SoFi
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SoFi is both your bank and your broker, with a mobile-first design for checking, savings, and investing. SoFi Coach is an AI chatbot built into the app that answers questions about your specific accounts, recommends moves based on your situation, and walks you through decisions.
This appeals to people who want everything in one app without juggling separate tools for banking and advice. Since Coach has access to your actual account data, its suggestions are tailored to what you're already doing rather than generic guidance.