I use SoFi and have since 2019 as my primary spending account and I have a decent chunk of my cash savings there too. The main issue is cash deposits. I maintain a Chase checking to solve that linked to the SoFi. Direct deposit at Chase for $500 a month gives you free checking so I direct deposit my rent into it and autopay that.
The only real downside is the Allpoint ATM requirement as they stripped me of my free any ATM usage when they converted to an actual bank.
The only real downside is the Allpoint ATM requirement as they stripped me of my free any ATM usage when they converted to an actual bank.