SoFi pays a tiered direct-deposit bonus on a new Checking and Savings account. Bring $5,000 or more in direct deposits within 25 days of your first one for the full $400, or $1,000 to $4,999 for $50. There are no account fees.
Holding a referral link? It pays you $50; this offer pays up to $400. SoFi's published terms do not say whether the two can be combined, so check before assuming the link adds money on top, and do not give up this offer for the link. The full program terms, including what the referring member earns.
What you get at each tier
| Bring this | You get |
|---|---|
| $1,000 to $4,999 in direct deposits | $50 |
| $5,000 or more in direct deposits | $400 |
Eligibility
Available nationwide
No state restrictions on this offer.
Soft ChexSystems pull
Soft pull, no ChexSystems reported
How to get the SoFi Checking and Savings bonus
- Open a SoFi Checking and Savings account and set up direct deposit.
- Receive $5,000 or more in eligible direct deposits within 25 days of your first deposit for $400, or $1,000 to $4,999 for $50.
- The bonus posts within 7 business days of meeting the requirement.
The fine print that matters
- Eligible direct deposits are from an employer, payroll provider, or government benefits. P2P and bank transfers do not count.
- One bonus per SoFi member. Earn it between May 15 and December 31, 2026.
Verification and reports
Confirmed against sofi.com on Jul 17, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Report your result
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Sources: sofi.com Checking and Savings offer (checked Jul 17, 2026)
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