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Based off this bloe post it sounds possible that there will be both a soft and hard credit check if you complete the application for SoFi Money: https://www.sofi.com/blog/sofi-partners-with-samsung/
"To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit."
I wouldn't worry about that too much since credit checks are only a very small part of your credit score @userfbFDmb4In0
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