Incompetence & lies... where do I begin? Called a few weeks ago to inquire about a money (cash management) account AND a brokerage account. First rep I spoke with on the phone told me only "soft pull" and LexisNexis report. Second rep was clueless. Opened a brokerage account last week. Opened money account this morning. Called this morning and spoke to third rep who confirmed they pull both chexsystems & EWS report! "Dear Sofi... you just applied for your bank charter license! You're not GOOD ENOUGH to pull those reports!" And if a customer asks you point blank if you pull chexsystems and EWS, your reps better have that "basic knowledge" that most bankers and advisors learn in their FIRST WEEK OF TRAINING! TD Ameritrade, Etrade, Fidelity, Firstrade, Tradestation, Tastyworks, Robinhood, and Webull do NOT use either Chex or EWS reports or their brokerage accounts! Hell... even the personal banks I keep my money in that are established who have been in business for 10 to 15 years or more don't use either of those reports! I guess Sofi thinks "they're special"? At any rate, I immediately closed BOTH accounts down after learning of Chex & EWS pull. And by the way... their investment reps like to play games on the phone and will answer a call and mute it and not say anything so that you'll have to hang up and call back! Average wait time is almost an hour! This doesn't even include the multiple times I was hung up on! Invest at your own risk with shady morons!