SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.

For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with Sofi Invest please view our fee schedule.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

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Who is eligible for a Direct Deposit Bonus?

New and existing SoFi members who have never set up direct deposit with SoFi are eligible for the Direct Deposit Bonus. Bonuses are limited to one bonus per SoFi member. In the case of a joint account, direct deposit activity will only be counted towards the primary account holder’s eligibility for the bonus (the primary account holder is the member who opened the joint account first).

How do I earn the Direct Deposit Bonus?

1. Set up your first Eligible Direct Deposit. SoFi must receive it on or before 1/31/26.

2. Once SoFi receives and recognizes your first Eligible Direct Deposit, we will add up the Total Eligible Direct Deposits received over the next 25 calendar days. This total will determine the bonus amount.

Total Eligible Direct Deposit	Bonus Amount	Timing
$1.00 - $999.99	$0	To determine your bonus amount, SoFi will add up all your Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit.
$1,000.00 - $4,999.99	$50
$5,000.00 or more	$300

3. You will receive the bonus amount in your SoFi Checking account within 7 business days of completing all requirements listed above. You are only eligible to receive one bonus amount. You must have an open SoFi Checking account in good standing at the time of the bonus payment.

What is an Eligible Direct Deposit?

Eligible: Recurring ACH deposit of regular income to your SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by your employer, payroll or benefits provider or government agency ("Eligible Direct Deposit")

Not Eligible: Deposits that are not from an employer, payroll or benefits provider or government agency and deposits that are non-recurring in nature are not eligible. Examples of deposits that are not eligible include check deposits, peer-to-peer transfers (e.g., transfers from Zelle®, PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), bank ACH funds transfers, wire transfers from external accounts, and IRS tax refunds. SoFi Bank shall, in its sole discretion, assess your Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your initial Eligible Direct Deposit. After SoFi validates the details of your Eligible Direct Deposit, your Direct Deposit Bonus will be based on the date we received your initial Eligible Direct Deposit.

What else is important to know?

• This promotion is available between 12/7/2023 at 12:01AM ET and 1/31/2026 at 11:59PM ET. SoFi reserves the right to modify or end the promotion at any time without notice. The terms of this promotion take precedence over the terms of any prior Direct Deposit promotion.
• SoFi reserves the right to exclude any members from participating in this promotion for any reason, such as suspected fraud, misuse, or suspicious activity.
• SoFi members with Eligible Direct Deposit activity can earn 3.60% annual percentage yield (APY) on savings balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet.
• Bonuses are considered miscellaneous income, and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.
• This promotion is offered by SoFi Bank, N.A, Member FDIC ("SoFi").

³$1,000 Value of SoFi Plus membership: The value of a SoFi Plus membership varies depending on benefits used, and there is no guarantee you will reach or receive any specific value. $1,000+ estimated value is based on (i) the average activity of existing SoFi Plus members for the following benefits over a 12-month period and (ii) publicly available Urban Institute’s American Affordability Tracker data regarding average annual grocery spending used to estimate potential Smart Card cash back rewards: an estimated $600 in annual cash back rewards at grocery stores with SoFi Smart Card (estimated earnings based on 5% cash back rewards on grocery store purchases and the average monthly grocery spend for a family of four, as reported in the Urban Institute’s American Affordability Tracker, released October 2025. Actual rewards earned will vary based on household size, grocery spending, and card usage), an average of $17,000 deposited in a SoFi savings account with a 3.6% APY at the start of the 12-month period, $21,500 average annual spend on the SoFi Unlimited 2% Credit Card (with a 10% boost on cash-back rewards), and one additional 30-minute session (beyond the basic member benefit) with a certified financial planner, with an assumed value of $300. Other Plus benefits are available beyond those stated above. SoFi Credit Card cash back rewards are earned in the form of rewards points, and rewards points redeem at a rate of 1 cent per point. SoFi Plus members must be approved for a SoFi Credit Card or SoFi Smart Card in order to receive the corresponding benefits. Savings and spend assumptions are based on average activity from existing SoFi Plus members between the period of 10/1/2024 – 9/30/2025. Terms apply.

⁴10% Boost on Cash Back Rewards Points for SoFi Credit Card Purchases: Members who meet the eligibility criteria shall earn a 10% boost on cash back rewards rates for all eligible purchases made with a SoFi Credit Card (the “Promotion”). A 10% boost means that a 10% multiplier shall be applied to existing cash back rewards rates (e.g., a purchase previously earning 100 rewards points would now earn 110 with the promotion). For purposes of calculating the 10% boost on cash back rewards points, each transaction shall be rounded to the nearest dollar, and fractional points shall be rounded to the nearest whole point. The 10% boost shall not apply to (i) transactions that are not eligible for cash back rewards points, including: fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, or other quasi-cash transactions; or (ii) courtesy rewards points that are manually awarded. SoFi shall, in its sole discretion, determine whether a transaction is eligible to earn the 10% boost under this Promotion. To be eligible for this Promotion, you must be successfully enrolled in SoFi Plus during the Promotion Period. In order to enroll in SoFi Plus and to continue to receive the 10% boost, you must either (i) receive a Direct Deposit during each 30-Day Evaluation Period (as defined below) or (ii) pay the SoFi Plus Subscription Fee every 30 days, as detailed in the SoFi Plus Terms and Conditions. Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network. Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g. IRS tax refunds), do not constitute Direct Deposit activity. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit to your account, you will begin earning the 10% boost on cash back rewards. You will continue to earn the 10% boost for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity without interruption. SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity before terminating your 10% boost benefit. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not receive a Direct Deposit during the current 30-day Evaluation Period and, if applicable, the grace period, then you will no longer earn the 10% boost until you have Direct Deposit activity in a subsequent 30-Day Evaluation Period. In certain cases, it may take up to 90 days for your Direct Deposit to be recognized, after which you will begin earning the 10% boost on cash back rewards. If you do not see your 10% boost on cash back rewards benefit after 90 days, please contact our help center. Promotion Period: The Promotion will begin on 4/1/24 at 1:00 PM ET. SoFi reserves the right to terminate or make changes to this Promotion at any time. Eligible Participants: All new and existing SoFi Credit Card members who successfully enroll in SoFi Plus during the Promotion Period are eligible for this Promotion. In order to enroll in SoFi Plus and to continue to receive the 10% boost, you must either (i) receive a Direct Deposit during each 30-Day Evaluation Period or (ii) pay the SoFi Plus Subscription Fee every 30 days, as detailed in the SoFi Plus Terms and Conditions. A member shall not earn the 10% boost under this Promotion if they are currently earning 3% cash back rewards points under the 3% Cash Back Rewards Promotion. If you currently benefit from the 3% Cash Back Rewards Promotion, then you will continue to earn 3% cash back rewards points until you are either no longer eligible or until the expiration of such benefit, as provided in the 3% Cash Back Rewards Promotion terms. Upon the expiration of your 3% cash back rewards points benefit, you will be eligible to earn the 10% boost under this Promotion, provided that you meet the eligibility criteria stated herein. Offer limited to one per SoFi Checking and Savings account. A SoFi Credit Card account will only benefit from the 10% boost under this Promotion if the primary SoFi Credit Card account holder receives a Direct Deposit into their SoFi Checking or Savings account (or, in the case of a joint Checking and Savings account, a joint account holder receives a Direct Deposit). SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.

⁵2x rewards points on qualifying activity: SoFi Plus members can earn double the rewards points as stated in the “Ways to earn” section of the Membership & Rewards Center for qualifying earning activities during periods in which the SoFi Plus member meets the SoFi Plus eligibility criteria. The qualifying earning activities exclude the following: Credit or Debit card spend paid in rewards points, welcome bonuses paid in rewards points (including any referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points. The specific number of rewards points is subject to change at any time and can be found in the “Ways to earn” section of the Membership & Rewards Center. Unlimited financial planning sessions: SoFi Plus members can schedule an unlimited number of appointments with a financial planner during periods in which the SoFi Plus member meets the eligibility criteria set forth in section 10(a) of the SoFi Plus Terms and Conditions. SoFi members who are not members of SoFi Plus can schedule one (1) appointment with a financial planner. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser. Information about SoFi Wealth’s advisory operations, services, and fees is set forth in SoFi Wealth’s current Form ADV Part 2 (Brochure), a copy of which is available upon request and at www.adviserinfo.sec.gov. 1% match on recurring SoFi Invest® deposits: You must be a SoFi Plus member at the time a recurring deposit is received into your SoFi Invest® account in order to receive this 1% match benefit. “Recurring deposits” refer to ACH transfers scheduled with a frequency of weekly, every two weeks, or monthly into either your Active SoFi Invest® account or your SoFi Wealth Automated Investing account. Regular deposits set up from your SoFi Checking & Savings account using Autopilot are eligible for the bonus. One-time transfers are excluded from the bonus. If funds are withdrawn and later redeposited manually into your SoFi Invest® account, the manual deposit will not be eligible for the bonus. Offer can be combined with SoFi Invest 1% IRA match. SoFi Invest encompasses two distinct companies, with various products and services offered to investors as described below: 1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“SoFi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC. 2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC. Clearing and custody of all securities are provided by APEX Clearing Corporation. Individual customer accounts may be subject to the terms applicable to one or more of these platforms. For additional disclosures related to the SoFi Invest platforms described above please visit SoFi.com/legal. Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Please note that the Active Invest platform is self-directed, therefore all monies transferred to your SoFi Active Invest will not be automatically invested. Bonuses will be paid out as rewards points within two weeks of the end of the calendar month. See Rewards Terms of Service. Members must enroll in Rewards in order to redeem their points, but not to be eligible for the bonus. Learn more about our Rewards program here. Bonus will not be paid out on SoFi Invest® or SoFi Wealth accounts that are closed or pending closure. Bonus amounts are calculated on the total net recurring inflows (incoming recurring ACH transfers less outgoing transfers) per calendar month. For example, if you have a recurring Invest deposit of $1,000 on 11/4/2024 and withdraw $500 on 11/15/2024 and make no other deposits or withdrawals to your SoFi Invest® account for the month, you will earn 500 rewards points, equal to 1% of $500 net monthly inflows. If you lose SoFi Plus eligibility at any point throughout the month, you will earn the 1% match only on recurring deposits received while you were a Plus member. All withdrawals in the calendar month (regardless of Plus status) will count against your bonus. For example, if you have a recurring Invest deposit of $1,000 on 11/4/2024 as a SoFi Plus member, lose Plus status on 11/10/2024, and have another recurring Invest deposit of $1,000 on 11/12/2024, you would earn $10 in rewards points (1% of the $1,000 that was deposited while you were a Plus member). Eligibility Period: Funds must remain in your SoFi Invest® account for two years to be eligible for the bonus. If the deposit is removed prior to the end of the two-year Eligibility Period, SoFi, at its discretion may remove the corresponding proportion of the 1% Match from the customer’s account. For instance, if $1,000 was deposited receiving a $10 rewards points match and $500 was withdrawn in a subsequent month, SoFi may remove $5 in rewards points from the bonus. SoFi reserves the right to liquidate securities to pay for the removal of the Match bonus. Further, SoFi may bill this to a receiving firm in the event of an account transfer.

² Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

Eligible Direct Deposit means a recurring deposit of regular income to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network every 31 calendar days.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you're earning the APY for account holders with Eligible Direct Deposit, we encourage you to check your APY Details page the day after your Eligible Direct Deposit posts to your SoFi account. If your APY is not showing as the APY for account holders with Eligible Direct Deposit, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the APY for account holders with Eligible Direct Deposit from the date you contact SoFi for the next 31 calendar days. You will also be eligible for the APY for account holders with Eligible Direct Deposit on future Eligible Direct Deposits, as long as SoFi Bank can validate them.

Deposits that are not from an employer, payroll, or benefits provider or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, or are non-recurring in nature (e.g., IRS tax refunds), do not constitute Eligible Direct Deposit activity. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. SoFi Bank shall, in its sole discretion, assess each account holder's Eligible Direct Deposit activity to determine the applicability of rates and may request additional documentation for verification of eligibility.

See additional details at https://www.sofi.com/legal/banking-rate-sheet.

⁶Up to 2-Day Early Paycheck: Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

⁷Overdraft Coverage: Overdraft Coverage is limited to $50 on debit card purchases only and is an account benefit available to customers with direct deposits of $1,000 or more during the current 30-day Evaluation Period as determined by SoFi Bank, N.A. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Members with a prior history of non-repayment of negative balances are ineligible for Overdraft Coverage. Deposits in checking and savings accounts are insured up to $250,000 per depositor for each account ownership category under the FDIC’s general deposit insurance rules. For more information visit FDIC.gov.

SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks. Screen images simulated. ©2025 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender.