Bank bonus record
SoFi Checking and Savings
$50 with $1,000 to $4,999.99 in eligible direct deposits, $400 with $5,000+
Maximum Bonus
$400
Offer Ends
December 31, 2026
Monthly Fee
$0, no account or maintenance fees
Credit Pull
Soft pull
Every requirement
- 1.Receive your first eligible direct deposit on or before December 31, 2026
- 2.SoFi totals eligible direct deposits received within 25 calendar days of the first one
- 3.$1,000+ total earns $50, $5,000+ earns $400
- 4.Eligible direct deposits are recurring payroll, pension or government-benefit ACH; P2P, merchant, bank transfers and tax refunds do not count
- 5.Bonus posts within 7 business days of meeting the requirements; checking must be open and in good standing
Eligibility details
Availability: Nationwide
Repeatability: One bonus per member. New and existing members who have never set up direct deposit with SoFi qualify. Not repeatable after payout.
Check the official offer →Opening Offer History
Public offer observations are appended here. Older payouts, requirements and end dates remain visible after the promotion changes.
Sign-Up Bonus (value)Qualifying Amount ($)
| Observed | Maximum bonus | Qualifying amount | Window | Offer end | Evidence |
|---|---|---|---|---|---|
| 2026-10-12 | $400 | $5,000 | 25 days | 2026-12-31 | SoFi Checking and Savings direct deposit bonus terms →$50 for $1,000 or $400 for $5,000 in eligible direct deposits within 25 days of the first; promotion runs May 15 through December 31, 2026 |
Primary-source verification log
Append-only evidence ledger- changed
$50 at $1,000 or $400 at $5,000 in eligible DD within 25 days; promotion ends 2026-12-31
Fields: bonus, expiration, requirements
SoFi Checking and Savings direct deposit bonus terms →