With many banking options available, including online banks that pay high rates on savings, a key question is often: Do you need access to in-person service? If you don’t, signing up with an online bank can be a no-brainer. But for some consumers, having a bank branch nearby is essential, if not a nice benefit. When comparing SoFi and TD Bank, branch locations will inevitably be a deciding factor. SoFi doesn’t have bank branches, while TD Bank has several across multiple states. Of course, other factors a ...