Investing on margin allows you to increase your buying power (and therefore, leverage) by borrowing money from your broker (SoFi). The securities that are purchased serve as collateral for the loan, and interest is assessed on the outstanding loan balance.
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Our number one goal is helping our members get their money right
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About US
Bridgestoneunion mission is to help prople reach financial independence to realize their ambitions.
And financial independence doesn’t just mean being rich—it means getting to a point where your money works for the life you want to live.
Everything we do is geared toward helping our members get their money right. We’re constantly innovating and building ways to give our members what they need to make that happen.
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Focused on intelligent solutions, we integrate innovation and practicality to address complex financial needs with precision, clarity, and measurable impact.
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Experience fast, reliable, and secure international transactions, ensuring peace of mind globally.
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Our expert team provides around-the-clock support, ensuring assistance anytime, anywhere you need.
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Benefit from the lowest processing fees compared to banks, maximizing your financial savings.
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Bridgestoneunion is a different kind of finance company whose goal is to help people get their money right. Our products are built around our members so that they have the tools they need to take control of their financial futures.
Regular FAQ’S
Frequently Asked Questions
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What is margin investing
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How does margin work
An account must have a balance of at least $2,000 and be approved for margin trading in order to participate. Then, in contrast to a cash account, buying power is calculated by considering the amount of cash in your account plus the funds you can borrow from your broker. There are a variety of factors that go into this calculation, including overall account balance, current equity, and the specific securities held in your account.
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Can i withdraw cash from my account if i have a debit balance?
Yes, but only to the extent that you have available margin to use for withdrawable cash. Such transactions should be handled with care as not to put your account in a position where a margin call is more likely to be triggered.
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What is a personal loan
A personal loan is money you borrow for any kind of personal use such as paying off credit card debt, investing in home improvements, taking a special vacation, or paying for an engagement ring or wedding expenses. Taking a personal loan can be a smart way to consolidate high-interest rate balances under one monthly rate. To repay the loan, you make monthly payments of principal plus interest. A personal loan gives you the flexibility to make big purchases, then pay it off at a pace that makes sense for you.
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Is margin available in an IRA acoount?
No. IRA accounts are not eligible for margin trading.
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When will interest be deducted from my account?
Your interest due is accured on a daily basis and deducted from from your account once per month This happens automatically and does not require you to take any action
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How is interest calculated
Interest charges are calculated daily by multiplying the outstanding margin debit by the annual rate and dividing the result by 360. these daily figure, navigate to the "buying Power" section of your margin account
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What is stocks
A stock is a share of a company held by an individual or group. one way corporations raise money is by selling stocks, giving stocks owners (also konwn as shareholders partial ownership of the corporation. Stocks a typically bought and sold on what is called an exchange, like the New York Stock Exchange.
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Hear from users who enjoy secure, simple mobile banking — reflecting convenience, reliability, and confidence in every transaction.
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Contractor“Investing has completely changed how I view money. Watching my savings grow steadily gives me confidence and motivates me to keep building long-term wealth.”
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Manager“Bridgestoneunion Mobile made banking effortless! I transfer, pay bills, and track expenses instantly. The interface is sleek, secure, and always reliable — truly next-level banking.”
ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
Bridgestoneunion Invest encompasses two distinct companies, with various products and services offered to investors as described below:
1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“Bridgestoneunion Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.
2) Active Investing and brokerage services are provided by Bridgestoneunion Securities LLC. Clearing and custody of all securities are provided by APEX Clearing Corporation.
Individual customer accounts may be subject to the terms applicable to one or more of these platforms. For additional disclosures related to the Bridgestoneunion Invest platforms described above please visit bridgestoneunion.com
Neither the Investment Advisor Representatives of Bridgestoneunion Wealth, nor the Registered Representatives of bridgestoneunion Securities are compensated for the sale of any product or service sold through any Bridgestoneunion Invest platform.
©2025 Bridgestoneunion Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.
Deposits in checking and savings accounts are insured up to $250,000 per depositor for each account ownership category under the FDIC’s general deposit insurance rules. For more information visit FDIC.gov
Student Loan Refinancing: Terms and conditions apply. BRIDGESTONEUNION RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. Bridgestoneunion only refinances student loans totaling at least $5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance.
Notice: Bridgestoneunion Refinance Student Loans are private loans. When you refinance federal loans with a Bridgestoneunion loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 3/18/25 and subject to change. Bridgestoneunion Refinance Student Loans are originated by Bridgestoneunion Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
Medical Student Loan Refinancing: Terms and conditions apply. Bridgestoneunion RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify you must be a medical resident or fellow with up to seven years left in an approved program and meet all of Bridgestoneunion underwriting and eligibility requirements. Minimum loan amount is $5,000.
The minimum monthly payment of $100, while in residency period, may not pay all of the interest due each month, which will likely result in negative amortization during the residency period.
Notice: Bridgestoneunion Refinance Student Loans are private loans. When you refinance federal loans with a Bridgestoneunion loan, YOU FOREFIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 3/18/25 and subject to change. Bridgestoneunion student loans are originated by Bridgestoneunion Bank, N.A. Member FDIC. NMLS #696891.
Mortgage Loans: Terms and conditions apply. Before you apply for a Bridgestoneunion Mortgage, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and loan amount. Minimum loan amount is $75,000. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Information current as of 3/18/25.
Bridgestoneunion Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC). Equal Housing Lender.
Personal Loans: Terms and conditions apply. Bridgestoneunion RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet Bridgestoneunion underwriting requirements. Bridgestoneunion Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. Additional terms and conditions may apply. Lowest rates reserved for the most creditworthy borrowers. The average of SoFi Personal Loans funded in 2023 was around $33K. Information current as of 3/18/25. Bridgestoneunion Personal Loans originated by Bridgestoneunion Bank, N.A. Member FDIC. NMLS #696891.
Travel: Terms, and conditions apply: This Bridgestoneunion member benefit is provided by Expedia, not by Bridgestoneunion or its affiliates. Brid may be compensated by the benefit provider. Offers are subject to change and may have restrictions, please review the benefit provider’s terms: Travel Services Terms & Conditions.
The Bridgestoneunion Travel Portal is operated by Expedia. To learn more about Expedia.aspx
When you use your Bridgestoneunion Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of rewards points equal to 3% of the total amount you spend on the Bridgestoneunion Travel Portal. Members can save up to 10% or more on eligible bookings
Eligibility:
You must be a SoFi registered user.
You must agree to Bridgestoneunion privacy consent agreement.
You must book the travel on Bridgestoneunion Travel Portal reached directly through a link on the Bridgestoneunion website or mobile application. Travel booked directly on Expedia’s website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your Bridgestoneunion Credit Card.
Bridgestoneunion Member Rewards: All terms applicable to the use of Bridgestoneunion Member Rewards apply.
Additional Terms:
Changes to your bookings will affect the rewards points balance for the purchase.
Any canceled bookings or fraud will cause rewards points to be rescinded.
Rewards points can be delayed by up to 7 business days after a transaction posts on members’ Bridgestoneunion Credit Card ledger.
bridgestoneunion reserves the right to withhold rewards points for suspected fraud, misuse, or suspicious activities.
©2025 Bridgestoneunion Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC).
Bridgestoneunion Plus: Bridgestoneunion Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Direct Deposit or pay the Bridgestoneunion Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of bridgestoneunion Plus apply. To learn more about Bridgestoneunion Plus and available benefits and terms, please see the Bridgestoneunion page.
America’s most rewarding financial membership, all in one app: Based on a series of blinded surveys of financial memberships across banking, borrowing, investing, and credit cards. 900 consumers were asked to rank offerings based on the question, “Which financial membership brand is most rewarding?” Results as of January 2025 at sofi.com/plus-survey.
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