{"slug":"sofi-sofi-checking-and-savings-400","category":"bank","institutionSlug":"sofi","product":"Checking and Savings","title":"SoFi Checking and Savings: up to $400 bonus","bonus":"up to $400","unit":"cash","amount":400,"reqShort":"$5,000+ in direct deposits within 25 days ($50 at $1,000)","expiresOn":"2026-12-31","status":"live","verifiedOn":"2026-07-17","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Soft pull, no ChexSystems reported","fee":"No account fees","keep":"No minimum balance; keep direct deposit on for the APY","posts":"Within 7 business days of meeting the requirement","applyDomain":"sofi.com","applyUrl":"https://www.sofi.com/banking/checking-offer/","summary":"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.","reqSteps":["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."],"finePrint":["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."],"tiers":[{"threshold":"$1,000 to $4,999 in direct deposits","reward":"$50"},{"threshold":"$5,000 or more in direct deposits","reward":"$400"}],"reqUsd":5000,"listedOn":"2026-07-17","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"sofi.com Checking and Savings offer","url":"https://www.sofi.com/banking/checking-offer/","checkedOn":"2026-07-17"}],"needsVerification":false}