Obvious one but if you needed a cashier’s check, you would need to wait. I’d suggest a local credit union for cash deposits and any in person needs. Credit card payments take a day or two to reflect the balance removed from my SoFi bank account. Kind of annoying but I can live with it. Personal checks take 4-5 days for funds to be available.
https://www.reddit.com/r/sofi/comments/1944r8o/pros_and_cons_of_sofi/