location services on your device for instant ATM and branch directions.
• Leave reviews and upload photos of your local branch to help others find accurate information.
• For business blogs, use schema markup for addresses and embed maps for better search visibility.

Table: SoFi Bank Locations at a Glance

Conclusion: Find Your SoFi Bank Location Now

SoFi Bank locations offer the best of both worlds: a handful of full-service branches for those who want in-person support, a massive ATM network for fee-free cash access, and a suite of digital tools for banking anytime, anywhere. Whether you’re in California, Utah, or searching nationwide, SoFi’s hybrid approach ensures you’re always connected to your money. Ready to get started? Use the SoFi Bank locations map or ATM locator to find your nearest branch or ATM, and explore our related guides on SoFi vs. traditional banks, digital banking tips, and more.

Optimization Checklist for SoFi Bank Locations

• Use high-quality images of each branch with descriptive alt text (“SoFi Bank Salt Lake City exterior”).
• Include at least 10 internal and external links per section for maximum SEO value.
• Target a 12-15 minute read time for comprehensive coverage.
• Track user engagement and traffic with Google Analytics for the “SoFi Bank locations” keyword.

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