How do I get the highest APY? October 31, 2023 19:17 Updated There are no requirements to earn 4.25% APY or 2-Day Early Paycheck on your SMBS account. Related articles How do I see my current interest rate? I have a Samsung Money by SoFi account. Am I eligible for SoFi Plus? Earn $50 once you set up a qualifying direct deposit. I got a new non-Samsung phone. Can I close my SoFi Money by Samsung account? Why can't I have my own account and a second account joint with my partner?