SoFi Checking and Savings: up to $400 bonus

Eligible recurring direct deposits totaling $1,000 to $4,999.99 within 25 days of the first eligible deposit.

Choose your target

Higher tiers ask for more. Your choice updates the steps, money and timeline.

$50Direct deposits: $1,000 in 25 daysCash to keep: No balance requirement$400Direct deposits: $5,000 in 25 daysCash to keep: No balance requirement

Selected target

$50

Up to $400 at higher tiers

Apply by Dec 31, 2026

Read the bank's terms · Offer terms can change. Confirm current eligibility and terms with the bank before applying.

Your fit

Add your state, direct deposit and cash to check this offer's conditions against your situation.

This checks the published conditions only. The bank decides who is approved.

Complete all 1 step for $50

1
Direct deposit
Eligible recurring direct deposits totaling $1,000 to $4,999.99 within 25 days of the first eligible deposit.
- $1,000
- Within 25 days of your first qualifying deposit

Bonus	Deposit to qualify	Cash to keep	Choose your target
$50	Direct deposits: $1,000 in 25 days	No balance requirement	Selected
$400	Direct deposits: $5,000 in 25 days	No balance requirement

When will you open it?

Add a date to put the deadlines on a calendar. Only steps timed from opening get a date.

Apply by Dec 31, 2026
Open the account
Direct deposit
Timed from your first qualifying deposit
Eligible recurring direct deposits totaling $1,000 to $4,999.99 within 25 days of the first eligible deposit.
Bonus paid
Within 7 business days after completing the direct-deposit requirements; checking account must remain open and in good standing.

Cash to keep in the account

No balance to maintain

The bank's terms don't list states. Check availability on the bank's site before applying.

No new-customer rule in the terms we reviewed.

From the bank's terms

Available to SoFi members who have never set up eligible direct deposit with SoFi; one bonus per member.

Checked against sofi.com on Oct 9, 2026. Next check by Oct 23, 2026.

Offer terms can change. Confirm current eligibility and terms with the bank before applying.